Preserve Your Independence


We all tend to take our independence for granted. We take for granted our ability to make decisions just for us, to spend our money how we want, to go where we want, and do what we want. We take it all for granted until, for whatever reason, it’s gone. I have a relative that is in this position right now.

At the relatively young age of sixty, she now has to move in with family. While she’s obviously still a free person, she no longer has her own home. She will no longer get to make decisions herself; everything will have to be done according to the rules and norms of her family’s house. Everything from decor to what’s for dinner is no longer her decision (or at least


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2 Responses to Preserve Your Independence

  1. Gailete says:

    Part of remaining independent as long as possible also concerns where you live. We live in a house my husband built. When we ralized that I had a chronic health problem that wasn’t going to go away, both bathrooms became handicap accessible with roll in showers, we got a chair that climbs the stairs so I can use both levels of our house and when setting up the kitchen which has two islands, we made sure that a wheelchair could fit through and that there was plenty of turning room in the kitchen. Any of those items being ignored would mean tht somewhere along the way, I wouldn’t be able to live in the house or at least not comfortably.

  2. Dee in RI says:

    Long term care insurance is just as important as a retirement fund. Medicare only covers 20 days of skilled nursing home care, and you must exhaust ALL your assets before the state will pay for a permanent placement. At over $3,000 a month, you go broke really fast. The same goes for assisted living placement.
    You are left with $50.00 a month to spend at your discretion, and that’s all you have to buy clothes and sundries for the rest of your life. 50 dollars a month. With long term care insurance, you can keep the loss of independence at bay for a few more years.

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