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For some time the term “sandwich generation” has been a phrase used to define adult children, usually daughters, who must care for their own family and an elder parent or in-law usually while also holding a job. A new “Daughters in the Workplace” survey from Home Instead Senior Care, the largest senior care organization in the world, show the tremendous stress and burden placed on these women.

The findings from the survey of 1,001 working women aged 45 to 60 who are not self-employed and are caregivers for at least one parent and/or in-law in the United States and Canada show how difficult it is to be a caregiver and have your own life as well. Caregiving is placed on these women when no advance planning, like Long-Term Care Insurance, is in place. Here are some of the highlights of the survey:

    91 percent of the women surveyed have had to take some action to accommodate being both a caregiver and an employee

    50 percent sometimes feel like they have to choose between being a good employee and being a good daughter

    25 percent say that at their employer, there is a stigma attached to taking time off to care for a parent or parent-in-law

    23 percent say their supervisor is unsympathetic when it comes to their balancing work and caregiver responsibilities

    13 percent have been passed over for a promotion or raise, or have been penalized at work due to caregiving

    9 percent say their jobs are currently at risk due to their caregiving responsibilities

Caregiving daughters in the workplace report spending an average of 13.8 hours a week caregiving and have been caregivers for six years, on average. The average caregiver daughter uses 29 percent of her paid time off to meet her caregiving responsibilities.

Read full article on this survey here:

With this large amount of pressure placed on the family, the question has to be what, if anything, have you done to reduce the financial costs and burdens of aging on your family? Long-Term Care is hard. Caregiving is hard. An affordable plan to address long-term care is easy. Long-Term Care Insurance is an affordable way to safeguard your future retirement savings while providing a plan and resources to reduce the burden placed on your family. This would allow your family in the future to be family and not have to juggle the needs of taking care of you and their own family and career.

Some articles suggest LTC Insurance is expensive. The truth is these plans are very affordable, especially at the ages most people are adding them to their retirement plan. First, you need to find a specialist in long-term care planning.  Very few exist nationwide. The American Association for Long-Term Care Insurance says to make the agent is really a specialist in long-term care and represent multiple companies. Ask them if they have processed claims and have at least 300 clients with Long-Term Care Insurance. You may find the best person is not your local insurance agent or financial advisor. Second, act while you are younger and have better health. Generally, if you are age 45 to 65 and are in good health you will have many affordable options to choose from.

If you live in a state that participates in the federal/state long-term care partnership program you will be able to have additional asset protection. Ask the specialist about how a partnership policy can be a huge benefit to your future retirement planning. Single premium policies with death benefits are also available but make sure the policies have normal triggers for benefits. Some of them require that you have no chance of recovering. Many long-term care events might not last a lifetime.

With the advances in medical science, we all are living to older ages. This means long-term care will impact you, your family, your savings and your lifestyle. An affordable Long-Term Care Insurance policy will safeguard your 401(k) IRA 403(b0 and other assets and reduce the burden on your loved ones, especially your daughter or daughter-in-law. Act before you retire for the most affordable options.

Posted: June 22nd 2017

Some people with knee problems have a form of arthritis called osteoarthritis. In this disease, the cartilage gradually wears away and changes occur in the adjacent bone. Osteoarthritis may be caused by joint injury or being overweight. It is associated with aging and most typically begins in people age 50 or older. As we age many of us may require knee replacements. About 700,000 knee-replacement surgeries are performed each year in the U.S., making it the most common joint-replacement procedure in America. By 2030, demand for knee replacements is expected to grow to 3.5 million—and patients under 60 will likely account for more than half of that growth. In some of those cases extended care will be required. Some people avoid knee replacements and suffer from pain and in some cases they have a greater risk for falls which then require long-term care.

Rush University Medical Center offers these five tips to prevent the knee pain to start with:

read here

The American Academy of Orthopaedic Surgeons says most patients who undergo total knee replacement (TKR) are age 60 to 80. More than 90 percent of these individuals experience a dramatic reduction in knee pain and a significant improvement in the ability to perform common activities. However, questions have been raised about the decline in physical function over the long term despite the absence of implant-related problems.

A study shows many people have good results with their knee replacements even after 20 years. Common concerns are those who avoid the surgery to start with or will not complete the required physical therapy that is ordered following the surgery.

Doesn’t matter if it happens to be knees, hips or other parts of the body, with aging comes physical issues. This means an advance plan for the physical, emotional and financial burdens that come from aging and long-term care should be addressed as part of your retirement planning well before you retire. Affordable Long-Term Care Insurance will provide the resources for quality care in the settings you and your family desire while protecting your future retirement savings.

Long-Term Care will impact you, your family, your savings and your lifestyle. LTC Insurance will safeguard your assets and give you choice of quality care as it eases the burden that care creates on your family. Act before you retire for the most affordable options.

Posted: June 16th 2017

The National Stroke Association says strokes are one of the leading causes of long-term adult disability, affecting approximately 795,000 people each year in the United States. Many of these people who suffer from a stroke, will need long-term nursing home care while others may be able to stay in their own homes with care or in an assisted living. Still, others may have a full recovery although they are at risk for a second more severe stroke.

