Page 22 - Leisure Living Magazine August 2017

Myths Of Long Term Care
Continued from page 21
to modify your home to fit your changing needs as you get older, even expenses that might not be associated with LTC.
Myth #4 – My family will take care of me
This is assuming your family members or children live nearby when care is needed. Will they be able to perform the consistent level of care you may need? Balancing work and family in today’s society can be challenging enough without the added burden. Will they be able to handle caregiving on top of their daily responsibilities? It is a proven fact that caregiver’s miss an average of 7 hours of work per week, almost 18% of a 40 hour work week. (aarp.org/ familycaregivingcostssurvey) This negatively impacts their income, saving, retirement savings,
pension and social security benefits. Being a caregiver can be time consuming and draining, as well as both physically and emotionally exhausting. The AARP study revealed that 54% of caregivers experience negative feelings as a result of caregiving, including guilt and resentment. Long term care policies are not so much for the insured, but for the ones they love. LTC policies protect the ones you love the most, giving you choices where and who you want to care for you and allows your family to make the most of your time together.
Christine Johnston is a licensed Insurance Agent with the Nemecek Agency in Port Clinton, Ohio. She has worked in the financial services industry for 25 years and focuses on retirement preparation for mature clients. She holds the Certification in Long-Term Care (CLTC) designation. C.johnston@nationwide.com
Securities and Investment Advisory Services offered through Nationwide Securities, LLC., member FINRA, SIPC and a Registered Investment Advisor. DBA Nationwide Advisory Services, LLC. in AR, CA, FL, IL, NY, TX and WY. Representative of Nationwide Life Insurance Company, affiliated companies and other companies
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