You can never know for sure if you will need long term care, and the hope is you never will. However, an unexpected injury, illness or surgery can change everything. The best time to talk about long term care and your wishes is when you are clear of mind and before you need it. Individuals or loved ones with Alzheimer’s Disease or other cognitive impairment should begin planning as soon as possible.

Advanced planning gives you time to research service providers in your community and what they cost. In thinking about long term care, it is important to consider where you want to live. If idea of moving to an assisted living facility or nursing home makes your heart flutter, you are not alone. 90% of seniors want to keep their homes and remain living in them for as long as possible. The good news is, home care professionals can come to your home and provide most eldercare services that hospitals provide. For example, instead of going to a rehab center or nursing home after a hip replacement, you can go back home where a physical therapist helps you recover and a home health aide tends to your home and needs until you recover.

Advanced planning allows you to make important decisions while you are still able which can make all the difference when the time comes. Begin by thinking about what would happen in the event of illness or injury and talk to your family and friends about your wishes. If you are one of the majority who intends to remain at home, be clear about what your home care wishes are and interview several agencies to find a model that is right for you or your loved one.

Admittedly, the topic of long term care is not pleasant, especially if you are healthy now. However, by making your decisions known and clear in advance, it ensures your wishes both medically and financially will be carried out. In addition, having your decisions squared away is one of the greatest gift you can give your loved ones.