Having Dad move in dramatically changed my family's day-to-day life. Dealing with his health needs and the financial implications of cutting back my work hours is very stressful for me; my family is financially suffering as a result. I would feel terrible if I was ever responsible for putting my children through this kind of stress.
Help me prepare so I can preserve the assets and income of my loved ones.
Watching Mom struggle to care for Dad right now is really hard. Some days, Mom's so emotionally and physically drained, my husband, Jim, and I have to step in to give her a break. I don't want this to happen to me if or when Jim gets ill. What can we do to ensure we won't cause undue stress for each other or our kids in the future?
Help me protect the physical and emotional well-being of my family and our caregivers.
Uprooting my mother from the home she raised our family in was probably the most emotionally draining thing either of us have ever experienced. But she needed care and her plan would only cover care in a long-term care facility. I want to make sure I can receive the care I need where I am most comfortable.
Help me find the long-term care coverage that will provide care in ways that will best suit my needs.
After Dad became ill, the constant discussions and arguments about how to fairly divide care and resources tore my siblings and me apart. We each think the other isn't doing enough; the blame and shame is unbearable. If my lack of proper planning caused my children to argue, I would never forgive myself.
Help me remove undue emotional and financial strain for my family of caregivers.
Dad always said there'd be money for the boys' college. I guess he didn't know his long-term care was going to eat it all up. Now I'm concerned there's not even enough money left for Mom to live out the rest of her life comfortably.
Help me prepare so I don't leave undue financial stress on my spouse and/or children.