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The COVID-19 pandemic has changed the way we plan for a lot of things.
If you have a loved one in a nursing home, it’s likely that you are in the unfortunate scenario that you are unable to visit them due to the pandemic.
There are normal risks people encounter everyday from going about life as usual— such as the possibility of getting injured from car accidents or sports. A sudden need for long term care is no different.
Myth: I can "self-insure" for long term care should I need it down the road.
Reality: There is no thing such as "self-insurance", only "self-funded" care.
Often the topic of long term care planning can be boiled down to three primary considerations:
1. What do you want?
2. Is what you want realistic?