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Sometimes understanding the ways in which long term care insurance (LTCI) can help in the future can feel very abstract— especially if you are trying to plan out care decades before you might come to need it.
Thinking about long-term care planning can feel overwhelming at the start. After all, life is busy and the possibility of needing it can feel very far away.
There’s nothing quite like the carefree nature of the summer months- beach trips, BBQs, baseball games- all of the warm weather pleasures we look forward to the rest of the year.
On a hot summer day, when you’d do anything to cool down just a bit, does it really matter if you know what soft serve ice cream flavor you are getting up front—chocolate, vanilla, or twist? Similarly, when planning for long term care, it’s important not to get overwhelmed with the exact details of the policy from the get-go.
Watching television on Friday in the early 1970s, chances are the set was tuned to Love, American Style. The romantic comedy series featured some (then fresh) faces such as Diana Keaton, Albert Brooks, Karen Valentine, Harrison Ford, and Sally Struthers.
It’s almost as if Dickens’ Ghost of Christmas Future is whispering in your ear as you consider New Year’s Resolutions. That is, if you’ve resolved to take care of outstanding pesky legal and financial tasks.
It’s a busy time of year. Squirrels are squirreling away the last acorns in their winter stash. Birds are hurriedly winging it to their winter climes. Bakeries are taking orders for goodies. Grandparents are shopping and double-checking they’ve got every grandchild taken into account.
Here are a few indicators that summer is over:
School buses out on the streets
And pumpkin spice…in, well, just about everything
The yearly “Milliman Long Term Care Insurance Survey” was recently published by Broker World magazine.
It’s one thing to know something, quite a different thing to understand it.
Knowing is more academic, objective. When you know something, you’ll get the right answer on a quiz.
Understanding? Well, I believe that’s more under your skin. In your bones. Relevant to your life.