The simple fact is, no one wants to talk about long-term care. Yet, with rising costs and higher demand, long-term care should be a topic at the forefront of everyone’s retirement plan. The U.S. Department of Health and Human Services estimates that 70 percent of retirees will need some sort of long-term care in their life. When this is combined with the median annual cost of assisted living — $45,000 — the financial impact on your retirement becomes substantial. This begs the question: Are you prepared for long-term care? Medicare won’t cover your long-term care needs. Medicaid can assist with them, but it would require spending down all assets to become eligible, which could bankrupt your spouse. This means that long-term care will often fall to family, which can be extremely stressful and overwhelming for anyone to undertake. In some cases, family can be nonexistent or unreliable, which can leave you with a lack of long-term care options. All of this is volatile, but becomes even more dangerous when you factor in rising costs. YOU ARE RESPONSIBLE FORYOUR CARE HAVE YOU PLANNED FOR LONG-TERM CARE? DON’T BE BLINDSIDED BY YOUR RETIREMENT
RISING COSTS
The cost of assisted living or nursing facilities isn’t getting any cheaper. Depending on your state of residence, you could be paying anywhere from $3,500 to $8,000 per month just to make sure your most basic needs are met. In 2017 alone, these costs were up 3.36 percent, and they are projected to continue to rise. Overlooking long-term care in your retirement plan can put you and your family in a troublesome situation. Take the burden off your shoulders now by putting a plan in place for future prolonged medical attention. No matter where you are in your retirement plans, it is never too late to structure your wealth, ensuring you are taken care of. Contact us today and let’s put something in motion so your retirement is ready for any bumps along the way.
SUDOKU
SWEET AND ZESTY DETOX SALAD
FORTHE SALAD • INGREDIENTS
FORTHE DRESSING •
3 cups chopped kale leaves
1 large carrot, roughly chopped
•
2 cups chopped broccoli florets
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1/4 cup rice wine vinegar
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2 cups chopped red cabbage
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2 tablespoons olive oil
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1 cup matchstick carrots
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1 tablespoon finely chopped ginger
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1 cup chopped cilantro
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1 tablespoon honey
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1/2 cup toasted slivered almonds
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1 tablespoon white miso
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1/3 cup sliced green onions
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1/2 teaspoon sesame oil
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1 diced avocado
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Salt and pepper, to taste
DIRECTIONS
1. To make the salad, add all ingredients to a large bowl; toss to combine. 2. To make the dressing, add
salt and pepper or add extra honey for a sweeter taste. 3. Drizzle dressing over salad and serve immediately.
all ingredients to a blender or food processor. Pulse until smooth. Season to taste with
Recipe inspired by GimmeSomeOven.com
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