If you ever run out of something to Google, take a minute to research national calendar days, weeks and months. It is a hoot to see that every month has some serious (financial planning), satisfying (chocolate chip cookies) and downright silly designations (feral hogs).
Yes, indeed, October is Feral Hog Month – or Hog Out Month. It is also Go Hog Wild – Eat Country Ham Month. While I kind of like the idea of pigging out on a big ham hock, I also appreciate the designations that aim to remind us of things we need to do to take care of ourselves.
Besides Breast Cancer Awareness Month, October invites us to think about important wellness practices: long term care planning, audiology awareness, dental hygiene, protect your hearing and home eye safety.
For this blog I would like to talk about the importance of long term care (LTC) planning. I recently chatted with Christine Jackson at Bankers Life and Casualty Company about various types of long term care insurance. One very significant development in the insurance industry is the ability to purchase home care insurance.
The information she gave me discusses how most of us want to continue to live at home as long as possible. Home is where we are comfortable, private and close to family and friends. It notes that home care insurance helps people maintain their independence and live at home even if they need services such as in-home care with chores or transportation and even nursing.
Some of what home care insurance covers:
- Home care aides
- Physical, occupational and speech therapists
- Nutritional specialists
- Medical social workers
Charges related to your home care:
- Transportation to and from medical appointments
- Domestic cleaning and laundry services
- Home delivery of meals from an official program
- Food shopping, running errands, meal preparation and clean-up
- Rental of a wheelchair, hospital bed and other durable, portable therapeutic equipment up to the purchase price.
- Adult Day Care:
- Transportation to and from the facility
- Meals provided by the facility
- Social, recreational and educational events designed to improve your functioning and level of self-awareness.
From our conversation I learned, too, that there are many ways to customize home care insurance. The best way to do that, says Christine, is to sit down with a Certified Long-Term Care Planner, not an insurance broker. The Certified Long-Term Planner can explain the pros and cons of features and benefits such as hospice care and home modification allowance. They can also explain the true cost of LTC.
So, even if I find it more fun to jump on the Feral-Hog-Month-Bandwagon or celebrate Toilet Tank Repair Month, after 14+ years in the senior care industry I know how important it is for families to plan ahead. And since Christine notes that about 70 percent of people will need some type of care after age 65, let’s admit it. Long-Term Care options may be well-worth considering.