What are the chances in your lifetime of…
• Losing a home to fire? → 1 in 1,200 (less than 1%)
• Having a car accident? → 1 in 240 (again less than 1%)
• Needing assistance when you can no longer care for yourself?
Yes, over 70% of individuals 65 and older will require some degree of personal care.
What Assistance Is Available To You?
The options to plan for your future care are limited. You can:
• rely on the government
• rely on your loved ones
• pretend it won't happen and hope for the best, or
• plan with insurance
Relying on loved ones is never a positive situation as family and loved ones are not properly trained to be a care giver creating safety concerns, along with distress, depression, and anger between everyone while hoping for the best is simply a case of denial.
This leaves us with Relying on the Government and Planning with Insurance as the 2 remaining options to consider.
Comparison
Plan with Insurance
- You are a CONSUMER of care, you have 100% CONTROL over the care you are provided; WHO treats you and WHEN, and WHAT services are received.
- Eligibility for benefits is immediate upon the completion of a simple claim form signed by your doctor.
- You have the flexibility to direct your care whether that is personal care, home making, or community outings.
Rely on the Government
- You are a RECIPIENT of care. You will have NO CONTROL over who treats you, when you receive care, or what services are provided.
- Eligibility is constantly assessed and regulated by Healthcare professionals and care may be declined or reduced at any time.
- No support is provided for instrumental activites of daily living such as laundry, grocery shopping, light housekeeping, or meal preparation