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“TheSeniorSolution”

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Learn About The Senior Solution: A Family Guide toKeeping Seniors Home for Life!

Find outhow youcanreceive aFREE inhomeevaluation!

Introduction

We have lived with the myths of long-term care long enough. We believe that it willnever happen to us, our current health insurance plan will pay for long-term care,and that planning ahead is too expensive and difficult. The reality is: chances arewe WILL need long-term care, our current health insurance was NEVER designed topay for it, and NOT planning ahead is more expensive and difficult than taking aproactive approach. Today there are many tools and resources that keep seniors “home for life”. Long-term care insurance, reverse mortgages, VA home aid and attendant pensionbenefits, and personal emergency response systems are just a few of the manyoptions that exist for seniors and their family members. Knowing how to access thisinformation is the first step toward avoiding crisis.Most of us would like to live a long, healthy life. But with a long healthy life comes aseries of decisions and possible complications that need to be addressed before it’stoo late. Long-term care is not a topic that is easily discussed on Sunday afternoon,with the family gathered around the kitchen table. In fact, discussing long-term careand planning ahead for long-term care has been, and continues to be, one of America’s least favorite things to do. The intention of this book is to help families start that conversation and unravel themyths of long-term care. It doesn’t matter whether you are a 30-something, a baby-boomer, or a 70-something…. long-term care is a family matter. It affects all of us. Itaffects our personal lives and our careers. We may be the 30-something faced withcaring for an aging parent or we may be a baby-boomer trying to decide the bestway to plan ahead. For anyone who has been approached about the need for long-term care insurance and for anyone who has had a long-term care “experience” intheir family, this book was designed to turn myth into reality, and provide usefulcommon-sense information from a healthcare professional who has worked in allaspects of the long-term care continuum.It is important to understand that increased longevity, changes in family structure,changes in the workplace, changes in medical care, and the insurance industry ingeneral, all have contributed to the need for pre-planning. Planning ahead for long-term care requires a proactive approach and a positive attitude.People who plan ahead, do so for various reasons including:

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To protect and preserve assets for themselves and their children.

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Wanting to maintain independence and choice.

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Wanting to receive quality care.

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Not wanting to be a burden to their family members.

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Not wanting to end up impoverished and on Medicaid.For others the situation is a bit different. Long-term care is already happening, orHAS happened. There was no time to plan ahead or it just wasn’t done. Therefore,

family members are faced with trying to provide the best care in the bestcircumstances possible.

The Message

The message is clear. Understanding the secrets to long-term care planning,caregiving, and crisis management is essential for all families who want to keeptheir seniors home for life. Planning ahead for long-term care has never been moreimportant.We are on the verge of an exploding aging population. According to the U.SCensus Bureau, 7,918 boomers will turn 60 each day in 2006. (Not to suggest thatanyone should wait until they are age 60 to plan for later years.) Of the 78.2 millionboomers July 1, 2005, a slim majority -- 50.8% -- were women. In 25 years, however,their majority margin will be almost 10%; 57.8 million boomers are expected to bestill alive, and 54.8% will be women. The Medicaid system is a disaster. It is imperative to understand that long-termcare is not a matter of entitlement. Long-term care IS the responsibility of eachindividual. How we plan ahead, how we pay for it, and how and where we are caredfor, is up to each one of us.Families who are now faced with caring for an aging parent or relative, needresources and information that will assist them in making the best decisionspossible regarding care. If your parent or aging loved one is in need of services, oris currently in a long-term care crisis, there is hope. Educating ourselves aboutservices that are currently available is imperative and makes the journey mucheasier for the entire family.Hear the message before it is too late. Do something rather than nothing at all. Notmaking a decision is a decision in itself. Be an informed consumer and make achoice that will not only affect you personally, but will allow your family membersthe opportunity for peace of mind down the road.It is important for all of us to understand and use the tools available to us tomaintain autonomy, dignity and independence in our later years. It’s just a matterof understanding the concepts! This book, “The Senior Solution” helps families andseniors understand how to manage long-term care crisis points in life, and planahead to avoid a long-term care crisis, using all of the options available to us today.

The Cost of Care

The biggest and most obvious elephant standing in the room for seniors and for long-term care needs isusually money. How in the WORLD are we going to pay for long-term care?