3 Primary Concerns with Long-term Care

Planning Ahead for Long-Term Care Without Financial SurprisesRetirement planning often focuses on savings, housing expenses, travel, and maintaining a comfortable lifestyle. However, one important financial consideration can be overlooked until a serious health event occurs: the potential need for long-term care.As people age, changes in mobility, memory, chronic health conditions, or everyday functioning may create a need for additional assistance.Some older adults remain at home with occasional caregiving support. Others eventually require daily personal assistance, assisted living, memory care, or residential nursing services.These arrangements can involve substantial expenses, particularly when support continues for months or years.For families throughout Monmouth County, New Jersey, preparing for possible long-term care needs can help reduce uncertainty and support more informed financial decisions.Sky Senior Planning provides individualized eldercare planning services to help older adults and their families evaluate care requirements, understand potential expenses, review available resources, and explore long-term care benefit options.Through financial assessments, Medicaid planning guidance, and coordination with other professionals, Sky Senior Planning helps families organize complex information before making important care decisions.A practical long-term care plan should consider more than where an older adult might live.It should also address affordability, family involvement, changing healthcare needs, and how different care arrangements may affect financial security over time.What Is Long-Term Care Planning?Long-term care planning is the process of preparing for ongoing assistance that may become necessary because of age-related changes, chronic illness, disability, or cognitive impairment.These services may include help with everyday tasks as well as more extensive residential nursing support.Common Long-Term Care NeedsThese may involve:BathingDressingGroomingToiletingEatingMobilityMedication-related assistanceSupervisionHousehold supportCare coordinationPlanning Involves Several DecisionsFamilies may need to determine:What assistance is currently needed?Where would the older adult prefer to receive care?How might those needs change?What services are affordable?Which insurance or benefit programs may help?Who will coordinate daily responsibilities?What happens if the current arrangement is no longer suitable?A complete plan considers all these questions together.Why Planning Early Can Make a DifferenceFamilies sometimes begin researching long-term care after a hospitalization, fall, or significant change in cognitive functioning.An unexpected crisis can leave little time to compare care providers or organize finances.Benefits of Early PreparationPlanning ahead may provide more time to:Compare different care settingsEvaluate financial resourcesReview insurance coverageOrganize important documentsDiscuss personal preferencesAssess home accessibilityExplore benefit programsEstablish family responsibilitiesObtain professional advicePlanning Does Not Mean Predicting the FutureNo one can know exactly which services an individual will require.The goal is to prepare reasonable options and develop a plan that can adapt as circumstances change.How Sky Senior Planning Supports Long-Term Care DecisionsSky Senior Planning offers personalized eldercare planning and benefit assessment services.Its process considers a family's financial situation, healthcare needs, anticipated long-term care expenses, and possible benefit eligibility.Services IncludeBenefit coverage assessmentsPersonalized eldercare planningIncome and asset reviewsMedicaid planning guidanceMedicaid application preparationCoordination with legal and financial professionalsOngoing planning and compliance monitoringA Personalized Financial ReviewThe organization evaluates financial information alongside care needs to help families identify potential planning considerations.Understanding Professional BoundariesSky Senior Planning is not a law firm and does not provide legal representation.Families requiring legal advice about trusts, property transfers, estate planning, or legal rights should consult an appropriately qualified attorney.Comparing Long-Term Care OptionsOne of the most important decisions involves choosing an appropriate care setting.Different environments provide different services and involve different expenses.Common OptionsThese include:In-home careAdult day servicesAssisted livingMemory careSkilled nursing facilitiesLong-term residential nursing careChoosing Based on Individual NeedsThe most appropriate arrangement depends on the person's health, physical abilities, cognitive functioning, preferences, and available support.A healthcare professional can help determine when medical or skilled nursing services are necessary.Long-Term Care Option 1: Remaining at HomeMany older adults prefer to continue living in familiar surroundings.Home-based support may involve family assistance, professional caregivers, accessible equipment, or home modifications.Potential Home Care ServicesThese may include:Meal preparationLight housekeepingPersonal careTransportationMedication remindersCompanionshipRespite assistanceCertain authorized healthcare servicesAdvantages of Home-Based CareOlder adults may appreciate familiar routines, personal belongings, and continued connections with neighbors.Financial ConsiderationsHome care expenses depend on how much assistance is required.Someone needing a few hours of help each week may face a different cost structure from someone requiring daily or overnight supervision.Additional Home ExpensesFamilies must also consider property