The reality is most of us will require care at some point in our lives.

If you’ve ever provided care for a loved one you can appreciate why it’s important to plan for your own health care needs in retirement.  Especially if these needs could include eating, bathing, dressing or even getting out of bed, placing these needs on loved ones or family can take its toll emotionally, financially and physically.

Planning can help by providing financial resources. It can also make it easier for you to have the conversation with your family about your wishes so you can get the care you deserve, such as staying in your own home as long as possible, hiring professional caregivers, or moving to an assisted-living facility additional services may include:

  • nursing care
  • rehabilitation and therapy
  • personal care (help with activities of daily living such as dressing, eating and bathing)
  • homemaking services (cleaning, laundry, preparing meals)
  • having another person there to watch over you and help you when and where you need it