LTCI: Creating Wonderful Memories for Mothers
Give the gift that matters the most this Mother’s Day. Long term care insurance will help you and your mother have more opportunities to create wonderful and lasting memories. Here are some reasons why you should consider getting coverage for your mom during her special day:
Keeping Her Close
A long term care insurance plan will allow mothers — as the major caregiver in most households — the care and support they deserve for all the help they’ve given to their families. Family and loved ones will be delighted to know that care and support will not be limited exclusively to nursing homes and care facilities. An LTCI allows the option to provide policy holders in-home care, with support and service from professional caregivers to help out with daily chores and living.
Regardless if you, your family, or your mother decides on nursing home care or in-home care, a probable and often unnoticed — yet delightfully surprising — effect when purchasing a long term care insurance policy is the emotional and physical rewards it gives to both the holder, loved ones, and even the caregivers’ emotions. An LTCI will allow you to stay close to your mother during hardships, giving you and your mother the peace of mind that loved ones are in reach with each other. For caregivers, insurance for long term care lessens the emotional toil and stress of seeing the person to be administered care to of pain and suffering, for LTC insurance coverage assures all concerned parties of access to the proper resources.
The point is, a long term care insurance policy grants what is truly important for mothers: the opportunity to spend time and physically be with loved ones, without the drawback of being a burden. In effect, giving her coverage saves her from transforming her “should-be” happiest years of her life into long and depressing days (as a side note, depression is a commonly experienced by the elderly, especially if they do not have any coverage to pay for assistance and health maintenance).
Protection and Savings
What may be one of the strongest factors on why most families opt not to get a long term care insurance plan is the reason that they (or the mother) have enough savings to spend during the retirement years. This is a common misconception — which, unfortunately — that may lead families towards the downward spiral of financial trouble. According to studies, women statistically have a longer lifespan than men. Couple that bit of information with medical advancements on longevity and the hesitation of not applying for coverage, and you may find out that you or your mother’s savings may not be enough to pay for unforeseen events that may happen during the twilight years.
Give not only the convenience of being together with your mother during times of hardship but also grant the protection from financial distress with a long term care insurance plan. By allotting a certain amount of funds to pay for a plan will allow you and your mother spend not only time with each other, but have access to savings that may be spent elsewhere. This type of security that LTCI provides will also allow your mother to live a more comfortable life, should, in the worst case scenario, would find herself living alone with no family to look after her.
Real Kind of Love
According to a survey done by ORC International last April 4–10, 2016, people born during the Generation X and Millennial years are more open and comfortable bringing up a conversation on long term care with their mothers. This touching revelation shows that more people definitely care and want their mothers to live a stress-free life. And long term care insurance offers that.
Think of it this way: bringing up the topic as early as today will allow you and your mother to check and plan out your future options. Planning early will give you more time to check and search for the best treatments and care in the market (including requesting for LTC quotes from agents). It can also be a safer and more practical way when applying for a policy — since LTC premiums increase as a holder ages, it is always suggested to purchase early to save up on funds.
Also, like mentioned in the first point above, discussing long term care coverage with your mother will allow you to create lasting memories with her. Wouldn’t you rather have happier things to think about, than ramble on and regret on decisions than can (and should have) be done at an earlier point in your lives? Don’t waste time for your mother — express real love by discussing about how she deserves all the care and support that the world can give her.
Retirement and elderly living shouldn’t be synonymous to bleak and frustrating years. A long term care insurance policy will provide you and your mother access to the main points mentioned in this article — we do hope that these reminders will help you identify of seeking out and purchasing a plan for your loved one today. To further help you out in creating memories and to start the process of applying for insurance for your mother, please visit this link to request for a free LTCI quote.
