Protecting your Children from the Long Term Care Burden

From the moment they are born, parents begin to protect and care for their children.  They want their lives to be safe and secure as the child ages into adulthood.  Even in adulthood the parents look after their kids, giving a helping hand whenever they can.  However, the situation slowly reverses as the parents age too, to the point that they begin to need help from their kids because they need long term care services like help bathing.  The one thing a parent can do to protect their kids financially and emotionally through out adulthood is to buy Long Term Care Insurance.

Everyone gets old. Many of us will get sick. A significant proportion of us (more than 2/3 over the age of 65) will require some form of long term care such as nursing home, assisted-living facility or in-home assistance. Long Term Care Insurance coverage can mean the difference between watching an elderly relative’s hard-earned nest egg vanish due to the high cost of these services or, equally if not more painful, their children or other relative needing to care for them, resulting in time off from work, loss wages and emotional hardship. But, while we all get old and many of us will need such care, Long Term Care Insurance coverage can help to insure that older relatives can live out their life in dignity, security, both economic and physical, and without being a burden on their children or family.

For Don, like many other Americans, it has become an all-too common experience. There you are in the prime of your personal and professional life, and your mother or father become ill and are in need of long-term care. Don, an advertising executive at the height of his busy career with a wife and 3 children and a very busy home and work life, found out his mother had Alzheimer’s. His father had already passed away, leaving his mother enough money to comfortably live out her days. However, she had not prepared for her long-term care needs by purchasing a Long Term Care Insurance plan. Now, Don was faced with having to put her in a nursing home or to hire an in-home health aid, both of which were too expensive for even his mother’s fairly significant retirement nest egg. So, Don and his wife decided to take on caring for his mother in their home, which proved to be a very disrupting and emotional situation.

Don’s situation is by no means rare. Most people, according to recent research, are not aware of Long Term Care Insurance and what it covers. They falsely assume that their traditional insurance plans or Medicaid will cover these costs in retirement. This is incorrect and potentially a dangerous state of ignorance for millions of Americans to be in. Long-term care can be very costly. Nursing homes, in-home care and advances in technology are making health care costs rise each year. Most people are not prepared to pay the out-of pocket costs associated with long term care and thus risk losing their savings and assets or, as in Don’s case above, risk burdening their children or other family members. This recent case in Chicago very graphically reveals what lacking Long Term Care Insurance can mean for you or your loved ones. This case, like Don’s, underscores the urgency of preparing for retirement and your future long term care needs now.

 

Children Are Our Future: How Are We Protecting Them?

“I believe the children are our future”, as the song goes. But are we truly seeing this? Children of today are the ones suffering from the products of what their predecessors had done for the past years.

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Our world is rapidly changing at a pace that even technology had a hard time catching up. There is climate change, famine in other parts of the world is very much apparent; war is almost always the feature of any news. And who are the very victims from all of these unfortunate events? Definitely, our Children.

While some children have the best of their lives in some of parts of the world, others are living in poverty fighting off death at an early age. Children who live in poverty stricken countries like that in Africa, children live for less than $1 a day and with that situation survival is unlikely and if ever they did, malnourishment and illnesses will strike these children. In a recent study done by UNICEF, children who live in urban areas have more chances to survive the stages of infancy and early childhood and have better health and more opportunities for education as compared to those living in their rural counterparts.

So what can we do to help out children who are born to a world with so many hardships and less opportunities? A lot of us don’t have enough resources to really reach out to those who are in need and we cannot carry the world entirely on our shoulders. However, it is our responsibility as a human being to help and nurture our children since they are our hope. What our children have become is a product of how we treated and nurtured them.

A simple step of helping our children is by volunteering on feeding programs. You really don’t have to lay down lots of money to help. Just give some of your time in helping them feed, teaching them the right foods to eat everyday to keep them well – nourished is already a big leap. Instead of going out with your friends to do shopping or eating on fancy restaurants, why not make it a habit to visit villages that direly need help. Children of these villages will surely be delighted to see what you have in store for them. Teach them, because not all are given the right to education. Share them your blessings because not all of them are blessed financially. Be their advocate and raise funds for them to help them go to school or give them foods that are nutritious or vitamins. Coordinate with organizations to help you organize with medical missions to check malnourished and sick children.

