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Long-Term Care: The Next Big Women's Issue?
Date:7/16/2009

KIRKLAND, Wash., July 16 /PRNewswire/ -- Long-term care is getting a lot of exposure in the current health-reform discussions, but we ain't seen nothin' yet, according to Denise Gott, Chairman of the Board of LTC Financial Partners LLC (LTCFP) -- http://www.ltcfp.com -- one of the nation's largest and most experienced long-term care insurance agencies. "Wait until the most-affected individuals get wind of what's in store for them; all hell could break loose," she says.

*(PHOTO 72dpi: www.Send2Press.com/mediaboom/09-0609-DeniseGott_72dpi.jpg)

*(Photo Caption: LTC Financial Board Chairman Denise Gott)

And who are those individuals? The millions who succumb to longer-lasting illnesses and injuries, requiring help with eating, toileting, dressing or moving around?

"No," says Gott. "It's the women who end up caring for them. They're the ones suddenly forced to provide 24/7 assistance to their husband, parent or other loved one who can't function on their own anymore." A majority of women will eventually need long-term care themselves, "but they tend to live longer than men, and social norms still consign females to the care giving role. So they're the ones who have to sacrifice their futures when they're still relatively young and fit, with years of productive, enjoyable life still to live."

Long-term care insurance would free women from this forced care giving, since it provides funds for professional nursing home or in-home care, "but the vast majority of women have no long-term care buffer. No policy for their husband or mother or father, let alone for themselves." Ordinary health insurance doesn't cover long-term care, nor does Medicare. Medicaid does, but only for the less affluent who lack assets.


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SOURCE LTC Financial Partners LLC
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