What You Need to Know About Long-Term Care Insurance

by Paula Hogan

Custodial care is not a topic that any of us deals with easily.

First of all, no one likes to think about incapacity. It’s hard enough when the health of your parents begins to fail, but the idea of planning for one’s own incapacity is, for most people, literally unspeakable.

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Secondly, our intuitive sense about the nature of aging and the available modes of care is outdated. Most people equate custodial care with nursing home care and think they have only a small chance of needing nursing home care. But the nature of aging is changing as longevity increases; the amount of time we spend in adulthood has more than doubled in the last century. It is now typical to need some part-time, in-home assistance in early old age, with sporadic periods of full-time care in an assisted-living facility interspersed. Then, farther into old age, there may be a need for full-time care in an assisted-living facility, and toward the end of life some full-time care in a nursing home.

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