Stage 2: Discussion
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Without the epiphany of a personal LTC experience, many people do not realize the full impact that an LTC event has on the family.

If you or a family member suddenly needed assistance with the everyday activities of life, how would you be prepared to meet the expense of that care while maintaining the family lifestyle you’ve worked so hard to establish? Who in the family will provide the daily care, and for how long before their own commitments and responsibilities are negatively affected?

Have you ever talked about these things? If you’re like most families, the answer is “No.”
So where do you start? Frankly, you have to have the courage to have a candid discussion with your spouse, maybe even your entire family, on the need for planning in the event, that you, your spouse, or both are in need of care. This may not be an easy conversation to have, but it’s the most important part of this entire process. Why?

Long-term care planning isn’t as much about you (or the one in care).

It’s about the financial, physical, and emotional consequences on those you love the most in the event care is needed.

Once we reach the age of 65, 70% of Americans will need some type of long-term care in their lifetime.

So, the question you have to ask yourself is –

“What is my plan to protect my most important asset – my family?”

Please remember… this stage is the most important; without it, nothing will happen.