There are plenty of people out there who say they can predict the future. There are psychics, tarot card readers, and empaths, even people who claim they can commune with the dead. Many of these people are charlatans, having no real gifts other than being able to manipulate people and separate their hard-earned money from them. However, for those who assume they are never going to be in an accident, never going to have a serious health issue that would require long-term care, aren’t they, to some degree, a bit similar?
It’s easy to assume nothing bad will ever happen.
Teenagers are notorious for this, “It won’t happen to me” attitude. So are younger adults. However, people in the 40’s and 50’s start becoming more acutely aware of their mortality and limitations.
Suddenly the “it won’t happen to me” becomes, “Well, I don’t think it will happen to me, but…”
It’s easy to live in a sort of bubble where everything is going fine, where you don’t have to worry about the struggles and challenges your parents or grandparents faced, but at some point your health and physical abilities will start declining.
This may start in your 40’s. For others it may not happen until their late 50’s. For others, they may be completely healthy and active into their 60’s, through their 60’s, in even well into their 70’s or early 80’s. However, at some point in time age will catch up.
Time and age are unrelenting.
They don’t stop. They don’t quit. And eventually everyone succumbs to them. If you don’t think long-term care will ever be a necessity for you, your spouse, or any other dependent in your life, you may be taking too many things for granted.
Home care as an option is increasing, but as the baby boomer generation retires and places more pressure on long-term care facilities and options, it is also going to raise the cost for these.
If, at some point in the future, you do require some type of long-term care, how will that impact your finances? If you haven’t sat down to contemplate this, to think clearly about it, then it’s time you did.
No one gets out of this life alive and not everyone escapes the need for long-term care. Don’t hang your hat on the assumption you will never need any long-term care. A heart attack, stroke, aneurysm, pneumonia, injuries from a fall or even a car accident, and so much more can all lead you to requiring exactly this. Plan ahead and contact our company and when you do, realize the value of long-term care insurance.
If you or a loved-one are considering Long-Term Care Insurance Companies in Encinitas CA, please contact Steve Elliott at Capstone Insurance for an honest discussion about your future and your options. Call today (858) 350-3161.