When Linda Devitt and her brothers bought a long-term care
insurance policy for their father, protecting the legacy of the family farm was
their core concern. Devitt, an insurance specialist at Newman Long Term Care in
Richfield, Minn., always thought that preserving the legacy of the farm would
be the best thing about having long-term care insurance for her father. But
when he decided to go into a nursing home several years later, it turns out not
having to share his room or bathroom was equally important.
Because he had long-term care insurance, Devitt’s father
could afford a private room, unlike many of his friends living in the nursing
home whose care was provided by Medicaid. “The last lesson my father taught me was that dignity is as
important at 87 as it is at 67,” Devitt said.
Without long-term care insurance, Devitt’s father would not
have been able to maintain his independence and dignity he worked so hard to
achieve his entire life. Long-term care insurance allows people to remain
self-reliant as they get older.
It is a common misconception that Medicare will
pay for long-term care needs. In reality, this federal program only covers a
small percentage of these costs and does not cover personal or custodial care,
which includes helping people accomplish daily tasks such as bathing, dressing
and eating.
Dignity is important at any age and should not have to be
sacrificed when the need for care arises. Contact Lucy Grosz today at 614-889-0934 for a no-cost, no
obligation consultation on your long-term care planning options.
