Starting Essential Conversations: Talking with Aging Loved Ones About Long Term Care

Introduction

Initiating a conversation with aging loved ones about long-term care can be challenging, but it's vital for ensuring clarity and peace of mind. According to Genworth, 7 out of 10 individuals over the age of 65 will require long-term care at some point in their lives. Proactively discussing this topic can help families avoid financial strain and emotional stress.

Key Conversation Starters

1. Discuss Lifestyle and Future Needs

Understand your loved one’s expectations about their daily life and how they envision aging. This helps align planning with their wishes.

2. Legal Preparations

Ensure important legal documents like wills, powers of attorney, and healthcare directives are in place and updated.

3. Financial Considerations

Discuss current income sources and whether funds are available or need to be redirected for future care.

4. Medical Care Coordination

Keep medical histories and provider contacts up to date. Discuss care preferences and possible healthcare providers for the future.

5. Care Options and Preferences

Explore your loved one's preferred setting for care and ensure plans are made to support their desires.

Do’s and Don’ts of the Conversation

• Do:

  • Allow plenty of time

  • Be patient

  • Listen carefully

  • Have in-person conversations

  • Account for follow-up conversations

• Don’t:

  • Rush decisions

  • Overwhelm with details and statistics

  • Make too many plans ahead of time

  • Jump to decisions ahead of time

  • Have conversations during tense moments

  • Force decisions immediately

These initial conversations help create a roadmap for future care needs, alleviating anxiety and promoting well-being for everyone involved.