Dealing with long term care
As we deal with normal life issues disabled people normally don’t think about long term care. Most of us probably don’t have a long term disability insurance policy. Each of us is going to have to deal with long term care because we are probably going to need more and more care as we get older. Just because we can transfer to a wheelchair without assistance does not mean that we will be able to do that in 20 years – or 30 years from now. How will you pay for nursing staff to come in and get you dressed and into your wheelchair? Once you are in that wheelchair how will you perform life functions like getting food from the refrigerator or to wash the clothes? All of these issues are vitally important and usually tossed to the background as we try to live our lives, go to work, school or try to be parents to our children. The folks at "Todays Caregiver" have written up an excellent article that goes into detail on what you should do to prepare for the future. If we don’t prepare for our future then Social Security or the state will make those decisions for you, and we guarantee that those decisions would not be the ones you would make for yourself.
It is easy to push off what we plan to do for the future as we age, but the years fly by quickly and each of us better have a plan. Now is the time to figure out how much insurance you need and how much your caregiver needs. Think about what would happen if your caregiver were to be laid up or injured – who would take care of you? Many insurance policies only allow nursing care for a few hours a day, anything past that is on you. So if your nurse came in the morning to get your morn king program started how do you get into bed? Who puts dinner together? Who takes care of your caregiver during this time frame? These can be scary thoughts but now is the time to get them worked out while you don’t have to deal with them now. Don’t wait until a disaster strikes and you have no way of taking care of those around you and there is no money to help you and your caregiver. The amount of money spent on a good insurance policy is nothing compared to the heartache involved when there is no one to keep the family running or to do basic functions during the day or night.
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