This simple question is one that’s important to consider.  Long-term care refers to the care we need when we can no longer take care of ourselves independently, and the U.S. Department of Health and Human Services says that at least 70 percent of Americans age 65 and older will need long-term care support services at some point in their lives.

A huge percentage of long-term care support services are provided by family members and friends with no compensation, and at a huge cost to the caregivers.  Caring for a loved one 24 x 7 with no breaks takes a huge toll on the caregiver’s physical, mental, and emotional health, as well as draining their finances.  Current estimates are that almost $40 Billion per year is lost to caregivers in the form of lost wages, lost pension or investment savings, and the inability to accept promotions or even to work at all.


There are many ways to develop a long-term care plan, and the ability to provide for oneself for at least part-time professional help goes a long way toward family stability and the health of all involved.  If you have questions about long-term care planning, please contact our office for a no-obligation consultation to look at your options.