We need to recognize the contributions and sacrifices that family caregivers make to help those they love who can't provide for their own daily needs.

The reason most people own LTC insurance is to help those caregivers to not feel alone and isolated.

If you don't own LTC insurance and you want to protect your family, assets and choices, schedule time with me to plan here

Below are many resources to help caregivers help their loved ones better.

Administration for Community Living https://acl.gov/

Alzheimers Association https://www.alz.org/

American Association of Homes and Services for the Aging https://leadingage.org/

Aging Life Care Association https://www.aginglifecare.org/

National Council on Aging https://www.ncoa.org/

Senior Homes https://www.seniorhomes.com/

Assisted Living Foundation of America http://www.alfahousing.org/

National Center for Assisted living https://www.ahcancal.org/Assisted-Living/Pages/default.aspx

Memory Care Facility Locator https://www.memorycarefacilities.net/

Today's Caregiver magazine https://caregiver.com/

National nursing home database https://www.medicare.gov/care-compare/?redirect=true&providerType=NursingHome

There are others, but this is a good start.

This week, I'm kind of on a soapbox.

It seems that some people will keep asking about LTC insurance until someone tells them they don't need it. No one knows if we'll need help living at some point or not.

We need to ask ourselves who the insurance is going to help. We're going to get care whether we plan or not.

We need to ask oursleves who wil suffer the consequences of our failure to plan. It's the people helping us.

We say we don't want to "burden our family", but by not discussing where we want to live, who we want helping us and how we will pay for care, by default, we are burdening them.

Please review current and projected costs of care where you live here and please use at least a 4% annual increase in costs as we've seen that and more across the country over the last three decades.

Then, schedule a phone or zoom meeting with me to design your family's plan here

This week, we decided to answer some questions that we don't get as often as some others, but they're still very relevant.

When plannng for long term care needs, we need to gather enough information to be able to decide what kind of plans will fit our needs best.

We're here to help and to address those questions that you may not have thought to ask.

Listen and then schedule a phone or zoom meeting with me to design your plan to protect your family through an extended care need.

Schedule here