The costs for these policies are rising faster than inflation too. Therein lies the conundrum for Boomers and Seniors: They're living longer than their parents did and that means they need more money to make it through "old age". Finding long-term care is a tough and complicated process. You'll need to find a place that cares for people with your (or your loved one's) circumstances. You need to find a place with the right facilities and staff, a place that leaves you with a good, safe feeling. And you have to be able to afford it too. This is not any sort of one-size-fits-all situation. Everyone has their own specific services and conditions that they or their loved ones will need met. Remember, what we call "long-term care" is a broad category, with options ranging from live-in facilities to your own home.
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The greatest threat to the financial security of Boomers and Seniors is the cost of long-term care (and Obamacare will not assist with this). Assisted-living facilities are now climbing toward the $7,500-a-month mark and a private room at a nursing home will range from $500 - $600 a day.
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