This Conversation is Getting Easier, Don’t Wait!
Here’s a story that I share with clients when talking with them about their Long Term Care insurance needs—especially if they are hemming and hawing about whether or not they really need to buy LTC insurance.
Almost fifteen years ago my mother-in-law lost her husband. At the age of 85 she remarried to a delightful man who was also 85 and they became like teenagers having the most loving and wonderful time in their life. Her second husband died at the age of 90 and, unfortunately, my wife’s mother lacked resources to live on her own after he passed. So we invited her to move in with us. She was still very functional, and only lost was her ability to drive due to her vision fading away.
After she moved in ...
After she moved in, we gave her the master bedroom so she could have her “own space”, complete with a remodeled bathroom to accommodate her physical abilities. Slowly AND surely she became weaker, wheel chair dependent, needed help to go to the bathroom & bathing, and went completely blind. This October she will turn 100.
Then one day she decided that she would never leave her bed and became fully bed ridden. So the master bedroom became a functional hospital room. And my wife became a full time care giver; on call 24/7.
Luckily, she is a WWII Vet with medical benefits. So after months of learning what the VA could do to help, we received some care givers to help relieve my wife a few hours a day, which has been a tremendous relief.
Ask your clients what their plans are for long term care? And don’t back down! Remember, you bringing this up in a yearly review meeting helps you meet your responsibilities as their advisor. Caring for somebody is expensive and exhausting. We can help you start the conversation and save some families.
Give me a call, and let’s talk!
800‐200‐9194, ext. 206
~ John Roberts
VP, TWH Agency, Inc.