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Kendal at Home Blog

Planning for Long Term Care: 3 Tips to Get Your Affairs in Order

Posted by Kendal at Home on March 20, 2018 at 6:00 AM

Consider these two stories: Ben has been married to his wife Shirley for 47 years, and by all accounts both are healthy. Then, one day Ben has a stroke that leaves him unable to walk or talk. Now, Shirley — who understandably feels overwhelmed — is tasked with running and maintaining their home. She’s worried about Ben’s health, but now she finds herself struggling with paying the couple’s bills because she has no idea what accounts need to be paid or when they are due.

In the same neighborhood, 80-year-old Louise lives alone. Like Ben and Shirley, she’s healthy and independent. One day, Louise falls and breaks her hip, which requires her to stay in the hospital for a week and then two months in a nursing home. The difference with Louise’s story, however, is that her son who lives across the country is easily able to pay her bills and deal with Medicare questions. Why? Louise and her son had a long term care plan in place that helped put her affairs in order.

Even though you’re healthy, consider planning for your long-term care now. Here’s what you need to know to get your affairs in order.

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Topics: long-term care insurance

Creating an Advance Directive: 3 Things to Consider

Posted by Kendal at Home on August 22, 2017 at 8:30 AM

advance directiveYou’re healthy, active and independent. As a result, you might not give much thought to your end-of-life wishes. After all, you’re healthy, what’s there to worry about?

But consider this: Planning ahead can help you get the medical care you want and relieve the burden of decision-making from family or friends.

An advance directive can help you do just that. Here, we’ll look at what you need to know about this document.

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Topics: long-term care insurance

3 Long-Term Care Insurance Myths, Busted

Posted by Kendal at Home on July 5, 2017 at 8:30 AM

long-term-care-insuranceYou’re a healthy older adult. Then, one day you’re struck with a chronic illness that requires you to receive long-term care in a nursing home. Because you’re not living at your home, your assets — like your home or your car — aren’t of use to you. To help you pay for the costs of long-term nursing home care, you and your family sell these assets.

As you’ve aged, you probably have considered purchasing a long-term care insurance policy. Maybe your job offered a policy as part of your pension or perhaps your family or friends have encouraged you to get one. It seems like a smart financial investment. After all, long-term care insurance is designed to help you cover the costs of a nursing home stay or skilled nursing care if you need it.

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Topics: long-term care insurance

Is Long-Term Care Insurance Worth the Investment?

Posted by Kendal at Home on May 26, 2016 at 8:30 AM

long-term care insuranceIf you’re someone who bought long-term care insurance in the hopes that it was a prudent, financially responsible decision, but have since discovered that prices have gone up while benefits have decreased, you’re not alone. In 2014, 4.8 million people were covered by these types of plans, but it’s not all working out as intended.

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Topics: long-term care insurance

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