Holidays are usually spent with family. They are the best time to talk, observe and evaluate physical and cognitive health of loved ones as they age. This year is different. Holidays for many of us have not and will not be celebrated with family. Of course, COVID-19 is the reason. Social distancing, quarantining, residing in care communities and more all make the evaluating more challenging. Zoom helps but requires equipment and learning that some may not have. While evaluating may be more difficult, it doesn’t preclude the planning conversation about long-term care.

Long-term care insurance makes the decisions and transitions much easier for families. Even a small policy can offset significant expense. And services like care coordination and care planning offered by insurance companies today are most helpful.

The most important step though is that you and your loved ones have a plan if/when care is required. It’s prudent. It eliminates guessing. We all focus on the cost of care. But the important word in long-term care is “care.” Having a plan demonstrates genuine caring.
Talk about a misnomer, it should be called stay at home insurance! It's where 72% of claims begin!
How does your Myers-Briggs Type impact how you shop for long-term care insurance? Find out...
Have questions about long-term care? See our answers to the most frequently asked questions..
Anyone from 18 to 81 can buy long-term care insurance, but there is an ideal age range.
Did You Know?

A recent poll reported that 73% of women surveyed said 70 is the new 50. With COVID-19, the government has defined elderly as people age 65 and older. That’s hard to swallow for a lot of us who don’t think of ourselves as elderly. Regardless of how you define the elderly moniker, the elderly have always required assistance as they age. And most Americans age 65 and older will require some assistance. The government says about 70% of us will have need for long-term care. We have clients on claim in their sixties and seventies. But most start needing some assistance and file claims between the ages of 80 and 85.
Nicole Gurley, CLTC
Gurley Long-Term Care Insurance