Though coverage remains important, it is still better not to have to make a claim.
Long term care is a vital coverage for many people to have in case they should ever be injured or become ill, requiring medical services and assistance that would otherwise be financially burdensome or crippling, but it doesn’t mean that you’ll want to make a claim just because you’re covered.
As much as it is a good protection to have, it is still best to take care not to have to use it.
For one thing, just because you have long term care insurance, it doesn’t mean that everything in your life is paid for and you won’t have to spend another penny of your savings. For another, nobody wants to be injured or sick nor have to suffer the life limitations that are associated with that experience.
The two best things you can do for your life and finances are buy long term care insurance and lower your risk of needing it.
Indeed there is no way to eliminate any risk of contracting an illness or getting hurt. The leading cause of requiring the services that are covered by long term care insurance are Alzheimer’s disease and dementia. In second place is living alone, followed by the decline of the body and its frailty which occurs naturally with age. Severe depression and strokes are also top causes of the need for care.
Though it’s impossible to do anything that will remove the chance that you will be affected by these conditions, prevention can greatly reduce your risk and can decrease their severity should they occur.
Remaining active and eating a healthy well balanced diet are your primary weapons against these conditions.
Exercising every day and eating a diet that is high in nutrition but that contains a healthy amount of fat and calories keeps the brain active and the body functioning at its best. This helps to keep Alzheimer’s and dementia at bay, and is wonderful for the cardiovascular system, as well as the function of many other organs. Exercising includes both the mind and the body. Learning new things is just as important as going for a walk and doing yoga.
This type of simple change can make all the difference as to whether or not you’ll actually need to use your long term care insurance benefits.