NOW is the Time for Long Term Planning
现在是长期规划的时候
We won’t admit it but NOW is the time to start planning for our long term care needs. Planning ahead is important because 70% of people turning age 65 can expect to use some form of long-term care during their lives. And, most likely the older you get the greater the chance you will need long term care.
我们可能不愿意承认，但现在正是开始规划长期护理需求的最佳时机。提前规划很重要，因为70%的65岁人群在一生中可以预期会使用某种形式的长期护理。而且，通常情况下，随着年龄的增长，您需要长期护理的机会也会增加。
Why is planning ahead for long term care so important? Consider the following:
为什么提前规划长期护理如此重要？请考虑以下几点：
- not relying on children or family with care giving responsibilities
- 不依赖子女或家庭承担照顾责任
- protecting your retirement assets
- 保护您的退休资产
- ensuring that critical choices remain yours
- 确保关键选择仍由您决定
It’s important to plan ahead because the cost of services often exceeds what you can afford to pay from your income and other investments. With planning, there is a greater likelihood that you will be able to leave an estate to your heirs, because you are less likely to use up your nest egg.
提前规划很重要，因为服务费用往往超过您可以从收入和其他投资中支付的金额。通过规划，您更有可能为您的继承人留下遗产，因为您不太可能耗尽您的储蓄。
With long term care planning you are helping to reduce the emotional and financial stress on you and your family. It gives you and your family peace of mind.
通过长期护理规划，您可以帮助减轻自己和家人的情感与财务压力。这也为您和家人提供了安心
Most important, you want to stay in your home.
最重要的是，您希望留在自己的家中
If you will need care, planning will help ensure your greater independence should you need care. Your choices for receiving care outside of a nursing facility and being able to stay at home or receive community-based services are greater if you plan ahead.
如果您需要护理，规划将帮助确保您在需要护理时能保持更大的独立性。如果您提前规划，您在护理选择方面的灵活性会更大，您可以选择在家中或接受社区服务，而不必住进护理院
Don’t Delay!
不要拖延！
There are a number of reasons many people don’t plan ahead. Maybe you think, that even as you age, you won’t be dependent on others or need assistance. Or, maybe you think you have time to buy long term care insurance. Keep in mind, the older you get the more expensive long term care insurance becomes.
许多人不进行提前规划的原因有很多。也许您认为，随着年龄的增长，自己不会依赖他人或需要帮助。或者，您认为还有时间购买长期护理保险。请记住，您年龄越大，长期护理保险的费用就越高
Whatever your reason, give us a call and let’s discuss your options.
无论您的理由是什么，请给我们打电话，让我们讨论您的选项