The aging population and their families are many stressors and concerns in the United States. Many of these concerns are due to the need for long term care. As individuals continue to live longer they face many chronic illnesses and disability. These health concerns lead to the need for extra care. Then need for long-term care can place a financial and emotional burden on families of the aging population. Long-term care insurance can help ease both the financial and emotional burdens of caring for the aging population.
As the aging population grows, there are more individuals who need health services. The increased life expectancy and the need for health services have increased the need for long-term health insurance. Long-term care insurance can help older individuals and their families afford extended care in a number of ways. “Unlike traditional health insurance, long-term care insurance is designed to cover long-term services and supports, including personal and custodial care in a variety of settings such as your home, a community organization, or other facility”(What is Long-Term Care Insurance?). Long-term care insurance can cover a number of aging related services and needs. “Long-term care insurance policies reimburse policyholders a daily amount (up to a pre-selected limit) for services to assist them with activities of daily living such as bathing, dressing, or eating. You can select a range of care options and benefits that allow you to get the services you need, where you need them” (What is Long-Term Care Insurance?). The cost of long-term care insurance depends on a number of factors including the age of the individual taking out the policy, how long the policy will cover the long- term care costs, the maximum a...
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...ng-term care insurance can ease the burden of caring for an aging family member by allowing for assistance with care, such as home visits. Having professional help in caring for a family member can ease some of the emotional burdens and it can also ease some financially difficulties by allowing the family to continue working while their aging family member is still being cared for.
Medical advancements have caused individuals to live longer. The increase in life expectancy has led to more cases of chronic illness. Chronic illnesses can lead to disabilities. The increase in chronic illness and disability has led to an increase need for long-term care. Long-term care can led to both financial and emotional burdens for members of the aging population and their families. If and individual can get long term-care insurance it can help ease the burdens of long term care.
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