Will the Money Last Long Enough?

August 25, 2016

One of the greatest concerns for seniors is out-living their money. Care needs can be one of the most costly experiences as adults. When faced with both care needs and paying for long term care, many families buckle from the pressure and stress. A good plan, set up before a defining event, cannot only lessen stress, but give peace of mind that your future is secure whatever events occur. 


Creating a successful life plan has always included end-of-life costs, but as we age we are beginning to see the need to plan for the costs associated with aging. In an October 9, 2014, article published in USA Today, “life expectancy in the USA rose in 2012 to 78.8 years, a record high.” The website www.longtermcare.gov reported, "someone turning age 65 today has almost a 70% chance of needing some type of long-term care services and support in their remaining years." 


In my practice, we educate families on the questions to ask themselves. Here are just a few questions for you to begin thinking about. 

  • Do you have a long term care policy? If so, where is the policy located and do your children or power of attorney have the information needed to begin utilizing the policy? 

  • Did you serve in the military? If so, have you investigated the options your military service may provide to assist in paying for long term care?

  • Is your financial house in order? Are all of your accounts properly titled so in the event of your passing your family can handle your last expenses with ease? 

  • If your care needs stretched on for years, have you considered Medicaid? 


Finding the right care and paying for it can be a daunting task, but with proper planning it can be made much easier. With longer life spans, planning for medical care needs to be a priority and preferably before a defining event. I encourage you to call and schedule a consultation with me so we can make sure you are prepared when long term care needs begin.


Contact: Sandy Messer

VA Accredited Claims Agent

Long Term Assurance, LLC CEO


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