• Mary Sizemore

New Research Shows Longevity and Long-Term Care Link

The Longevity Factor

If your clients are like most people, they hope to live a long life. Their longevity is largely impacted by their lifestyle, habits (good and bad), their genetics, and the advances we see with modern medicine. Living a longer life increases the chances of needing help with our activities of daily living (such as bathing and dressing).

A new study has found that while a healthy lifestyle has been linked to a lower risk of Alzheimer’s, increased life expectancy raises the risk of cognitive impairment and dementia. The study analyzed data from Medicare patients and found that half of U.S. adults had been diagnosed with Alzheimer’s or dementia at least two years before they died. While living a healthy lifestyle increases your longevity, living a longer life increases your risk of developing Alzheimer’s or dementia.

A Greater Need for Long-Term Care

It’s surprising that while our clients plan to live a long life, they don’t necessary plan for the long-term care crisis that could occur from that longevity. For this reason, we encourage you to discuss with your clients a plan for their dependency. Urge your clients to speak to their children about their future care expectations. Your client’s assumption that their family will provide care may not be realistic. We also recommend a long-term care insurance policy to those clients that have assets at risk.

Long-term care insurance remains one of the most affordable solutions for covering long-term care costs. For more information about the policies available in your state, please call a member of our team at 1-800-945-1953


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