In Texas, long term care facilities are regularly being monitored by the Texas Long Term Care Ombudsman to ensure that elderly and disabled Texans are receiving the quality of care that they ought to receive.

Texas may not be among the states with the highest long term care (LTC) costs but its population aged 60 and older is growing fast and many of them are expected to live into their 80s; and some could develop chronic health conditions along the way.

For that reason, everyone in the state is encouraged to work out a rational LTC plan otherwise middle-class Texans will end up with Medicaid and this means only one thing – more assets or properties are going to estate recovery.

To protect whatever it is that they intend to pass on to their loved ones, residents are advised to plan their future wisely. In-home care is strongly encouraged by the state as it is aware that many Texans prefer to receive care in the comfort of their own homes for as long as possible. Elder care specialists believe that every individual has to go through the LTC journey in a manner that he is most comfortable for this is the best way to ensure his happiness, independence and enthusiasm for life.

However, to be able to receive quality in-home care a person has to be financially ready. It is not right and it is absolutely unfair to think that family members will be around 24 hours to provide all of his needs because they have their own lives to plan and dreams to pursue.

If providing care is not a tough occupation there would be no assisted living facilities, nursing homes, home health care agencies, and other LTC settings. Everybody would just be so happy to leave their jobs to take turns in providing care or assistance to an infirm, disabled or chronically ill loved one.

How to Plan Texas Long Term Care

Two very important things greatly affect people’s LTC plans. The first is their health while the cost of care is the second.

According to LTC specialists, everyone should start planning his future health care needs before he reaches the age of retirement. This is especially true if one intends to purchase a long term care insurance (LTCI) policy because insurance companies are very particular about the health condition of LTCI applicants. The slightest sign of unhealthiness turns them off instantly.

Nobody can easily predict what he will require healthcare-wise unless he was born with a congenital disease. That said, it is everybody’s responsibility to monitor his health so that he can easily identify the level of care that he may potentially require in the future.

Aside from his health, he also has to keep up on the cost of care as it never ceases to go up. In fact, it is expected to double 13 years from now so expect a nursing home that currently charges a daily rate of $169 to subject its residents to $338 beginning 2025.

Five years after the doubling of LTC costs, these are expected to quadruple. When that time comes, it would be impossible for average Americans to pay their LTC expenses with their personal money.

Texas long term care is not something to be taken lightly. Many families have been subjected to the unreasonable cost of care which eventually took their homes and other properties. The younger generation can change their fate if they do something worthwhile.

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