Strokes can be treated and with good health habits and regular check-ups you can reduce your chance of having a stroke. Mayo Clinic says to watch for these signs and symptoms for you and those you love:


  • Trouble with speaking and understanding. You may experience confusion. You may slur your words or have difficulty understanding speech.
  • Paralysis or numbness of the face, arm or leg. You may develop sudden numbness, weakness or paralysis in your face, arm or leg, especially on one side of your body. Try to raise both your arms over your head at the same time. If one arm begins to fall, you may be having a stroke. Similarly, one side of your mouth may droop when you try to smile.
  • Trouble with seeing in one or both eyes. You may suddenly have blurred or blackened vision in one or both eyes, or you may see double.
  • Headache. A sudden, severe headache, which may be accompanied by vomiting, dizziness or altered consciousness, may indicate you're having a stroke.
  • Trouble with walking. You may stumble or experience sudden dizziness, loss of balance or loss of coordination.


A stroke occurs when the blood supply to your brain is interrupted or reduced. This deprives your brain of oxygen and nutrients, which can cause your brain cells to die.

A stroke may be caused by a blocked artery (ischemic stroke) or the leaking or bursting of a blood vessel (hemorrhagic stroke). Some people may experience only a temporary disruption of blood flow to their brain (transient ischemic attack, or TIA).

Learn about the types of strokes and the risk factors from the Mayo Clinic:

Click Here

Northwestern Medicine says recovery from a stroke may take weeks, months or even years. Some patients may have lifelong disabilities, while others may recover completely. For all patients, your stroke recovery process involves making changes in the physical, social and emotional aspects of your life. These lifestyle changes can help to prevent additional strokes and facilitate lifelong recovery.

Recovery Facts

Statistics show that following stroke:


    10 percent of patients recover almost completely

    25 percent of patients recover with only minor impairments

    40 percent of patients experience moderate-to-severe impairments that require special care

    10 percent of patients require long-term care

    15 percent of patients die shortly after


Stroke victims often experience an immediate deterioration in their ability to think and reason. This memory loss often will require the person to need supervision in a memory care facility, assisted living facility or nursing home even if there are few if any physical problems caused by the stroke.


Strokes are just another issue which comes with aging. While strokes and TIA’s do occur at all ages the risk increases with age. This is another reason an advance plan to address the financial costs and burdens of aging is essential to a successful future retirement. The cost of long-term care is not paid for by health insurance or Medicare (other than 100 days of skilled care services). This means you should safeguard your 401(k) and other assets from the consequences of long-term care.

Long-Term Care will impact you, your family, your savings and your lifestyle. Affordable LTC insurance will provide the tax-free money and services so you can have a choice of the quality care you desire in the setting you and your family will prefer. You can’t wait until a health event like a stroke or other accident or aging issue occurs. That places you and your family into crisis management which limits your options and costs you a lot of money. Act before you retire for the most affordable options.

Posted: June 15th 2017

Two of the most common causes of lower back pain in older adults include osteoarthritis and spinal stenosis. Degeneration of joints in the lumbar spine is a common cause of back pain in older adults. Over time, this pain and degeneration can lead to mobility issues and long-term care. Bones and disks in our spines do degenerate over time, causing stiffness and soreness. What’s more, an analysis published in 2015 in the journal Menopause Review found that women, specifically, experience an increase in low back pain with perimenopause and menopause.

According to the Cleveland Clinic the three most common reasons for developing back pain after age 50 are:

  • Degenerative changes in discs and joints — Loss of moisture and resilience can make discs less effective as shock absorbers.
  • Spinal stenosis — The canal through which your spinal cord passes can narrow because of disc degeneration, thickened ligaments or arthritic facet joints (usually in the lower back).
  • Spondylolisthesis — One spinal vertebra can slip forward onto the vertebra below.

There are six things you can do to ease back pain and any of these conditions can cause inflammation or pressure on nerves or pain. When this happens, Cleveland Clinic back pain specialists recommend:

Read here:

Age-related back pain can strike as young as 30 years old! This means paying attention to your health should start young. As you age these issues will increase even if you do everything right. This means having an advance plan for the financial costs and burdens of aging is a major key to your future retirement planning. This should include affordable Long-Term Care Insurance. Long-Term Care will impact you, your family, your savings and your lifestyle. Since health insurance as well as Medicare and Medicare Supplements (once you reach age 65) will only pay for a small amount of skilled care and nothing toward custodial care, which most people will require, advance planning with LTC insurance will safeguard your 401(k), IRA and 403(b) (as well as other assets) from the high costs and burdens that come with extended care.

The US Department of Health and Human Services says if you reach the age of 65 you have a 70% chance of needing some type of long-term care service before you pass. As medical science progresses your chance of longevity becomes even greater. With these odds do you really think you can ignore this risk? These plans are very affordable and easy to obtain IF you start before you retire and take advantage of your younger age and health. Add peace-of-mind to your retirement plan.

Posted: June 3rd 2017