What Is Long-Term Care and How Can I Plan for It?

Why It Is Never Too Early To Start Planning For Your Future

There are many ways to plan for your future, but one of the most important things you can do is to make sure you have a solid understanding of your options for long-term care. This way, you can make the best decision for your future, and be prepared for whatever may come your way. Hiring an attorney who specializes in these matters not only provides you peace of mind but will help you get the result that you need.

If you’re planning for yourself or a loved one, call us today! We can help you through this process.

What You’ll Learn From This Video

  • Who needs long-term care and why

  • What increases your risk of long-term care

  • When to start thinking about long-term care


Margaret Barrett: What is long-term care? And should I be worried about it? You might be feeling good and enjoying life. Who wants to think about long-term care? Well, you might want to. Long-term care services meet your health and personal care needs that you cannot meet. They help you live as independently and safely as possible. The most common type of long-term care is personal services, things like bathing, grooming, toileting, dressing, and eating. It also includes less personal practical services like cleaning, cooking, errands, transportation, and cutting your grass. Long-term care might be provided by unpaid loved ones in your home, or it could be provided by paid caregivers in your home, in assisted living, in a nursing home, or even in an adult day care. Most people who need long-term care are either elderly or they have a serious chronic health condition. The need can come up suddenly such as after a heart attack or stroke. More often though,the need comes on gradually as we age. You might ask whatincreases my risk of long-term care? There are several things. And the first is age. In fact, ofthose who are 65 today, 70 percent will need long-term care services in the future. Women are more at risk of paying for long-term care than men simply because we live longer, and single people are more likely than married people to need to have a paid provider. Another risk for long-term care needs is potentially your lifestyle and your family and health history. Your diet, your exercise habits, and your health history can all increase the risks of long-term care. Maybe you will never need long-term care, but based on the statistics I shared, you probably will. And the best time to think about long-term care is before you need it. We would be happy to help you create a plan to both ensure that you get good care and that your assets are protected. Call us today to get started.

Author Bio

Margaret Barrett is the Founder and Owner of Safe Harbor Estate Law, a Saint Paul, MN, estate planning law firm she founded in 2013. With almost 15 years of combined experience in litigation and Minnesota estate law, she is dedicated to representing clients in a wide range of estate law matters. Her practice areas include estate planning, asset protection, elder law, and more.

Margaret received her Juris Doctor from the William Mitchell College of Law and is a member of the Minnesota State Bar Association and the Ramsey County Bar Association.

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