Facing the possibility of needing long-term care can feel daunting, but proactive planning is key to protecting both your health and your financial well-being. While many avoid thinking about it, the reality is that the need for assistance with daily living increases significantly with age. In fact, a staggering 56% of Americans turning 65 will experience a condition requiring long-term care, according to an HHS research brief.

Whether you’re concerned about chronic illness, accidents, or simply the natural aging process, understanding long-term care is crucial. It’s not just about minor inconveniences; it’s about maintaining autonomy and dignity in the face of challenges.

What Does Long-Term Care Actually Entail?

Long-term care encompasses a broad range of services designed to address the medical, social, and personal needs of individuals who can no longer perform essential daily tasks independently. These tasks – bathing, dressing, eating, toileting, transferring (moving from bed to chair), and maintaining continence – are fundamental to our independence. If these abilities decline, long-term care provides the necessary support.

Planning ahead allows you to make informed decisions about your care and safeguard your financial future. Don’t let uncertainty hold you back – take control of your long-term care needs today!