Old age is usually linked to frailer health, the incapacity to perform even the simplest of activities and even death. Given this mindset, most elderly people succumb to old age as if it is a disease in itself. The tendency is for them to neglect the quality of their health and to rely on their families or other people to make decisions for them. Their submissiveness can lead to them being treated like children. Retirement is supposed to be a time for rewarding yourself for the years of hard work you have put in, not a time of simply “retiring” to old age, letting things be and giving in to depression. Evidently, the kind of health care seniors need is far more intensive and requires proper preparation.
The elderly is said to account for a huge portion of health expenses. An average person aging 75 years old is likely to suffer from three conditions and may be under five forms of medication. These medical conditions are likely to be chronic and can hamper an old person’s capability to perform the activities needed for daily life. It is estimated that about 70% of people will require long term care by the time they reach 65. That said, long term care should also be part of a senior’s retirement strategy.
Since the old is more susceptible to illness and injury and has a gradually declining health, the kind of health care seniors need goes beyond what a health insurance policy can offer. This is when long term care insurance comes in. Most of long term care services are involved in helping the old in performing the activities of daily life (ADL) such as dressing, eating or bathing. It is important to note though that long term care is not just bound inside nursing homes. In fact, you can be cared for inside assisting living facilities, adult day care, hospice and even inside the comfort of your own home. A long term care insurance policy covers both non-skilled and skilled care. This can give you the assurance that you will be taken care of intensively, regardless of the extent of your health and care requirements.
You have a complete say as to how your retirement years would be. Remember that it is your life, and it shouldn’t be bound by the decisions made by those around you just because you are approaching your golden years. They may deemed you to be incapable of deciding for yourself, but you can prove them otherwise. Several studies from the Department of Health and Human Resources have concluded that the old people who chose to take charge and decide for themselves are found to be healthier.
Clearly, the health care seniors need is far greater than those belonging to a younger age group. That’s reason enough to be decisive and strategic about retirement. Remember that your golden years should be the culmination of your life, and not just a sad phase when you should await your demise. Thus, retirement should be spent the most fruitful way possible, regardless of health conditions. If you desire this for yourself, start considering your options for long term care and begin plotting how your life should be as an elderly.
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