Seniors, can we talk?
I was in a nursing home the other day and saw several wonderful portraits. Above them was something about the artist. His name is Kevin and he’s a resident at the nursing home and has been since 1998 – for 18 years! Do you think this was “his plan” Do you think he planned to have this long stay in a nursing home? To have his art work displayed in his room at the nursing home? You know, maybe he did. Kevin has been an artist his entire life – a successful one, too. He started drawing in kindergarten and grew up to be a professional artist. He worked in the creative department of an advertising agency. A large agency with a big pension plan and rich (very rich) employee benefit package. Part of his employee benefit package was a short term disability policy, a long term disability policy and a long term care policy. He chose to enroll in all three (3) plans. One day he was involved in an auto accident that damaged his back and neck. After a long recuperation period, he did finally recover from this accident and could still live at home. Then the following year he had another accident - he fell off a two story deck at a friend’s home. This time his back and neck were damaged again along with his leg and several internal organs. Another long recuperation period. He now walks with a cane and has pain every single day. He just couldn’t totally recover and needs help with his day-to-day activities. From the day of his first accident, he filed a claim on his short term disability policy which provided him income for six (6) months. At the end of the six months, he filed a claim on his long term disability policy which provided him income until he was 65. When his disability policies ended, his long term care policy and pension plan started providing monies for his care. Kevin has been well taken care of and still enjoys drawing. I doubt if a nursing home was really in his plan but he planned just in case it was. Whether you plan as well as Kevin did or not, please share this story with children, family and friends. Then encourage them to plan like Kevin did. You could be involved in an accident at any time. I shared this story with Ruth today. In fact I shared Kevin’s story right after I attended a funeral for a young 55 year old woman. This woman was not ill and had no medical issues - she was found dead in her home by her husband. What a shock – no warning, no illness, it started like just another day. Eat dessert every day. Do something fun. Be happy. Do something you’ve always wanted to do. Then call me at 501-868-6650 and tell me about it – say “Caroline, can we talk? I want to tell you how much fun I had!”
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AuthorCaroline Beauchamp specializes in personalized life and health insurance solutions. Archives
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