Most of us understand that women still live longer than men do. This longer life, however, is increasing the risk of disability according to a new study.
Even though women live longer, the study shows they will suffer from disabilities much earlier than men. The study concluded that women may live longer, but men have more active years before them.
This means, as we age, more people will require help with activities of daily living (ADL’s) or will need supervision due to memory issues. By the time a women needs care, their husband may not be able to help .. or even be around to help. Health insurance and Medicare pay little for the costs of extended care dealing with activities of daily living or supervision due to cognitive issues. Adult children generally have their own families and jobs. This means it would be a huge burden for them to be full time caregivers.
Many experts recommend Long Term Care Insurance to address these costs. As medical science extended lifespan it also increased the risk of needing extended care which can have emotional as well as financial and physical impact on families.
Read the full article here: http://www.longtermcareplanningnews.com/article?article=161
Discover how affordable Long Term Care Insurance can address the financial costs and burdens of aging. These costs are usually not paid for by health insurance or for those 65 and older, Medicare. Remember Medicaid is the medical welfare program. It requires you to have little or no assets in order to qualify.
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Protect your 401k, IRA and other assets and be sure you never become a burden on your loved ones.