Archive for October, 2011

The Circle of Care

The Circle of Care

Care is often provided by and impacts a wide contingency of people who are important to us.

• Care Recipient
• Primary Caregiver
• Secondary Caregiver
• Community Support

When someone has a short term or long term care event, there are often people within a “Circle of Care” who get involved to help. At the center of the circle is the Care Recipient; the person who is in need of assistance.

Surrounding that person is an evolving circle of care that includes a Primary Caregiver, who most often provides the majority of hands-on care. In addition, they often contribute significant financial support. Primary Caregivers and their families are the most directly impacted by their involvement in care.

The Secondary Caregiver is involved to a lesser degree. Whatever the level of involvement, this person fully understands all the dynamics of the care the recipient receives. Even thought they are not at the forefront of care, that financial and emotional impacts of a long term care event can be the same as to the Primary caregiver and should not be underestimated or overlooked. Also affected are the Primary and Secondary Caregivers families; siblings, spouses, children and in-laws.

The Community also provides care through religious organizations, community non-profit organizations, friends and neighbors.

Now, let’s take a look at the impacts (financial and emotional) on the caregivers and families in the circle of care from the Care Recipients perspective:

“My wife had to be available 24/7. She also became my chauffeur and needed to help me shower and dress. She needed to help every time I had to move. It affect her freedom, her lifestyle and her health.”

“My husband had to take time off from his job to help me. He needed to take off more time than what was expected. He was frustrated that I had so much pain and felt that he was not doing enough. I hated myself for asking for so much help.”

“I think my son and daughter were worried that I would have to move in with one of them to care for me. I have always valued my independence, and that feeling does not change with age. But I inevitably needed help; it drained them emotionally and financially. Thank goodness form them, but it altered the rest of their lives.”

If you honestly still feel Long Term Care Insurance is not important, wait until next month.

To Be Continued…With “Real Facts and Statistics”

Abe Glickman, LTCA, LTCP
Member: AALTCI, NAHU, NAIFA, SOA
Abe Glickman Insurance Group
Toll-Free Phone: 877-298-5824
Email: AG@AbeGlickman.com

“It is better to create a plan 10 years too soon than one day too late.”

Questions or Comments? Give me a call!