It's CAREGIVING for a loved one.  I'm not sharing this just because we're in the last few days of LTC Awareness Month.  I'm writing about this because the issue of Long-Term Care is real, it's growing and has been on my mind in the days leading up to Thanksgiving. I have a lot to be thankful for, but this has been a tough year for the Cain family. About 6 months ago, my 75 year-old mother had open heart surgery (and complications) and a few days after her discharge from the hospital, my father suffered a massive stroke and passed away. You're never fully prepared emotionally to deal with these things, but we weren't prepared financially and from a healthcare planning perspective either. We were thrust into being caregivers...and it's hard! Mom moved in with us for a few months and we instantly became part of the Sandwich Generation.  You've heard it all before...and everything they say about being a caregiver is correct, so I won't bother sharing our challenges.  Here's what I will do -- I'll implore you to talk to loved ones about Long-Term Care Planning BEFORE something happens. 

Group long-term care insurance can help protect our lifestyles and retirement income. It can help employers address issues like absenteeism, presenteeism and be part of financial wellness strategies. We're on a mission to educate employee benefits brokers, employers & employees about this important retirement planning issue 365 days/year...not just during LTC Awareness Month.

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