taxes, utilities, maintenance, repairs, groceries, and possible accessibility modifications.Remaining at home is not automatically the least expensive option.Long-Term Care Option 2: Assisted LivingAssisted living provides residential accommodations with assistance for older adults who need help with certain daily activities.Services May IncludeMealsPersonal careMedication supportHousekeepingLaundryRecreationSocial activitiesCare coordinationWho May Benefit?Assisted living may be appropriate for people who need regular assistance but do not require the continuous clinical services of a skilled nursing facility.Financial ConsiderationsCosts may depend on apartment type, assistance requirements, medication services, and additional amenities.Important QuestionsFamilies should confirm which expenses are included in the monthly charge and which services cost extra.They should also ask how prices may change if care needs increase.Long-Term Care Option 3: Memory CareMemory care is designed for individuals living with Alzheimer's disease, dementia, or other significant cognitive conditions.These programs generally provide additional supervision and specialized support.Services May IncludeDementia-focused activitiesPersonal careStructured routinesAppropriate supervisionMedication supportResidential diningSpecialized staff trainingWhy Memory Care Costs May DifferSpecialized environments and staffing arrangements may affect the total cost.Planning ConsiderationsFamilies should ask about:Current care needsWandering concernsNighttime assistanceMedication managementAdditional care feesFuture changes in cognitive functioningA dementia diagnosis alone does not automatically determine whether residential memory care is necessary.Long-Term Care Option 4: Nursing Home CareLong-term nursing facilities provide residential support for people who require extensive daily assistance, clinical supervision, or other ongoing care.Nursing Care May IncludeNursing assessmentsMedication administrationAssistance with personal careMedical monitoringNutritional supportTherapy when appropriateLong-term residential servicesShort-Term Versus Long-Term CareA short-term rehabilitation stay following hospitalization is different from an extended stay primarily involving custodial care.Insurance ConsiderationsMedicare generally does not pay for ongoing custodial nursing home care when that is the only type of assistance required.Eligible individuals may have other payment options, including qualifying Medicaid benefits.How to Estimate Future Care ExpensesA useful long-term care budget begins with realistic questions about services, frequency, and duration.Rather than relying on a single estimate, families can compare several possible scenarios.Factors That Influence CostThese may include:Type of careNumber of care hoursResidential accommodationLevel of supervisionMedical requirementsCognitive needsTransportationAdditional servicesLength of careRequest Actual Provider EstimatesFamilies should obtain current written pricing from providers rather than relying exclusively on statewide averages.Consider Several ScenariosA budget might compare occasional home care, daily home care, assisted living, and long-term nursing care.These estimates can help families understand how changing needs may influence expenses.Building a Long-Term Care BudgetA care budget should include both ongoing living expenses and anticipated support costs.Start With Monthly IncomeIdentify recurring sources such as:Social SecurityPension paymentsRetirement distributionsEmployment income, when applicableOther reliable incomeReview Financial ResourcesConsider:SavingsInvestment accountsRetirement accountsProperty interestsInsurance policiesOther assetsIdentify Existing ExpensesThese may include:HousingUtilitiesInsuranceGroceriesTransportationMedical costsDebt paymentsHousehold maintenanceAdd Potential Care ExpensesEstimate the cost of assistance under several realistic care scenarios.The objective is to understand possible funding gaps before they become urgent.Why a Care Cost Forecast Should Include Multiple YearsLong-term care expenses may continue longer than families initially anticipate.A budget focused only on the first month of care may overlook the financial impact of an extended arrangement.Consider Changing ExpensesOver time:More care hours may be requiredResidential fees may increaseAdditional services may become necessaryMedical needs may changeFamily caregiving availability may declineBuild in FlexibilityFuture expenses cannot be predicted precisely.Families can use several scenarios rather than one fixed assumption.Review the Plan PeriodicallyA financial plan should be updated when care requirements, retirement income, or household circumstances change.Comparing Short-Term and Extended Care NeedsNot every period of additional assistance becomes a permanent long-term arrangement.An older adult may need temporary help after surgery or illness.Another may require continuing support because of chronic limitations.Short-Term Support May InvolveRecovery assistanceRehabilitationTransportationMeal preparationTemporary personal careExtended Care May InvolveOngoing daily supervisionRegular personal assistanceSpecialized dementia supportLong-term residential careWhy Duration MattersCare that lasts a few weeks creates different financial considerations from care that continues for several years.Families should clarify the expected goal and duration whenever possible.Understanding Medicare's Long-Term Care LimitationsMedicare provides important healthcare coverage for eligible individuals.However, it generally does not cover long-term custodial care when a person only needs assistance with everyday activities.What Medicare May CoverMedicare may pay for qualifying skilled nursing