Are You Going to Need Long Term Care?
Most health buffs think if one eats healthy food and exercises regularly there is no reason for long term care to figure in his life. So whenever they are asked who should buy long term care insurance, they would always point at the nearest unhealthy person.
Who are these unhealthy people that could possibly require serious care in the future? Based on studies that were conducted to raise more awareness on the inevitableness of long term care, people whose lives are dependent on vices such as smoking and excessive alcohol intake happen to be occupying the topmost slot. These people usually end up with lung diseases and arterial diseases which may lead to a cardiovascular dysfunction or stroke.
Unhealthy sleepers are also candidates for long term care reveals health care experts. According to them a person may sleep for eight or nine hours but if he’s not a deep sleeper, meaning to say he wakes up frequently in the middle of the night or in the wee hours of the morning for some unexplained reason, his chances of developing Alzheimer’s disease or another kind of dementia are high.
Although healthy people are less likely to require long term care (LTC) in the future it does not follow that all of them will be completely spared from LTC potentiality. One’s genes is also an important factor to be considered, so if you are genetically predisposed to a certain kind of health disorder you should start looking at your LTC options.
Who Should Buy Long Term Care Insurance?
Earlier it has been explained that people with an unhealthy lifestyle and those who have a genetic predisposition to a chronic illness are more prone to serious health conditions that will eventually lead them to requiring LTC.
Apart from them there are still others who should also look into this insurance product. Elderly folks are given as anybody who grows old gradually loses the ability to function the way he used to because old age has the power of stealing people’s strength and mental capabilities. Simply put, anyone who is 65 or 75 at present is expected to be armed with an LTCI policy already or else they’re in for a big financial trouble.
So if it’s not the elderly, who are these other people that should consider buying LTCI policies?
People who engage in extreme physical activities or whose jobs require them to be constantly on the streets should definitely consider an LTCI policy because they can never be certain about what may befall them in the future.
For instance, if they break their spinal column or fracture a hip bone this will require months if not years of care. No health insurance will shoulder the expenses that they would possibly incur in a nursing home, only an LTCI policy will willingly cover all their costs.
If you are earning $78,000 annually or perhaps higher than this amount, it’s high time you started looking at the benefits of owning an LTCI policy. No one can say with conviction that he is not among those who should buy long term care insurance for he will never need LTC. As long as aging, vices, and accidents continue to roam the world that we live in everyone is a potential candidate for LTC.
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