Planning Ahead for Long-Term Care After Age 65 - United Benefits

After the age of 65, long-term care planning becomes a cornerstone of maintaining your quality of life and independence. As you age, the likelihood of requiring assistance with daily activities or medical care increases. Planning for long-term care is not just about ensuring that your health needs are met; it’s also about preserving your dignity, maintaining your lifestyle preferences, and mitigating the financial and emotional burden on your family.

Essential Considerations for Long-Term Care

As you plan for long-term care after 65, it’s essential to consider all these factors to ensure a comfortable and dignified aging experience.

Medicare Coverage: Medicare only covers long-term care requiring skilled services or rehabilitative care, not non-skilled assistance with Activities of Daily Living (ADLs), which are a significant part of long-term care needs.

Diverse Care Options: There are various ways and settings to receive care. It’s important to explore these options to find what best suits your needs.

Community-Based Care: Local programs and providers might offer care services in your community, offering a more familiar and comfortable environment.

Advanced Care Directives: These legal documents ensure your health decisions are made according to your wishes if you’re unable to make them yourself.

Home Modifications: Adapting your home to suit your aging needs can help you stay in your familiar environment for longer.

Facility Living: If considering a move to a care facility, research the types, costs, amenities, and locations to find the right fit.

Long-Term Care Options

  • Traditional Long-Term Care Insurance: Offers comprehensive coverage for various care services.
  • Asset-Based Care: Combines care benefits with life insurance or annuities.
  • Limited Care Plans: Focuses on specific types of care or durations.
  • Living Insurance: Merges long-term care benefits with a life insurance policy.

Explore Your Long-Term Care Planning Options

As you navigate the complexities of planning for long-term care post-65, remember you’re not alone. For detailed advice and to explore the long-term care options that align with your unique situation, contact a United Benefits Specialist today.

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