I am a lucky lady, I have a loving husband, kids who I live each day for and an extended family who I could not do without. As a parent, wife, daughter, sister, etc there are conversations that are fun, light and then there are conversations we have to get a little deeper in. As I watch my kids grow I always want the best for them, same goes for the rest of my family. This is where the deep conversations can creep up.
Conversations about life and what will happen down the road. I am still young, in physical age, but that doesn’t mean I don’t need to be prepared for down the road. One thing, as a parent, I don’t want to be is a burden on my children. As I age I want them to take care of me as long as they would like to and if that means until my last day so be it. However, I do want them to know I have a plan in place should I ever need more care than they can physically give me.
It’s a conversation most of us don’t of us don’t necessarily want to have, who wants to think about getting older right!? However, it is a conversation that when our kids are old enough to understand, I personally feel we need to have. I want to make sure it’s all spelled out and we agree on what will happen down the road. I want those little smiling faces you see in the photo above to still be smiling like that in 40 years. I don’t want the stresses of life to take it’s toll on my kids. Having long term care insurance can aid in making an easier transition should we ever have the need for one.
If they are anything like me they will insist on taking care of myself and their father, but I just want to make sure they know that there will always be a plan in place should they need it. Long term care isn’t a conversation starter we want to have everyday but it is something all families should talk about to have a plan in action. Just so no matter what there are no surprises. A plan of action is always best and this plan can be started by a discussion with the ones you love.
When do you think is the best time to bring up long term care with your children? What about your own parents?
This post is sponsored. Long Term Care Insurance information brought to you by Genworth. All opinions are 100% my own and honest. Please read more on my policies in my disclosure.
Toni Patton
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That is a very good question. I am 59, my mother is 85. I have had conversations with my grown children about this subject, and they have let me know that I am welcome to live with any of the four of them. I’m not sure what exactly I would choose to do, because it really is a hard decision to make.
My mother is to the point where she needs more help than we can give her with her living alone in her own home. My sister has offered to let her come live with her, but my mother is hesitant to give up what freedom she has left. It puts us all in a sticky situation. Mama can no longer drive, she shouldn’t be cooking, and she is unable to clean her house, but she doesn’t want to move. What do you do, short of each of her 4 children taking turns living with her for a week at a time?
It’s not a topic any of us want to talk about but we really need to. We need to make sure we know what our loved ones would really want.
Keeping our family informed of what we want is one of the most important things we can do when it comes to end of life care!
I guess its an important thing to talk about. I’m not sure when the right time is.
I always think about this. I don’t really want to mention it but it is important we do. Thanks for posting about it!
This definitely isn’t something that people love to talk about, but it needs to be addressed. I think I do need to wait until my kids are older because they are just little now, but I’ve talked about it a bit with my mom.