The Sewing Mom

Have you ever thought about having to have long term care? Whenever my husband goes on these extended business trips, especially overseas, I think about things like life insurance, health benefits, and even long term care. I don’t know if he has ever thought about it, but then again, women are typically considered the primary caregiver in a household so it seems more natural that I would be the one thinking about it.

I’m sure you’ve heard that women tend to outlive their husbands, typically by six years or more. My grandmother outlived her husband by 50+ years! I only wish she had been able to plan ahead for long term care. In her last few years, she needed assistance with things that we all tend to take for granted such as taking a bath, getting dressed, and finally, even eating. Because my grandmother didn’t have a lot of money and no long term care insurance, my mom took about 10 years of her life and became her own mom’s primary caregiver. It makes me think, who will take care of me if something happens or if I simply outlive my husband?

Finding long term care insurance can be intimidating but I guess just like looking for auto or homeowners insurance, you need to get information to make an informed decision. National Health Administrators is one place that provides information about long term care insurance and assisted living and is based in Dallas, TX. They can help a person find an insurance plan that fits both a persons needs and a persons budget. I know that I want to be independent as long as possible, but it’s always good to plan ahead and know that there is a contingency plan if something should happen to me.