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.
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.
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:
The yearly “Milliman 
Fifty years ago, Billie Jean King (then age 29) soundly beat self-proclaimed male chauvinist Bobby Riggs (then age 55) in an event dubbed the Battle of the Sexes.
Odds are that among all your friends, relatives, advisors, and colleagues, very few have ever talked with you about the importance of planning for a future care need. Can’t blame them— it’s definitely not the most exciting of topics. 
It’s frequently said that long term care is a women’s issue, and there’s a lot of evidence to support that point of view. Sixty percent of family caregivers (read: unpaid) are female.
Prospects of higher inflation may strike fear in the hearts of most people. However, long term care insurance policyholders may actually have quite a different reaction. Let me explain: 
Decades ago, when someone needed long term care, it would often be provided at home. The only other option was to move to a nursing home, which most believed was a choice of last resort.