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Keeping your loved ones at home.

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In 1948, Golda Meir was appointed a member of the Provisional Government. After independence, she became the Ambassador to the Soviet Union, and in 1949 was elected to the Knesset and served as Minister of Labor 1949-1956 and Foreign Minister 1956-1966. Golda Meir was the Secretary General of the new Labor Party and on the sudden death of Levi Eshkol in 1969; she became Premier at age 70. Age 70. This quote from Golda Meir has always stayed with me.

  • At work, you think of the children you’ve left at home.
  • At home, you think of the work you’ve left unfinished.
  • Such a struggle is unleashed within yourself, your heart is rent.

Whenever you open a newspaper or magazine these days, you’re likely to find an article exhorting baby boomers to plan for retirement—telling them to save more, to learn about portfolio planning, and to project their financial needs for decades to come.

This focus on financial health may improve the state of boomers’ wallets, but it ignores the single greatest issue that will affect their quality of life in retirement: the high probability of chronic disease. The Alliance for Aging Research reports that by age 65, nearly nine out of ten Americans will have at least one chronic condition.

A recent survey by Roper/GfK reveals that most Americans drastically underestimate their chances of getting cancer, heart disease, diabetes, and neurological disorders such as Alzheimer’s disease as they age. When asked about their chances of having a chronic disease by age 65, just 4% of survey respondents selected the correct range (81%–90%). Just 10% of the American public correctly estimates their chances of getting cardiovascular disease (61%-70%)1.

Women are so busy taking care of others, they find little time for themselves. My heart is rent that yesterday was National Go Wear Red Day and I saw about 1% of the people in my world wearing red or understanding it's meaning. And I'm outspoken!!!

As Goldie Meir shared years ago in the quote above - women are in constant turmoil. One area we can do something about NOW is our own caregiving. When we're done taking care of others, who will take care of us?

Up until recently, the only real government alternative for dealing with the challenges of providing long term care to those with major disablities was Medicaid.

Of course, you had to spend away all your assets to qualify for Medicaid so it's not much of a strategy.
It does nothing to protect your lifestyle and really does very little to provide the type of care at home most people want, care provided by loved ones.

With the passage of the recent National Health Care Bill, a new program, the "C.L.A.S.S. Act" was introduced to address the issue of long term care. Like so many government sponsored endeavors, the C.L.A.S.S. Act turned out to be much less than hoped for. Though the final regulations for the C.L.A.S.S Act will not be completed until sometime in 2012 (the government's best estimate) much of what is known about the plan is not helpful in supporting the strategy of loved ones providing care at home:

1. The plan must be purchased through a participating employer.
2. An individual is not eligible for benefits until they have contributed to the plan for a
minimum of 60 months.
3. The maximum available benefit is likely to be only $50 per day.
4. Most importantly, benefits are only payable to licensed health care providers (just as
with most traditional long term care policies). This means that family caregivers, the
arrangement most people want to use, are excluded from payment.

Once again, there is little thought given to individuals protecting their lifestyle and receiving the care at home they want and deserve.

The link explains the C.L.A.S.S. Act

Our heart is rent for so many reasons. Protecting yourself and your future can be resolved! With this unique program, if you become disabled in activities of daily living, whether while employed or due to simple aging, you can be cared for at home, by those who love you most and at the same time provide those caregivers with necessary financial and emotional support. With this unique program. Stranger care (the type of support typically offered through traditional long term care insurance policies) is no longer the only alternative.

LOVED ONES AT HOME

I do not know of any individual who would not benefit from learning more about this unique pure cash program.

This month sit down and make a list of all your responsibilities. Then add your name to the top of that list!

I am Lois Trader - LA Heart Health Examiner - author of the new book SURVIVING due out in March. If you are interested in having me speak to your group, organization, faith-centered event - please follow the links on my site.

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