For those of you who are new to the newsletter, welcome to the AgingParents.com community. For those who received our last issue, we hope you found it useful. Our aim is to encourage and inform. As consultants in the field of aging, we learn something new every day from our clients, and hope to share the lessons with you.
Thanks so much.
Carolyn Rosenblatt & Mikol Davis
Dirty Little Secrets About Long Term Care Insurance
The insurance industry is working hard to get more baby boomers to buy long term care insurance. Generally speaking, it’s a very good idea. The cost of care is shocking, and few seem to plan ahead for it. It can wipe out savings, drive us to bankruptcy, and impoverish a family very quickly. So what’s the problem?
Alice, a seasoned traveler who is now a widow and has mobility issues, wasn’t sure. She loved to go on cruises, which she had been doing for some 50years. However, she had always gone with her husband, who was also an adventurer. Without him, she felt so lost. She had the money. She had the desire. Could she do it physically? Knee problems and leg pain were getting her down. She could no longer walk or stand for long periods. She had serious doubts.
“I feel so guilty about putting my mom in a nursing home. She’s near the end of her life. I just couldn’t manage her by myself anymore. She needs more than I can give her, but I feel so bad about sending her away. What can I do?”
Researchers who study behavior of persons with Alzheimer’s Disease (AD) have theorized that agitation and outbursts may be an expression of internal needs the individual can’t meet. They have a decreased ability to manage stress. When stress builds up, the person with dementia may be unable to cope, and acts out in agitated or violent ways.