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