Sometimes you can be lulled into a false sense of security for one reason or another, and as a result you may fail to take the appropriate actions. This can come into play among healthy senior citizens.
Let’s say that you have always been one to go to the gym regularly, eat well, and refrain from smoking and excessive drinking. You see your retirement years start to come into focus and you feel very good physically. Your doctor has given you a clean bill of health and you are optimistic about the future.
You go forward after you retire enjoying yourself and you feel as though you are reaping the rewards of your hard work and healthy lifestyle choices.
So far so good, but you should still make sure that you are making preparations for the possibility of incurring long-term care costs.
Nursing homes and assisted living communities are extremely expensive, and Medicare does not pay for extended stays so you must be prepared to meet these expenses in one way or another.
Just because you are healthy when you are in your 60’s doesn’t mean that you won’t need long-term care when you are in your 80’s. And remember, many people who are residing in assisted living facilities are suffering from mental incapacity rather than physical incapacity.
Thinking pragmatically as you prepare for the eventualities of aging is key. If you aren’t sure how to go about bracing yourself for long-term care costs the intelligent first step would be to sit down and discuss the matter with a good Indianapolis elder law attorney.