or rehabilitation services under specific requirements.What Medicare Generally Does Not CoverOngoing custodial assistance solely because a person needs help with bathing, dressing, eating, or similar daily activities.Why Families Need a Separate Care Funding PlanAn older adult can have Medicare coverage and still face substantial expenses for long-term personal care.Understanding this difference helps avoid unrealistic assumptions about future costs.Exploring Medicaid Long-Term Care BenefitsFor some older adults, Medicaid may provide assistance with qualifying long-term services.New Jersey's Managed Long Term Services and Supports, or MLTSS, operates through NJ FamilyCare.MLTSS May Support Eligible Individuals InTheir own homesAssisted living settingsOther qualifying community arrangementsNursing facilitiesEligibility Requirements ApplyApplicants generally must meet applicable financial and clinical requirements.Coverage Is Not GuaranteedNot every person qualifies, and not every requested service is automatically authorized.The Role of Sky Senior PlanningSky Senior Planning helps families review possible benefit eligibility and prepare for the Medicaid application process.The responsible government agencies determine eligibility under current rules.Long-Term Care Insurance as a Funding OptionSome individuals have private long-term care insurance policies that may help cover qualifying services.Coverage differs significantly among policies.Important Policy QuestionsThese may include:Which types of care are covered?What triggers benefit eligibility?Is there an elimination period?What is the daily or monthly benefit limit?Is there a maximum benefit amount?Does coverage include home care?Are assisted living services covered?Are there inflation protection provisions?Review Existing PoliciesFamilies should locate policy documents and contact the insurer for current benefit information.Consider New Coverage CarefullyPurchasing long-term care insurance may involve age restrictions, underwriting, premiums, and exclusions.A licensed insurance professional can explain available options.Other Potential Financial ResourcesFamilies may consider several funding sources depending on individual circumstances.Possible ResourcesThese may include:Personal savingsRetirement incomeLong-term care insuranceEligible veterans' benefitsQualifying Medicaid benefitsOther applicable assistance programsHome Equity ConsiderationsSome homeowners evaluate whether selling a property or using home equity could contribute toward care costs.These decisions can have important financial and legal consequences.Seek Appropriate AdviceBefore making significant decisions involving property, retirement funds, or legal agreements, families should consult qualified financial and legal professionals.Protecting the Financial Security of a SpouseMarried couples may face particular concerns when one spouse requires extensive care and the other continues living independently.The family may need to consider both care costs and the community spouse's ongoing expenses.Important QuestionsThese may include:How much income does each spouse receive?Which household expenses will continue?What resources are available for care?Could Medicaid spousal rules apply?What future costs should be anticipated?Avoid Informal Asset TransfersMoving property or giving money away without understanding applicable rules may create eligibility or legal problems.Professional Coordination Is ImportantSky Senior Planning coordinates with legal and financial professionals when specialized questions arise.An elder law attorney should address legal asset protection strategies and property-related decisions.Family Conversations About Long-Term CareFinancial planning can be difficult when family members have different expectations.One relative may assume the older adult will remain at home.Another may believe assisted living will eventually be necessary.The older adult may have entirely different preferences.Topics Worth DiscussingPreferred living arrangementsAcceptable care alternativesAvailable family assistanceFinancial resourcesEmergency contactsHealthcare decision-makersTransportation needsImportant documentsFuture decision-making authorityBegin Before a CrisisEarly conversations allow more time for thoughtful discussion.Respect Personal PreferencesThe older adult should participate whenever possible and should not automatically lose decision-making authority because of age.Dividing Family Caregiving ResponsibilitiesLong-term care planning should identify who will handle different tasks.Possible ResponsibilitiesThese may include:Scheduling appointmentsCoordinating transportationManaging household needsCommunicating with providersOrganizing paperworkMonitoring billsArranging caregiver schedulesResponding to emergenciesAvoid Unclear ExpectationsA relative who lives nearby may not be able to provide unlimited assistance.Create a Written PlanA shared calendar or responsibility chart can help family members understand their roles.Include Professional SupportWhen necessary, professional caregivers or care coordinators may help address gaps in family availability.Organizing Important Financial and Healthcare DocumentsDocumentation becomes especially important when care arrangements or benefit applications change.Records Worth OrganizingThese may include:IdentificationInsurance policiesMedicare informationIncome statementsBank and investment recordsProperty documentsRetirement account informationHealthcare provider contactsCurrent medication listsRelevant legal documentsStore Information SecurelyFinancial and medical information should be accessible to appropriately authorized individuals while remaining protected from unnecessary disclosure.Review Legal AuthorizationPowers