Long Term Care Consultants


The Burden Upon Caregivers

 Long Term Caregivers A 2004 survey by the National Alliance for Caregiving and the AARP found that nearly 34 million people are providing unpaid care for an individual 50 years of age or older. This labor of love comes at a great cost to the caregiver.
What are some of the costs? The average female caregiver is married and employed*. One can immediately begin to visualize the strain on this person.

Signs of caregiver stress**:

  • Denial about the disease and its effect on the person cared for
  • Withdrawal from friends and family
  • Feels tired and overwhelmed
  • Begins to have an inability to concentrate
  • Develops physical ailments such as blurred vision, stomach irritation and high blood pressure
  • Feels depressed and unable to cope
  • Sleeplessness
  • Becomes anxious about the future

There is also evidence pointing to further decline in family relationships.
For example, the care-giving spouse often begins to neglect the other spouse because of loss of energy; marital bonds begins to unravel. Whether the patient is Mom, Dad, or an adult child, they soon and simply become just a patient.

Lastly, the added financial burden can take away those resources needed for the family's own provision.

Can this downward spiral be prevented? Yes, definitely! That's what Long-Term Care planning is for! But as with most insurance, you need to prepare in advance.

Once long-term care is needed, you can't get Long-Term Care Insurance!

*Health and Human Services Administration on Aging Statistics
**Genworth Financial's "Momentum", Issue 1.