Nowell Agency, Inc. > Insurance News > Who Will Provide Your Long Term Care When You Need It?

Who Will Provide Your Long Term Care When You Need It?

Who Will Provide Your Long Term Care When You Need It?
As you begin your adult life, you’ll be asked to start thinking about your retirement. You’ll likely open a 401(k), consider some other investments and retirement savings sources, and be confident you’re doing what you can to save for your golden years. But what many of us fail to realize is that we’re not all going to be capable of caring for ourselves in our later years, and that responsibility will have to fall on someone else.

Family and Friends
Family members and friends often become caregivers when their loved ones become ill or simply need help with daily tasks. You may simply need a ride to the grocery store or help up the stairs, but many people progress to the point where they need help bathing, dressing, using the toilet, preparing food, and eating. Many caregivers take on the role because they have experience in the medical field, but many do so for free out of the goodness of their hearts. While this type of arrangement may work for the short-term, it is very rarely suitable for long-term needs – especially for those with chronic illnesses or dementia.

Adult Day Care Services
Family members and friends may be able to shoulder some of your long term care needs if they have help so they can continue working to support the household. A lot of people opt to enroll their elderly family members in adult day care services. This will ensure you are receiving the attention you need in terms of medication and meals while allowing you to continue socializing with others as well.

Professional Care in the Home
Those with more serious needs may end up having a professional visit the home for a limited number of hours per day. The type of in-home care may vary, ranging from a home health aide to physical therapy or nursing. Home health aides can sit in the home with an individual, take care of meals or errands, and provide companionship. Nurses and physical therapists may be needed to check on those who have had surgery, are ill, or who have more demanding medical needs.

Long-term Care Homes
The options most people explore last are long-term care facilities. These range from senior living apartments (with limited supervision) to assisted living homes and skilled-nursing facilities (or nursing homes). While these options are best suited for those who need round-the-clock care, they are also the most expensive.

While there are options for your long-term care, they are things you should consider earlier rather than later. Free and low-cost options may not provide all of the care you or your family members need, and adding long-term care insurance to your portfolio may be a wise investment. Talk to your insurance agent about your options.

GET A QUOTE

The Nowell Agency is committed to providing you with fast and efficient service. If you would like a quote on any of our products please complete the short form below and click submit.

Get A Quote Form

    Testimonials

    FROM OUR CLIENTS

    The Nowell Agency has been my primary agent for many years and they are attentive, well-staffed, and easy to talk to. Their agency has helped me through state to state moves and career change and kept my assets covered.

    James G.

    My very first insurance experience was when I bought my first house and I called the Nowell agency for a quote. I had no idea what I needed or how much and they were so very kind and knowledgeable and explained everything to me in detail which I so much appreciated. That has been 4 years ago and im still a customer never plan to leave.

    Ashleigh D.

    I have been very pleased with the quick and professional service by the Nowell agency. My agent was very efficient at locating a policy that met my needs and budget. Thank you to Kristy and the Nowell agency for providing me with fantastic customer service. I highly recommend this agency. You will not be disappointed.

    Tripp W.

    NOWELL INSURANCE KNOWLEDGEBASE

    how to prevent mold and mildew

    6 Mold Prevention Tips for a Healthy Home

    By

    June 17, 2021

    Mold is a serious problem for homeowners. Mold and mildew are natural consequences of living in an environment like Mississippi. Mold can grow on many surfaces including wood, wallpaper, paints, fabric, insulation, drywall, and carpeting. What are the effects of mold in the home? Mold can lead to health issues, such as a stuffy nose, […]

    5 Ways to Save on Auto Insurance

    By

    June 17, 2021

    Saving money on car insurance is a big priority fo...

    9 Risks of Not Reporting Workers’ Comp Claims

    By

    June 14, 2021

    The workers’ compensation claim process is o...