By George T. Leamon, CLTC – Lutgert Insurance –
Stress is the result of several different rationales, but there is one area in which many have fallen prey at least once before…stress from procrastination. Procrastination is a major source of stress, but when you combine personal tragedy and procrastination, you have a real nightmare. Sound like the ultimate stressful situation? Yet many procrastinate too long when purchasing long-term care insurance. Long-term care insurance is possibly the most important policy one will ever hold, and yet, many procrastinate, and even toy with the idea of not purchasing a long-term care policy for themselves until it is too late.
The ease of securing this type of policy can be quickly and conveniently accomplished. With a long-term care specialist, the stress can be eliminated.
In Robert Cochran’s book, entitled The Truth About LTC Insurance, he persuades his readers of the necessity of purchasing a long-term care insurance plan and who to turn to when one is ready to do so. Cochran urges readers, “with proper information and planning, you can greatly reduce the negative impact that a long-term care situation could have on you, your family, and your finances.” The subject is not enjoyable to think about, because we envision ourselves able to handle everything, however, there may come a day when we will not be as strong, not as mentally sharp, and not as physically capable of taking care of ourselves. When that day comes, will you be prepared?
In order to purchase a long-term care plan, one must seek correct representation in order to receive the right information. But, there are those who are giving wrong advice. Cochran speaks of “nonspecialists” giving incorrect representation this way, “often the advice they [non-specialists] give can be quite harmful to those who heed it…It would be like having cancer and going to your primary care physician for treatment as opposed to an Oncologist.” A long-term care specialist, on the other hand, has the facts to educate you and your family about the right policy for you.
The percentage of people needing care is going to rise over the next several years and your options may change. Personal plans may change as well. Perhaps your family will not be able to help you as much as you originally desired. Then, you will need to know how your plan can be adapted to fit your needs. A long-term care specialist will be able to guide you through these varying decisions.
Robert Cochran writes, “Most people would never say…‘I don’t think my home will burn down this year, so I am not going to renew my fire insurance.’ When it comes to needing long-term care, it makes just as little sense to say, ‘I am not going to protect myself with long-term care insurance because I don’t think it will happen to me.” Life throws many curveballs our way and we need to think fast and clearly in order to decipher the correct move. Having a long-term care specialist working for you eliminates the stress of playing on the defensive side in this area of life.
Eliminate one of your stressors. Stop procrastinating. Contact a specialist to walk you through the process and ease your worries about the future. If you need long-term care, it’s there. If you don’t, then you have the peace of mind of knowing that you and your family are prepared.
The Lutgert Insurance Company can work for you. George T. Leamon is a certified LTC Advisor and an associate with the Lutgert Insurance Company. He has been helping clients with their insurance needs in Southwest Florida for over twenty-five years. Contact Mr. Leamon when you are ready to let go of the stress. Let a specialist guide you through the correct steps and decide which long-term care plan is best for you and your family before it is too late.
George T. Leamon, CLTC – Lutgert Insurance