What are some of the costs? The average female caregiver is
married and employed*. One can immediately begin to visualize the strain on this
Signs of caregiver stress**:
Denial about the disease and its effect on the person cared for
Withdrawal from friends and family
Feels tired and overwhelmed
Begins to have an inability to concentrate
Develops physical ailments such as blurred vision, stomach irritation and high blood
Feels depressed and unable to cope
Becomes anxious about the future
There is also evidence pointing to further decline in family relationships.
For example, the care-giving spouse often begins to neglect the other spouse
because of loss of energy; marital bonds begins to unravel. Whether the patient is Mom, Dad, or an
adult child, they soon and simply become just a patient.
Lastly, the added financial burden can take away those resources needed for the family's
Can this downward spiral be prevented? Yes, definitely! That's what Long-Term Care planning is for!
But as with most insurance, you need to prepare in advance.
Once long-term care is needed, you can't get Long-Term Care
*Health and Human Services Administration on Aging Statistics
**Genworth Financial's "Momentum", Issue 1.