Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Sep 15, 2020

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Purchasing long term care insurance is more than a financial plan. It is a statement of intent. It says that we have thought this through and prepaid (insured) the major share of the cost. Too many people with an abundance of assets refuse to divert their wealth from their beneficiaries to a facility or to home care professionals. So they wait until they begin to lose dignity, or they begin to feel like a burden to others. Clearly, adequate insurance allows a person to obtain professional services or go into a professional facility with financial impact being of only secondary significance. Similarly, planning for possible long term care costs frees family members from the potential feeling of guilt for not taking personal care of the individual, even when not trained or qualified to do so.