of attorney, healthcare directives, and other legal documents should be prepared or reviewed by qualified legal professionals.Sky Senior Planning does not practice law.Creating a Plan for Unexpected Health ChangesEven a carefully developed plan may need to change after a medical event.A serious illness can quickly affect mobility, cognition, and care requirements.Emergency Planning QuestionsWho should be contacted first?Where are important documents stored?Who can communicate with healthcare providers?What temporary care options are available?How will household responsibilities be managed?Who will review new expenses?What happens if the current home is no longer suitable?Keep Contact Information CurrentFamilies should periodically review emergency contacts and decision-making arrangements.Reassess After HospitalizationDischarge planning may reveal care requirements that differ from those anticipated earlier.The long-term plan should be updated accordingly.Avoiding Common Long-Term Care Planning MistakesFamilies may encounter unnecessary difficulties when they assume care expenses can be addressed later.Mistakes to AvoidAssuming Medicare covers all long-term careIgnoring possible future care increasesComparing only monthly residence feesOverlooking home maintenance costsFailing to review insurance policiesNot discussing family responsibilitiesTransferring assets without qualified adviceWaiting until a crisis to organize documentsAssuming Medicaid approval is guaranteedNeglecting to review the plan periodicallyA structured approach can help families identify these issues earlier.How Often Should a Long-Term Care Plan Be Reviewed?An eldercare plan is not necessarily a one-time document.Changing circumstances may require new decisions.Review the Plan WhenA medical condition changesMobility declinesCognitive needs increaseA spouse's circumstances changeFinancial resources changeCaregiver availability changesA new residential setting is consideredInsurance coverage changesMedicaid eligibility becomes relevantOngoing Support From Sky Senior PlanningSky Senior Planning identifies ongoing planning and compliance monitoring among its services.Families can discuss whether periodic reviews would be useful for their circumstances.Questions to Ask a Long-Term Care Planning ProviderBefore beginning a planning engagement, families should understand what the provider will evaluate.Helpful QuestionsHow will our future care costs be estimated?Which care settings should we compare?Will our retirement income and assets be reviewed?What benefit programs may be relevant?How are changing care needs incorporated?What documentation should we prepare?Which planning services are included?When would an attorney or financial advisor be needed?Is ongoing monitoring available?What are the service fees?Clear answers can help establish realistic expectations.Expert Tip: Build Three Care ScenariosLong-Term Care Planning Tip: Create three possible care budgets: one for limited assistance at home, one for daily residential support, and one for more extensive long-term nursing care. Include housing, personal care, insurance, transportation, and additional expenses in each scenario. Reviewing these possibilities can help families see where their current resources may be sufficient and where additional planning may be needed.The goal is not to predict exactly what will happen.It is to make future decisions less dependent on incomplete information.Frequently Asked Questions About Long-Term Care Planning1. When should families begin planning for long-term care?Planning can begin before an older adult requires extensive assistance. Reviewing preferences, finances, insurance, and possible care options early may provide more flexibility if needs change.2. Is staying at home always less expensive than assisted living?No. Home care costs depend on the number of hours and type of assistance required, while homeownership also involves maintenance, utilities, and other expenses. Assisted living costs depend on the residence, services, and care level. Families should compare the full financial picture.3. Does Medicare pay for ongoing long-term personal care?Medicare generally does not cover ongoing custodial care when that is the only service needed. It may cover qualifying skilled nursing or rehabilitation services under specific rules. Other payment options may be necessary for long-term support.4. Can New Jersey Medicaid help with long-term care expenses?NJ FamilyCare's MLTSS program may provide qualifying services in the home, assisted living, community settings, or nursing facilities. Applicants must meet applicable financial and clinical requirements, and specific services depend on authorization and program rules.5. How can Sky Senior Planning assist with long-term care planning?Sky Senior Planning provides benefit assessments, personalized eldercare planning, financial reviews, Medicaid application support, and coordination with appropriate legal and financial professionals. The organization can help families understand their options but cannot guarantee eligibility or financial outcomes.Preparing for Care Needs With Greater Financial ClarityLong-term care planning is an important part of protecting an older adult's quality of life and understanding the financial responsibilities that may accompany aging.Care needs can change gradually or unexpectedly.Someone who requires occasional help today may later need daily personal care, assisted living, memory support, or residential nursing services.Each arrangement involves different practical and financial considerations.For seniors and families throughout Monmouth County, New Jersey, Sky Senior Planning offers guidance designed to help organize these decisions.Through individualized