People who are involved in elder law and geriatrics are always going to encourage seniors to make healthy lifestyle choices.
Celebrating a certain birthday doesn’t have to equate to the expectation of ill health. Many health problems are brought about by an accumulation of poor choices, and indeed many illnesses are preventable if you do the right things.
The above having been stated you don’t want to harbor any illusions as you are making preparations for the latter stages of your life. While you may in fact reduce your medical expenses by doing what you can to keep yourself healthy you are not necessarily reducing the possibility of the need for long-term care eventually.
In fact, the reverse could be true in many instances.
Someone who ate the wrong foods, did not exercise, and smoked to excess may pass away suddenly at a relatively young age from a heart attack. An individual such as this would never have required long-term care.
Conversely, a senior citizen who did everything possible to stay healthy may in fact live a very long life.
Once you enter your mid-80s you have a 40% chance of being an Alzheimer’s sufferer. This is just one cause of incapacitation, but when you look at it practically and pragmatically the older you are the more likely it is that you will indeed incur long-term care costs.
These potential expenses are simply a fact of life, and they are something to budget for in advance. If you make preparations with the assistance of a good elder law attorney you can enjoy your golden years to the fullest with total peace of mind.