Long Term Care (LTC) does not mean nursing homes, assisted living centers, and home health care. It means that someone needs assistance and someone to provide that assistance. LTC means that the need for assistance will extend beyond thirty days. It means that regardless of age you might need someone to care for you. Traffic accidents, industrial mishaps, heart attacks, strokes, cancer, Alzheimer’s, and a host of other catastrophes happen to people every day, leaving thousands of people disabled. These unfortunate people require LTC. If you pick up the newspaper almost any day you will read about a person in their 20s or 30s that just had a heart attack or a stroke. You don’t get over a stroke like you get over a cold. You need rehabilitation and that takes time. A long time.
The average middle class family has an annual income of roughly $50,000 per year. With long-term care, including home care, Memory Care Communities Dallas TX or skilled nursing averaging close to $70,000 a year per person, the question looms larger than ever; how do I protect my quality of life? Even though one in four adults cares for someone who is chronically ill, when asked about the possibility of it happening to them, the answer is often the same.
Centers for Medicaid and Medicare Services (CMS) and States oversee the quality of nursing homes. The State and Federal government agencies certify the facilities to participate in Medicaid and Medicare.
Any adult not living with stairs as part of their daily experience may eventually lose the leg strength and cardio-vascular fitness that stairs can maintain.
By storing them here if lowers the hassles of burning data and keeping track of the disk. Plus if you get a 160 GB external hard drive you don’t have to worry about running out of space.
Enjoy yourself! When you get to do something that is meaningful to you it will make going to work each day something to really look forward to. For me, every day is different–just as unique as the Seniors I work with. And I don’t even mind that I work practically 24/7 for peanuts. I’m happier now than I have ever been. My path may not be your path, and frankly it probably isn’t. But if you are not happy with your life and you want to feel fulfilled in your day to day experience you must take a leap of faith and be willing to take a risk.
The more people that provide for themselves when they are younger, the less the drain will be on our economy when they become old folks. If a 40 year old man buys long term care insurance at about $900/yr, he will be covered for his lifetime and pay less than a 65 year old man buying it, assuming they don’t use it until age 80. If the 40 year old man needs it during that period, he has it, but the 65 year old might not even be eligible to buy it for the same reason that the younger man used it.