GRAND Magazine - January/February 2010 - 31
in some sort of institution—probably a nursing home. My brother would probably have given up his life in New Jersey to look after them, and my wife and I would probably be paying for their care, which by now would have cost nearly $500,000. When my wife, Maddy, and I stopped to think about it five years ago, we considered what might happen to our lives if sometime down the road we needed extended care. Although my folks bought their policies in their 70s, we decided to buy ours in our early 50s, when the rates are lower and the likelihood of qualifying is far higher. And, we also took advantage of the special discounts for couples. In addition, because we are small business owners, around three quarters of our premiums turned out to be tax-deductible. While I don’t think everyone needs LTC insurance, I do believe that everyone should have a plan for how they’re going to be looked after should they need extended care, and how they’re going to pay for it without burdening their families. G Ken Dychtwald, Ph.D., founding CEO of Age Wave, is a psychologist, gerontologist and author of 16 books. His new book (with Daniel J. Kadlec) is With Purpose: Going from Success to Significance in Work and Life . Ken and his wife, Maddy Helpful Web sites: www.longtermcare.gov, www.caringtalk. com, and www.ResearchLTC.com The crunch To come Today, three quarters of all care is provided informally by family members outside of institutions. But there will soon be a shortage of family caregivers for four reasons: 1. Fewer children to provide care (today’s elders had around four children per couple, while boomers have had only two). 2. Family members may not live nearby due to increased mobility and relocations. 3. Escalating numbers of singles without a spouse to care for them, due to rising divorce rates and widowhood (women outlive men by more than five years). 4. Highest rates—ever—of both middle-aged men and women working. And so, the adult daughter or son might need (or wish) to work. Share this article with your friends. Click and connect to more resources instantly where you see this symbol: JANUARY 2010 GRAND
http://www.caringtalk.com
http://www.longtermcare.gov
http://www.caringtalk.com
http://www.ResearchLTC.com
http://www.agewave.com/
http://www.agewave.com/
http://www.amazon.com/Purpose-Going-Success-Significance-Work/dp/0061373117/ref=pd_bbs_sr_1?ie=UTF8&s=books&qid=1237582531&sr=8-1
http://www.amazon.com/Purpose-Going-Success-Significance-Work/dp/0061373117/ref=pd_bbs_sr_1?ie=UTF8&s=books&qid=1237582531&sr=8-1
GRAND Magazine - January/February 2010
Table of Contents for the Digital Edition of GRAND Magazine - January/February 2010
GRAND Magazine - January 2010
Contents
WinShape Homes: Chick-fil-A’s Best-Kept Secret
GRAND Central
Meet Kay Glynn: America’s Fittest Grandmom
Fighting Fat in Kids
Hidden Sugars
The Coming Caregiver Crunch
The Secret World of Grandparents
Cyber-Savvy GRAND
GRAND Ride
RESOURCES
GRAND Finale
GRAND Magazine - January/February 2010 - 5
GRAND Magazine - January/February 2010 - GRAND Magazine - January 2010
GRAND Magazine - January/February 2010 - Cover2
GRAND Magazine - January/February 2010 - 3
GRAND Magazine - January/February 2010 - 4
GRAND Magazine - January/February 2010 - 5
GRAND Magazine - January/February 2010 - Contents
GRAND Magazine - January/February 2010 - 7
GRAND Magazine - January/February 2010 - 8
GRAND Magazine - January/February 2010 - 9
GRAND Magazine - January/February 2010 - WinShape Homes: Chick-fil-A’s Best-Kept Secret
GRAND Magazine - January/February 2010 - 11
GRAND Magazine - January/February 2010 - 12
GRAND Magazine - January/February 2010 - 13
GRAND Magazine - January/February 2010 - 14
GRAND Magazine - January/February 2010 - GRAND Central
GRAND Magazine - January/February 2010 - 16
GRAND Magazine - January/February 2010 - 17
GRAND Magazine - January/February 2010 - 18
GRAND Magazine - January/February 2010 - 19
GRAND Magazine - January/February 2010 - 20
GRAND Magazine - January/February 2010 - 21
GRAND Magazine - January/February 2010 - Meet Kay Glynn: America’s Fittest Grandmom
GRAND Magazine - January/February 2010 - 23
GRAND Magazine - January/February 2010 - 24
GRAND Magazine - January/February 2010 - 25
GRAND Magazine - January/February 2010 - Fighting Fat in Kids
GRAND Magazine - January/February 2010 - 27
GRAND Magazine - January/February 2010 - Hidden Sugars
GRAND Magazine - January/February 2010 - 29
GRAND Magazine - January/February 2010 - The Coming Caregiver Crunch
GRAND Magazine - January/February 2010 - 31
GRAND Magazine - January/February 2010 - The Secret World of Grandparents
GRAND Magazine - January/February 2010 - 33
GRAND Magazine - January/February 2010 - Cyber-Savvy GRAND
GRAND Magazine - January/February 2010 - 35
GRAND Magazine - January/February 2010 - GRAND Ride
GRAND Magazine - January/February 2010 - 37
GRAND Magazine - January/February 2010 - 38
GRAND Magazine - January/February 2010 - 39
GRAND Magazine - January/February 2010 - 40
GRAND Magazine - January/February 2010 - 41
GRAND Magazine - January/February 2010 - 42
GRAND Magazine - January/February 2010 - RESOURCES
GRAND Magazine - January/February 2010 - GRAND Finale
GRAND Magazine - January/February 2010 - Cover4
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