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Do your future plans safeguard against changing needs?

Understanding the likelihood that even older adults in good health may need long-term care as they age can be a pivotal first step in building a dependable plan for the what-if’s of life. So let’s start with this:

That’s the chance healthy 65-year-old couples will have at least one partner who requires significant long-term care as they age.

The baseline for home health care is 44 hours per week


While home health care stands as a preferred option for many, the expense of such services can quickly escalate.

For those 44 hours a week, seniors can expect to pay more than $50,000 annually. However, if more hours of service are needed, home health care can easily and significantly exceed the annual cost of a nursing home.

Is the average cost for 84 hours per week or 12 hours of daily care. If changing needs require 24/7 support, that average annual cost rises to $215,376.

When considering the costs of long-term care — whether provided at home or in a nursing facility — it’s important to also think about the role geography can play. In areas of the country with higher than average overall cost of living, the amount seniors can expect to pay for care services will be higher than the national average.