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Many of my clients are over the age of 50. Therefore, they have already seen age and frailty in their own parents. One of my client’s mother is in a nursing facility because she suffers from Alzheimer’s Disease. He understands the need for long-term care insurance and has a policy for himself and one for his wife. Many of my other clients understand this. They also recognize that the chances are great for them to enter into a nursing home or need long-term care. However, I also have clients who have never known anyone who was touched by this. They aren’t as open to the possibility of needing any type of care, and are simply unwilling to discuss it.

What I’ve found is that while I can’t push clients into talking about it, I can gently persuade them into thinking about it on their own. Usually, they will decide that they do need to talk to me about it. Those people who choose to face their fears and the unpleasant- ness that generally accompany thoughts of long-term care are better off. Those who continue to ignore these needs are usually the ones who find themselves flailing their arms instead of flying.

Long-term care consists of different types of care. It doesn’t nec- essarily translate to nursing home care, although this is the most common form. Individuals needing long-term care may wish to enter a skilled nursing home, or they may want to receive care in their own homes. Skilled nursing facilities generally have a large staff and the equipment necessary to provide most, if not all, services needed at any time by their patients. They also provide rehabilitative services on a daily basis for those who need them. Intermediate-care facilities provide custodial care on a primary basis, but they also have skilled nursing and rehabilitative services. Custodial care facilities are resi- dential places that are designed to provide primary custodial care. However, they aren’t equipped to provide any skilled nursing ser- vices. Adult day care, an increasingly popular choice, is offered only on a nonresidential basis. Home health care may provide skilled nursing care, as well as rehabilitative services, from the comfort of the patient’s own home.

Once you’ve made up your mind that long-term care is some- thing you need to consider, the question becomes, “What should I do about it?” Quite simply, take a look at your options. This also involves coming up with some sort of action plan. Typically, the first

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