| In my previous article, "Baby Boomers and Long | | | | partner will need long term care.6 5. 60% of |
| Term Care Part I", we discussed why baby | | | | people over age 75 will need long term care and |
| boomers should consider long term care insurance. | | | | need care for approximately 3 years.7 6. There's |
| With the rising cost of medical expenses, long | | | | a 68% probability that people age 65 and over will |
| term care expenses and much longer life | | | | become disabled in at least two activities of daily |
| expectancy, most of us are going to be faced | | | | living or of being cognitively impaired.8 When |
| with some kind of long-term care crisis. This | | | | Should I consider getting long term care |
| article look at a couple of things in a little more | | | | insurance? Most experts agree that, for many of |
| detail. What is long term care and who needs | | | | us, we should start looking into it in our mid 50"s. |
| long-term care insurance. What is long-term care? | | | | LTCi is like most insurances , it takes into account |
| Long-term care is needed when a person can no | | | | your age and current health condition. Also, there |
| longer perform the activities of daily living. The | | | | are big discounts and benefits if both you and |
| activities of daily living are eating, dressing, bathing, | | | | your spouse sign up together. In my next article, |
| toileting, continence and transferring. These | | | | baby boomers and long-term care part three, we |
| "ADL's" usually are caused by chronic illness, a | | | | will look at the cost of long-term care without |
| disability due to aging or an injury. Long care | | | | long-term care insurance. Source: 1. Americans for |
| insurance is also needed in the case of severe | | | | Long-Term Care Security, August 2000. 2. The |
| cognitive impairment. This includes Alzheimer's, | | | | Wall Street Journal, June 2000. 3. Business Week |
| dementia and other brain disorders. Who needs | | | | 4. AARP. Beyond 50: A Report to the Nation on |
| long-term care? Anybody could need long-term | | | | Independent Living and Disability, 2003. |
| care at any point in their lives. Approximately | | | | Terry Stanfield is a SEM consultant with over 15 |
| 40% of people receiving long-term care are | | | | years of sales and marketing experience. His |
| between the ages of 18 and 64. 1. More than half | | | | company, Clickadvantage, manages PPC and SEO |
| of the US population will require long term care at | | | | efforts for his lead generation and ecommerce |
| some point in their lives.5 2. More than half of the | | | | clients. For more information go to today. Terry |
| US population will require long term care at some | | | | has written several aticles about long term care |
| point in their lives.5 3. One out of five Americans | | | | insurance and "Baby Boomers". For more |
| over the age of 50 is at risk of needing long term | | | | informationvisit:Baby Boomers and Long Term |
| care in the next 12 months.5 4. For couples 65 | | | | Care. |
| and over, there is a 75% likelihood that one | | | | |