We need to believe that we're going to get through these world events that are being thrown at us every day.

We have to believe that we're going to live a long life. When we live a long life, we get old, and when we get old we need help.

The massage today is short, and I hope it encourages each of you to continue planning to protect those you care about most.

The new 2025 Cost of Care updates were released thjis week and you can see current nd projectewd costs where you live here

We're seeing a 13% increase in home care costs across the country. If we want o stay home when we need help getting through our days, we need to plan now to be able to do that.

Schedule a phone or Zoom meeting with me to get started here

Just like when we go to an all-you-can-eat buffet, our eyes are bigger than our stomach.

With LTC protection, bigger than our budget.

We want the best policy that will pay for everything we need for as long as we need care, but our income and savings say we can afford something with less coverage.

Or we apply as a couple and one is declined for health.

Does this mean we don't get any coverage at all?

No! It means we get as much as we can afford for the duration of premiums.

If half of our expenses are paid for with insurance, that's using our own assets and income to pay the other half rather than paying for all of our needs ourselves.

Our family will be thankful for anything we do to help them help us better.

View 2024 and projected costs of care where you live here

Please use a 4% or 5% increase in costs when looking in the future years as that's how costs have increased over the last three decades.

Learn what your state let's you keep to qualify for Medicaid here

Schedule a phone or zoom meeting to start designing your plan here

I get so many calls from families trying to find caregiving support answers for their older parent or relative.

They've reached a point where they are overwhelmed and need help providing for their loved one.

This is not the time to look for insurance.

The choices are limited and have higher costs because at age 75 or 80, we're close to or at the age when the insurance companies think we'll open a claim.

That parent should have considered LTC funding options at 50 or 55.

But 50 and 55 year olds too often believe we'll be in the same health mentally and physically at 75 or 80, and that's usually not the case.

We need to plan for this WAY before that need shows up.

Parents who waited too long must encourage their kids to plan now so this doesn't turn into a never ending cycle of kids spending all of their time and money providing for parents and then not being able to provide for themselves later, depending on their kids' time and money, etc.

I promised links to learn more about Medicaid.

This link shows what each state let's us keep to be financially eligible for Medicaid benefits: What your state let's you keep

This link shares how each state qualifies an individual for Medicad benefits: Elder Law Answers

Schedule with me here to start working on your plan to protect your family, assets and choices and avoid being told where to live by the state.