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.
Imagine trying to design a home if you didn’t know the local building codes, zoning laws, what materials were available and what they cost, and how to get utilities to the property.
The prevailing wisdom is that long term care insurance claims don’t happen until well after traditional retirement age. Say, age 80+, or even 90+ if you’re lucky. And that’s true— usually. But let’s consider the exceptions. Imagine you’re 45, 55, or 65, and you just bought a long term care insurance policy.
There’s a reason why most purchasers of long term care insurance are individuals who’ve gone through a caregiving experience.
The birds are chirping and spring is in the air. Time for a deep clean, and let the sun shine in!
Whether we’re discussing retirement planning, long term care providers, or life in general, management matters—and so does risk. Let’s consider a caregiving organization. 
The COVID-19 pandemic has changed the way we plan for a lot of things. 
When you imagine needing long term care, what do you imagine? Is the location a larger building, perhaps an assisted living facility, where responsibilities such as yard care and cooking are someone else’s concern? Or are you in your own home, tended to by paid caregivers, with visits from family and friends?