~Post made in partnership with Genworth Financial. Stories and opinions are my own.~
Last week was my birthday and for some reason I was dreading it. I just assumed it is that feeling you get when your years start adding up and you realize you aren’t twenty anymore and getting ever closer to 40, but there was something more to it. I just didn’t feel like celebrating and was happy that my husband and my tot had a special low key day for Mommy in mind. It was still a day where I got to pick everything, but without all the ‘surprises’ and hoorah about my turning another year.
At the end of the night, while staring at my face in the mirror, I realized what it was that was bothering me so much. It wasn’t that *I* was dreading my own mortality, but one year older meant one more year has gone by for my aging loved ones. Although people had grown old in my young life, they weren’t family that I was all too terribly close to. Everyone that was gaining senior status were my immediate family members, the closest people to my heart and that’s never something anyone wants to face.
I’m coming into those years of difficult questions with my parents, questions that my sister had already had to face with my Grandma. Not that my parents are old enough to be retiring from their working, busy lives, but just as purchasing life insurance early in life can save your family members from having to deal with the burden of heavy costs at the end, so does long term care insurance save everyone from the hefty costs of eventual (in most cases inevitable) long term care expenses. I just don’t think many people understand that long term care insurance isn’t just insurance to help cover costs of nursing facilities or retirement villages, it also helps those people that you love stay home.
It shouldn’t surprise anyone that most seniors want to purchase long-term care insurance as a way of keeping out of nursing facilities for as long as they can and to cover nursing assistance (if necessary) to not burden adult children. They want to keep living their lives just like the rest of us. Just because you get older doesn’t mean that you aren’t the same person. We all understand that and that is a great way to bring up the discussion with parents and grandparents.
Anyway, that’s been on my mind a lot since my birthday. It dulls the childhood fears of my parents not being immortal and keeps me realizing that there is always something we can do to enrich our lives together – for each other. Don’t you think?