7.8 Million professional caregivers needed in next 25 years!
Preparing For Tomorrow podcast
Release Date: 02/05/2026
Guest Interview: Esther Greenhouse, environmental gerontologist, control how you age
Preparing For Tomorrow podcast
Esther Greenhouse is an environmental gerontologist and longevity strategist who helps people stay independent as they age - physically and financially. As president of Silver to Gold Strategies, she advises financial and long-term care propgrams on reducing preventable caregiving needs and costs. Her Enabling Design Method has shaped national age-friendly initiatives and helped her own mother age in place for 7 extra years, saving an estimated $500,000 to $1.5 million and preserving dignity and choice. Esther lives in Chapel Hill, North Carolina. I learn so much from Esther...
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What is a biomarker? Why should I care?
Preparing For Tomorrow podcast
The Alzheimer's Association released a Special Report that updates dementia and dementia care information. I have on;y read about 1/3 of the info so far, so I expect I'll have a lot more to share over the nexrt several weeks. The industry is getting better at discovering, diagnosing, and managing dementia. I tried to get a link to the report, but I can't find it. The title is "2026 Alzheimer's Disease Facts and Figures". There is a ton of info at the Alzheimer's Association website website Check out the "About" and 'Research" tabs, and then schedule with me to protect your...
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It's either your plan or someone else's plan for you
Preparing For Tomorrow podcast
We need to decide if we're going to make our own care decisions when we can no longer live alone or independantly. Or are we going to leave those decisions to a governement employee who must follow whatever the current government decides is approved for your care. Medicaid is being gutted, so please don't believe that you can rely on that at your most critial time in life. Please check out the links below and then schedule with me to start designing your plan so you can be prepared for whatever tomorrow brings your way. Kaiser Family Foundation 10 things about Medicaid long term care services...
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We don't know what it feels like to be old
Preparing For Tomorrow podcast
Professionals in geriatrics and gerontology define "elderly" and "advanced age" as 65 and older and those with chronic needs. It's hard to believe I'm almost elderly?!? The fact that there are professional specialties and new Ai tools, websites, apps and software programs focusing on this enormous age group should indicate to us younger than 60 to prepare for those days ahead of us. There are people and tools available to help as we age, and we should never be embarrassed to ask for help when we need it. Here are several helpful links you can use: America Association for LTC Insurance Phyllis...
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Saving $26,850 in premiums over 5 years? LTC Specialists matter
Preparing For Tomorrow podcast
A client with whom I've maintained a relationship for over a decade was almost talked into buying a new LTC plan earlier this year. I'm glad she called me to ask for help! I researched her risk and offered a very similar plan with significantly lower rates. Research is the key to finding the best plans for your family. When you are offered a quote for LTC insurance, ask the person quoting you how many companies they represent and how many LTC applications they submit on average each year. LTC planning is too important to leave to amatures! View current and projected costs of care where...
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I should have done this when I first thought of it
Preparing For Tomorrow podcast
Don't let your 50 year old kids regret not having planned for future extended care needs when they first thought of it. A first question I ask when meeting with someone is "What made you decide to look into LTC planning now?" Far too many reply with some form of having thought about this years ago, but for whatever reason they came up with, they decided to wait. Now, the plans we're considering cost a lot more at 70 than they did at 50. Or maybe they can't health qualify for the plan they want. You must encourage your 40, 50 and 60 year old children to plan now, while they can be...
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He fell and he couldn't get up
Preparing For Tomorrow podcast
This week, I'm sharing a story of what happened when I was walking my dog on Saturday. This can happen to anyone. We don't have to be old or sick to have an accident. So many people wait to buy LTC insurance because it's for old people, but 1/3 of people receiving care today are under age 65. And we need to be healthy enough to qualify for coverage. If we wait until after an accident, or a diagnosis, or a medicine that insurance companies won't accept, our options narrow or disappear. Also, we need to encourage our older family members to not be afraid to tell on...
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48% increase in cost of care from 2019-2024
Preparing For Tomorrow podcast
According to an AARP report, the Department of Health and Human Services reported a 48% increase in cost for home care and assisted living from 2019-2024, while median household income for families 65 and older rose only 22%. That's an average 8% annual increase! And people doubt when we use 5% annual increases to project future needs.... View a summary of the report See what current and projected cost of care where you live at Then schedule with me to learn how you can protect your family, assets and choices
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Don't let them scam you or your parents
Preparing For Tomorrow podcast
This week, I received a very disturbing call, and this was soon after I met a man whose job is to protect people (mostly seniors) from scams. I'm so glad that a woman reached out to me for guidance before spending over half of her mom's little bit of savings she needed for her care. Listen and learn, then schedule time with me to prepare for your tomorrow. When we're prepared, we're less likely to be tricked. The 2025 Cost of Care report is available so you can see both 2025 costs and projected costs of care where you live. Check it out BTW, home care costs increased by 13% across the country...
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We need to plan like the sun will come up tomorrow morning
Preparing For Tomorrow podcast
We need to believe that we're going to get through these world events that are being thrown at us every day. We have to believe that we're going to live a long life. When we live a long life, we get old, and when we get old we need help. The massage today is short, and I hope it encourages each of you to continue planning to protect those you care about most. The new 2025 Cost of Care updates were released thjis week and you can see current nd projectewd costs where you live We're seeing a 13% increase in home care costs across the country. If we want o stay home when we need help...
info_outlineProviding care for a very sick, injured or elderly family member is hard! Especially without help.
There are currently over 50 million family caregivers sacrificing their time, family, health and future to provide that care.
LTC insurance is not designed to replace you; it's there to help you be able to help without hurting yourself or getting overwhelmed from doing it alone.
Who is going to pay for those 7.8 million licensed care providers as the Baby Boomer generation reaches 80 this year and continues to age?
It's either us, our family, or the government.
Part of "us" is LTC insurance - so we won't force our famly members to exhaust themselves.
You can view current (2024) and estimate future cost of care where you live here
I recommend you use 5% COLA and not the 3% that defaults when you open the page.
I said I would add a link to the site that discusses LTC reform and how Medicaid impacts the entire industry, but the link is not active today. I have LTC Bullets emailed to me weekly. Hopefully, it's up and running again soon. The link is here for when it is online again
Schedule a meeting with me here