Why “What’s Your Plan?” is the Most Important Question You Can Ask...

For those of us in the insurance industry, asking clients about their long-term care plan can be the difference between dignity and hardship in their final years. When there isn’t a plan, the consequences can be heartbreaking, as highlighted in a powerful New York Times story, “Fighting to Honor a Father’s Last Wish: To Die at Home.”

This article tells the story of Joseph Andrey, a man who wanted to die at home but faced countless obstacles, from gaps in healthcare coverage to an overwhelmed system that struggled to meet his needs. Stories like Joseph's illustrate the importance of preparing clients for future care decisions—and ensuring they have access to the options that honor their wishes.

Why Long-Term Care Planning is Critical

Long-term care isn’t just about securing funds for nursing homes; it’s about providing dignity, independence, and choice for your clients. According to research, almost 70% of people turning age 65 will need long-term care services at some point in their lives. Yet, too often, families face difficult situations when there's no plan in place, creating stress and emotional strain for everyone involved.

The Realities of In-Home Care: What Your Clients Need to Know

Clients often believe that Medicare or Medicaid will cover in-home care, only to find that coverage is limited and strict requirements apply. For example, Medicare generally doesn’t cover extended in-home care, leaving clients with few options if they want to stay in their own homes.

• Did you know? Only 24% of Americans have discussed long-term care planning with their families, despite its critical role in aging with dignity. Have your clients thought about where they would prefer to receive care?

By discussing options with clients now, you’re not just helping them secure a policy—you’re helping them build a plan that brings peace of mind to them and their loved ones.

Questions to Ask Clients

To get clients thinking about their future needs, try asking:

• What are your wishes for care in the event you can’t live independently?
• Have you considered how unexpected health issues could impact your loved ones?
• Are you aware of the types of services long-term care insurance can cover?

These questions can open the door to meaningful discussions about what matters most to them, making it easier to tailor solutions to their unique situations.

The Role of a Comprehensive LTCI Policy

With a comprehensive long-term care insurance (LTCI) policy, your clients have options. A well-rounded policy can cover:

• Home Care: Enables clients to receive support in the comfort of their own homes.
• Adult Day Care: Provides supervised care for clients in a community-based environment.
• Hospice Services: Offers compassionate care during the final stages of life.
• Assisted Living and Nursing Home Care: Covers more intensive care as needs evolve.

The result? Clients can choose where and how they receive care, ensuring a higher quality of life and reducing the burden on their families.

Make a Difference in Your Client’s Life Today

You have the power to help clients avoid the struggles faced by those like Joseph Andrey. Don’t wait—initiate the conversation. By asking “What’s your plan?” you can ensure that your clients have the dignity, independence, and choice they deserve.

If you’re ready to discuss the best solutions for your clients, contact your LTC Specialist today. Together, we can design a plan that is both affordable and perfectly suited to each client’s unique needs.