benefit assessments, long-term care planning, financial reviews, and Medicaid-related support, the organization helps families evaluate possible care pathways and prepare for changing circumstances.Thoughtful planning should consider where care will be provided, how it may be funded, which responsibilities family members can realistically manage, and what steps may be necessary if needs increase.No plan can eliminate every uncertainty or guarantee a particular financial result.However, families who understand their options, maintain organized information, and seek qualified guidance when needed may be better prepared to make informed decisions.Learn More About Sky Senior PlanningLooking for help planning future long-term care expenses in Monmouth County, New Jersey?Visit Sky Senior Planning on SeniorsBlueBook.com to explore its Long Term Care Planning listing and learn more about personalized eldercare planning, financial assessments, and benefit guidance.Contact Sky Senior Planning to discuss long-term care goals, anticipated expenses, available financial resources, Medicaid planning considerations, and the services offered through its eldercare planning team.Preparing for changing care needs today can help families make more informed decisions about their financial resources and future support arrangements.

Are you wondering what to do after your loved one gets discharged after a hospital stay? When your loved one is in the hospital, be it for a planned procedure or an unplanned emergency, it's easy to become overwhelmed with information. Not only are you trying to keep track of how they're feeling and how their recovery is going, but you're also in communication with their physician, surgeon, therapists, and nursing team. There's so much information rapidly coming at you in all directions, and just when you think you're getting a handle on it, a social worker comes in to talk to you about discharge planning.While everyone is eager to get your loved one home so they can recover in a place where they feel most comfortable, there's a lot to do before they can safely leave the hospital. Taking discharge planning one step at a time can help reduce stress. Here's what to consider as you begin preparing your loved one to leave the hospital.Meet with the hospital discharge plannerYour loved one's discharge from a hospital visit begins days before the planned date of the discharge. A discharge planner, typically a social worker or other trained professional, will meet with the designated family member to discuss the discharge plans. During the initial meeting, the planner will talk about potential discharge dates and learn more from you about: - What support systems, if any, your loved one has in place.- What you and your loved one are worried about regarding them leaving the hospital.- Resources and services in the community that you can contact to set up support.When you meet with the planner, take notes. You're likely to forget the small details if you don't write them down along with all the information you get during the meeting.Make sure you have the planner's contact information, including their email address, so you can send any follow-up questions or concerns after your meeting.Understand that you will probably meet with the planner daily until the day of the discharge.Review the care plan and medical instructionPart of the discharge planning process is understanding what your loved one is going to need when they leave the hospital. Your discharge planner will walk you through the recommendations from your loved one's medical team, including their surgeon, specialist, physician, and therapist. Depending on the reason for your loved one's stay in the hospital, you might find information about: - Upcoming follow-up visits and therapy visit recommendations.- Prescription schedule.- Wound care instructions.- Restorative exercises.- Dietary needs.- Signs of an emergency, or when to get in touch with a doctor ASAP.You'll receive a copy of these instructions, and they may be updated before the discharge. Take notes and ask questions if you need clarification.Choose the right care after a hospital stayChoosing how to get care after hospitalization can be a stressful part of the discharge process. In addition to simply leaving the hospital, the goal is to make sure your loved one continues their recovery in a setting that matches their medical needs, mobility, and level of support.For some seniors, returning home with the right services in place is a safe and appropriate option, but not all seniors who are discharged are cleared to go straight home. Instead, many are encouraged to continue their recovery in a skilled nursing facility in order to get a strong enough return home safely. Others are told that eventually going back home is not a safe option at all, and family members need to begin exploring other long-term senior living options, like assisted living.This decision often comes together quickly. Some may have only a few days to understand care recommendations, evaluate options, and choose a path forward, while trying to make the safest and most sustainable choice.Get help from a professional senior care advisorIn this scenario, it can be valuable to bring in a professional senior care advisor who can do most of the work for you, giving you a list of vetted senior living communities that meet your loved one's needs, preferences, and budget. These advisors provide their services at no cost to family members, and will meet with you either at the hospital or over the phone to learn more about the discharge recommendations, your loved one's challenges, and your plans for the short and long term. Then, they use their knowledge and relationships with senior living communities in