Modern World Impacting Health and Aging
The human lifestyle has changed since man first took their first step. Even in the last 100 years, the changes in lifestyle and technology have been dramatic. Is today's human best designed for today's life?
Experts are now warning that a 'mismatch' exists between the way our senses have evolved and the modern world. This mismatch is making us ill and even aging us faster.
The 'ape that's in us' developed a taste for sugary fruits that were only available sometimes. The apes didn't have an agriculture and transportation system to provide them with produce regularly.
Our Bodies Not Designed for Today's Lifestyle
Experts say that today's modern world is radically different now from how human senses have evolved over time. Our eyesight was not designed for looking at computers for hours in artificial light. Air quality is damaging our sense of smell. We spend more time inside and are less active. The result is we are short-sighted, obese, and depressed.
The pressure today's human faces in everyday life means we suffer from more stress and anxiety than ever before.
Luckily, we also have advances in medical science. Longevity allows many of us to live to our mid-80s and beyond. The problem is the quality of that life due to aging and declining health issues that often lead us to require long-term health care.
Apes Can't Prepare ... But You Can
Have you prepared your family and finances for the financial costs and burdens of aging? There are physical, emotional, and financial consequences that come with getting older and the declining health and mobility problems of aging.
Families are not prepared to be caregivers and lack the skills - or time to become full-time caretakers. Paid long-term care services are expensive and drain income and assets and adversely impact lifestyle and legacy.
Affordable Long-Term Care Insurance provides guaranteed tax-free resources to maintain your independence and give your family the time to be family. The financial impact can be dramatic. The cost of a nursing home, which is the least likely but most expensive type of care, is averaging over $100,000 a year. Yet, care at home, adult day care centers, assisted living facilities, and memory care are not cheap.
See the financial impact on current and future care where you live by using the LTC NEWS Cost of Care Calculator.
Many LTC Options Available
There are many policy options, including shared spousal plans, where you and your partner can share the benefits of a policy. Hybrid policies combine life insurance and long-term care. What is best for you? You can start finding out by using the resources of LTC NEWS.
Experts suggest using a qualified and experienced Long-Term Care Insurance specialist. These specialists can navigate the many working parts and match your age and health with the best plan - saving you money.
The fact is that most financial advisors and general insurance agents lack the experience needed to help in this area. They often only represent one or two insurance companies. Premiums for Long-Term Care Insurance can vary over 100% for the same benefit. The underwriting rules also vary dramatically between insurance companies.
Start your research in your 40s or 50s when you still enjoy good health. Premiums are also much lower when you are younger. While you may find coverage when you are older, it is best to plan before retirement.
Don't just sit there like an ape, be proactive, and plan.