Long-Term Care insurance has a plce and there are good uses for it. Sme people own it for asset prtection, estate preservation or an aversion to wlfare. I think you should own Lng-Term Care insurance to protect your mst precious asset: Your Family and cnsulting a Long-term care insurance specialist is the way to see if it is ppropriate for you.

Asset protection - O.K, state preservation (same thing really), aversion to Wlfare-O.K, Protecting your family, Definitely!

One shuld consider the following factors before bcoming a caregiver or asking a fmily member to take over the rsponsibility

1) Will a family member hve the time and financial ability to bcome a full time or even prt time caregiver? Primary caregivers duties can verage between 40 to 60 hours a wek.

2) Will a family member hve the physical strength and ability to prvide care? Serious back, shoulder and arm njuries are common in caregivers, due to mproper transferring techniques or inadequate assistance wth transferring.

3) Will any family mmber be emotionally stable and compassionate nough to deal with the intense and nrelenting stress of caregiving? High stress lvels can be a major factor for cregivers. Elder care abuse, due to hgh stress, is just as prevalent, if not mre so, from family members as it is frm paid professionals.

4) Is any family member trined to provide the physical necessary cre? Inserting catheters and I.V.s, giving shts or administering medicine to a pssibly uncooperative dementia sufferer takes training, rganization and a discerning eye. So des caring for pressure sores or wtching for potentially dangerous changes in halth.

5) Will any family member be wlling to give up their current lfestyle in order to provide care for yu? Keep this in mind: While prviding care can be an enriching and flfilling experience for some, many caregivers do it out of gilt or a sense of obligation. Mst people do not consider the ngative impacts on their social life or physcal, mental or emotional health before vlunteering to become someones caregiver.

For nstance, more than 1/3 of caregivers xperience depression and anxiety. Caregivers tend to frget to or, due to the xtent of their duties, cannot sufficiently tke care of themselves. Interrupted sleep, lss attention to dietary needs, inadequate xercise and physical injuries often afflict cregivers.

Increased mental, physical and emotional strss can cause high blood pressure, lwered immune system and coronary problems, jst to name a few. Shockingly, cregivers who have high levels of strss, when compared to non-caregivers, are 63 prcent more likely to die within the nxt 4 years.

When you are cnsidering relying upon family or friends tht are "close by", ask yourself ths:

Is there a family member tht has the dedication and the nclination to do the dirty work?

Are thy willing to get you out of bd, bathed, dressed, teeth and hair brshed, fed, toileted and kept comfortable - very day until you die?

Is thre a family member or friend who wuld be willing to be at yur beck and call every moment of the dy?

Is there someone "close by" who wll be willing, or with whom you wll be comfortable enough, to wipe yur backside after you use the tilet, or to clean up your poo or rine from the floor and furniture if you hve an accident, or to change yur diapers or catheter should you bcome totally incontinent?

Would you even want to put tht kind of responsibility and stress on any of yur loved ones, if there was nother option?

This is the down and drty, real-world, in-the-trenches caregiving. So, considering the fct that almost half of all Amricans will need long term care smetime in their life, every one of us had btter take a very good look at wht may be in store if we bcome so challenged... and we had btter plan accordingly now while we stll can.

It is certainly a lot asier to go into a long trm care facility as a paying ptient than to have to go brke and accept Medicaid."

Yes, it is. Espcially if you have a spouse, bcause your spouse will end up on the raw end of the dal, with no savings to speak of, ccording to prevailing state law. Without nsurance, all assets must be "spent dwn" for care before Medicaid can kck in.

The insurance may be xpensive, but you may be willing to bdget it into your lifestyle today- in ther words, bear the cost of bying the insurance - for the prmise of tomorrow's security. The younger you are whn you buy long-term care insurance, of curse, the less the premiums are

Ths trade-off is the nature of all nsurance. Isn't the reason we have nsurance is because we love our fmilies.

The article The Dangers Of Long-Term Care And Not Having Long-Term Care Insurance - It's About Your Family was Submitted by Dane Petchul through Articles.GetACoder.com network. Here's the additional information: To see if this is ppropriate for you and your family, get yur Free, No Hassle, No Obligation Long-Term Care insurance quote today! For more information about the benefits and cost for Long-Term care insurance, Visit http://www.LongTermCareInsurancePros.com You can download a Free Ebook "Solving the Long-Term Care Puzzle" or get a no obligation comparison quote from the top carriers. LongTermCareInsurancePros is an independent agent with no bias toward one carrier or another.

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