The death of football Great Dwight Clark brings back many memories for football fans. While many people know about his NFL success, including “the Catch” in a 1981 playoff game against the Dallas Cowboys, fewer people were aware of his battle with ALS. ALS, Amyotrophic Lateral Sclerosis, is a progressive neurodegenerative disease which impacts the nerve cells of the brain and spinal cord. It causes disability, long-term care and death.
Matt McCann, a nationally known expert on Long-Term Care Insurance and long-term care planning, said that claims for ALS are some of the most devastating because of the amount of care it usually requires.
“It is 24/7 care, much of skilled. While any long-term care event is hard on family, ALS is generally catastrophic because of the amount of care it requires and the cost. I remember visiting a celebrity years ago who was suffering from ALS and I could see first hand the impact it had on the family. While most long-term care is not as horrific, it does underline the need for an advance plan for the financial costs and burdens of aging,” McCann said.
McCann, like many people, remember “the Catch”.
“I wasn’t a 49ers fan nor a Cowboys fan but it was a great game. It had a legendary ending that people talk about to this day,” McCann said.
The 1981 NFC Championship Game featured the Dallas Cowboys and San Francisco 49ers and was played at Candlestick Park on January 10, 1982. With 58 seconds left in the game, Dwight Clark, a 49er’s wide receiver, made a leaping grab in the back of the end zone to complete a 6-yard touchdown pass from quarterback Joe Montana. The 49ers defeated the Cowboys, 28–27.
“People remember big events that like. Often, they watch them with family. Parents watch with their children these big games. Once-in-a-while you have a legendary event occur before your eyes. This was one those times. ALS and long-term care has had a huge impact on Dwight Clark’s family. We are reminded that long-term care and aging is really all about family. How we plan for it can have a positive or negative impact on those we love,” McCann said.
McCann says long-term care planning is all about family. Caregiving is very hard on family members. With no advance plan it is often the family, a daughter or daughter-in-law, that must become a caregiver. Because these family members have their own families and careers, paid care must step in. Paid care is expensive and drains assets.
“Long-Term Care Insurance is easy, affordable and rate stable income and asset protection. Many policies include professional case management which helps family develop a plan of care. When I process claims the adult children of the policyholder often say how grateful they were that their Mom or Dad had a policy in place. Not just for the money. What families tell me is the policy allowed them to be family,” McCann explained.
As a Long-Term Care specialist, McCann helps people nationwide using his unique process where they speak with him on the phone while seeing his computer screen on their computer. He works with all the major companies in Long-Term Care. He also helps insurance agents and financial advisors help their clients plan for the financial costs and burdens of aging.
Consumers can learn more and get free quotes from all the major companies: https://mccannltc.net/free-quotes. You can find the cost of care in your state, as well as availability of partnership plans and tax incentives here: https://mccannltc.net/resources/states.