The average life expectancy for men in the United States is 73.5 years, according to the National Center for Health Statistics. This is six years less than the average life
expectancy for women at 79.3 years.

Among married couples, men are on average 2.5 years older than their wives. Many men will leave their wives in financial hardship because of insufficient retirement savings and a lack of long-term care planning.

Most women will find themselves caring for their husbands due to some debilitating illness. It does not have to be that way.

Long term care planning is something that most people don’t think about especially if they’re young and healthy. I encourage you to get a long term care plan as a rider with your life insurance coverage or at least living benefits.

Here are the reasons why:

1. The average cost for a nursing home is $8000-$10,000. I paid $255 per day for my uncle until Medicaid took over.

2. Medicare pays $0.00 after 100 days.

3. Your children love you, but they rather not give up their lives to feed, dress, bathe, and clothe you every day. I have a plan for myself and my 84 year old mother.

4. A plan gives you the option to stay in the comfort of your home and gives your family peace of mind that you are not in a state operated nursing home.

I have a friend who is in her late 40s, married and has one daughter. She works in retail, and her husband is a realtor. One day her husband came home from work as usual, and they went to bed. The next morning when they woke up, her husband couldn’t move his legs. After months of testing, her husband was diagnosed with Parkinson’s.

In less than 24 hours, a vibrant, healthy man in his early 50s lost the use of his legs and can’t walk any longer. Their daughter had to quit college and return home to help care for her father while mom goes to work.

Did I talk with my friend about long term care planning? I did 3 years earlier, but she felt that they did not need it because they lived a very healthy lifestyle and had no medical issues. Imagine my shock and despair as I learned her husband’s condition.

Don’t just think about today and fail to plan for your tomorrows. Just one medical crisis could wipe out your life’s savings and change your family’s life forever.

What is your strategy to handle the high costs of long term care?

How do you plan to protect your family and assets from loss if you woke up with a sudden change in your health?

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