your area to identify a few that meet all the necessary criteria.Senior care advisors can even accompany you on a tour of potential communities, or spend time with you afterward to discuss what you observed and address any questions you might still have. Most care advisors will check in regularly to ensure that you are making your most confident decision, even after your loved one has been discharged to the senior living community.Organize supportNow that you know when your loved one will be discharged, and the recommendations for their after-hospital care, it's time to start getting the pieces in place for a successful discharge. If possible, begin working on these steps immediately. You'll also want to delegate tasks to other family members, including those who live far away but can be helpful over the phone or through email.Depending on your loved one's needs, you might need to complete these tasks:- Setting up follow-up appointments and transportation.- Ordering medical supplies, including any durable medical equipment.- Getting prescriptions from the pharmacy.- Setting up services with Meals on Wheels or another meal delivery service, if your loved one is returning home.- Stocking the fridge and cabinets with easy-to-make meals and snack options.- Scheduling home care or home health care visitors as prescribed.- Contacting the senior living community (if your loved one isn't returning home) to determine what you need to bring when your loved one moves, including any medical history or medication records, clothing, comfort items, etc.Remember: If you're working with a senior care advisor, they can be a valuable resource in helping you get organized for the move to the senior living community. They can provide you with options for moving companies, home organizers, and more.Watch for warning signs of complicationsOnce your loved one has left the hospital, your focus shifts to avoiding readmission. You want your loved one to recover successfully and not develop any secondary infections, have a fall, or experience other complications that can bring them back to a hospital setting.Keep your eyes peeled for these potential red flags, and follow up with their physician immediately: - Confusion or acute disorientation. - Swelling in the lower extremities.- Redness or irritation at any suture sites.- Poor balance or near-falls.- Not taking medications as scheduled.- Experiencing unpleasant side effects from medications.- Poor appetite.- Skipping physical therapy, occupational therapy, or physician appointments.- A new cough or fever.- Unmanaged pain.Slow and Steady: Recovering after a hospital visitIt's important to remember that recovery from a hospital visit can take longer for older adults. The deconditioning that occurs when individuals are sedentary in the hospital, in addition to the side effects of medication or anesthetic, can slow down their recovery. Stay patient and supportive, taking note of the small victories. Observe and celebrate their progress. Slow and steady wins the race, especially when it comes to post-hospital recovery. If you are navigating a hospital discharge and feeling unsure about the next steps, Oasis Senior Advisors Carrollton-Frisco can help you make sense of your options. They work closely with families to understand care needs, budget, and timing, then guide you through comparing the communities, scheduling tours, and making a confident decision. Their support is totally free, and their local knowledge can make a fast-moving situation much more manageable. Additionally, original Medicare and most Advantage plans now offer a benefit for a healthcare advocate.  These advocates can also help with scheduling appointments, next steps, understanding explanations of benefits, and many other things. Contact your local advisor, Holly DeLisi, at (682) 375-9604 for assistance with navigating discharge or for healthcare advocate recommendations.

By not planning for our futures today many of us are unknowingly leaving decisions about our futures to other, including long term care needs. Six in ten of us have not determined how well pay for our long care needs.40% of us dont know that long-term care is more than nursing home care. Taking control of long term care earlier in life enables us to live as well as possible how and where we want. This could include daily assistance with chronic conditions that last a long time. These services come from many sources.Only 23% of us know well likely pay for future care needs with personal savings. Medicare and private health insurance do not cover long-term services. Women live longer than men thus are the biggest users of long-term care. Women are typically so busy with their own lives and caring for others that they only address their own needs after everyone elses. Take some time and a few easy steps can provide peace of mind now and in the future. Know your family medical history. This will help prevent against chronic conditions that may have existed in your familys history. As you age take a look at your home. Do you have stairs to navigate? Is your bedroom and bathroom on the main floor? Take a look at your home and see if it suits your needs as you age.What amenities does your community offer? Do you have access to transportation, activities and services that are important to you? Talk to your family about future financial and medical wishes to ensure they are aware of what youd like.Know your finances. What options do you have now? What care options would you want for the future? Know what the costs are for long-term care needs, assisted living etc.Know your options. Go on line. Google. Call and ask questions of what is out there and what is available. Costs? Plan for the future. What are your lifestyle goals and needs?