My dying wish is not to leave behind any burdens for anyone to deal with. Leaving the benefits, not the burdens is my motto.

As the aging process takes place it becomes more apparent that all the “T’s get crossed and paperwork signed.

We are living longer with medical conditions that require help of some sort. We need to be ready for the unfortunate medical events, death or living longer and needing care.

Not wanting to burden family members with the financial task there are insurances that you can purchase. Better to have everything prepared ahead of time.

There are many insurance policies that are geared towards long living with medical conditions like Alzheimer’s, dementia ALS or any other debilitating illness.

Long-Term Care Insurance Vs. Assisted Living Insurance these are 2 very different insurance plans.

Long-term care insurance is a policy designed to cover at least some of your expenses if you have a chronic but not life-threatening illness, long-term disability, or you are unable to live independently because you can’t perform a number of the activities of daily living. Those activities typically include bathing, dressing, feeding yourself, taking medication, using the bathroom, and being able to move from a sitting to a standing position. Most contracts also cover cognitive impairments, such as Alzheimer’s disease. Under the terms of most long-term care contracts, you can be cared for in a nursing home or at home. The insurance pays for custodial rather than skilled care, which must be provided by licensed professionals. Skilled care is covered in part by Medicare and Medigap.

Assisted living is a type of housing that seniors move into when they are fairly healthy but need a bit of extra help, says Colleen Dennis, case management team manager with Genworth Insurance. “They typically provide room and board, meals and some level of nursing oversight.

The type of facility will depend on the level of care needed. Plan pricing will depend on which type of facility you will be able to qualify for.

Final Expense Insurance is designed to cover the bills that your loved ones will face after your death. These costs will include medical bills and funeral expenses. … Final expense insurance is also known as burial insurance.

Life Insurance is another type. There are two basic types: term and permanent. Term insurance is less expensive and has a set timeframe. Permanent life insurance lasts your entire lifetime (assuming you continue to pay the premiums) and is divided into two sub-types: whole life and universal life. Picking which type is best for your family depends on several factors, including your budget and how the funds are accessed.

While permanent life insurance is generally more expensive than term life insurance, permanent policies can guarantee there is money for your kids and possibly your grandchildren. Benefit amounts range from $50,000 to more than $1 million and are paid even if you live past 100. A term life insurance policy, by comparison, covers you for a set amount of time.

There are many agencies to choose from. Just check the reputation of the insurance company. There are about 5 top insurance companies with excellent reputations.

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