You see, helping our children is not really at all task-intensive and it doesn’t even require lots of money to start with. Many people are willing to give, that’s for sure. It just need a little bit of persuasion and lots of inspiration to be these children’s advocate. After all, we were once a child then.

Teaching Children to Protect Themselves

Adults, especially parents should understand that child abuse means much more than bruises or broken bones. Physical abuse is dreadful because of the scars and bruises it leaves in the child’s young and fragile body but it should be understood that not all abuse can be seen. There are other acts by an adult that can be considered as child abuse. These are ignoring their needs, leaving them without an adult’s supervision, putting children in a dangerous situation or making them feel that they are not wanted are also a forms of child abuse. Regardless of what  type of abuse, still the result is emotional harm.

Children are vulnerable to adult abuse simply because they are kids; they trust people easily. Adults who are abusing children had reached quite a number. Statistics says that about 5 children die every day as a result of abuse. Almost 3 out of these children are at the tender age of 4. Child abuse has its negative effects to the young ones. Most people who are into drug rehabilitation center stated that they were abused during their childhood days; they have become child abusers themselves.

There are ways in which parents can help their children protect themselves from adult child abusers. It starts with teaching them protection techniques at an early age. Below are some practices that you can teach your kids for them to be protected from adult abusers.

Always keep communication lines open with your child. Time should be set aside daily to talk to them about their feelings. It is a way of building trust between you and your child. It will also help them feel comfortable in talking to you and telling you when they suspect that an adult is dangerous.

There are child abusers and sometimes even bartenders who pretend to be asking help or tricking kids that there is an emergency. Role play with your kids to help them learn techniques and ways on how to act in response to these strangers. This will help them to remember the different approaches you taught them when strangers come close to them. Make it a point to explain to your children that people do not always say who they really are. Teach them to always ask a trusted person before talking to and helping strangers.

Emotional support is very important. Provide your kids with this kind of support when they tell you that they are afraid of another adult. Let them know that it is alright to feel afraid and ask them if that particular stranger did something bad to them. Providing emotional support is helping your kids protect themselves to people who can commit abusive acts.

Always teach them vital information such as their names, telephone numbers and address. Practice recalling this information with your child. Make it a point that your children know how to make calls which sometimes is necessary to reach you and other trusted adult at home.

Teaching your children these things could be a good start to allow them grow and be mindful of their surroundings.

Tips on Protecting Children from Adults

As you all know children can be victimized by any adults around them nowadays and knowing how you can protect them is ideal, for them to be safe no matter where they are or what they are doing. Some parents think that watching their children go to school and go home is enough, but the truth is it isn’t enough. Letting your children know the thing that they should do when unexpected things happen is important, for them to be able to know what to do and how to respond. There are children that can easily be persuaded by adults, while there are children who know how they protect themselves. Children who are knowledgeable enough when it comes to situations like this have a lower rate of being victimized by adults. If you want your children to be safe and protected then teaching them some tips is definitely an ideal thing to do.

Using a Phone

You need to teach your children on how to use a phone in case certain situations arise. For instance if they need help or assistance, you need to teach them who to call. You have to option to let your children call the police immediately or call you first. There are phone booths everywhere and if your children don’t have mobile phones, using a phone booth is ideal. But you should teach them how to place a collect call especially if they don’t have any pennies with them. You can let your children practice calling you using their mobile phones or using a phone booth for you to ensure that they understood everything that you taught them.

Boosting Children’s Self-Confidence

There are adults that scare children for them to be able to get the children without any commotion. Once the children get scared they can easily take the children with them without any trace of force and such. But if your children show confidence the adult will have second thoughts of abducting your children. If the adult persists, teach your children where to go and what to do to avoid the abductor from getting them. They can run or shout to attract attention from others, which will make it hard for the abductor to get your children. This will let him go away and leave your children behind without harming them and such.

Avoid Talking to Strangers

Lastly the most important thing to teach your children is to avoid talking to people they don’t know. Some strangers will act nice and offer them certain things that they like and you should let your children know about these things. They should not accept anything from a stranger because it is extremely dangerous. Teach your children to stay away from the stranger and call you or the police right away.

These are just some of the useful tips on how to protect children from adults. You need to teach them everything that they need to know, for them to stay protected and safe even if you are not around.