The need for long term care insurance has increased commensurately over the past couple of decades. Seniors are at particular risk for certain conditions that could land them in long term care. Below are some of the reasons this could happen to you or a loved one.

3 Reasons Seniors Might Require Long Term Care

1. Cognitive Impairment

One of the common issues seniors face that leads to the need for long term care is impairment of their mental faculties. It manifests in memory loss, impaired judgment, unexpected mood swings, and a general inability to care for themselves. Common causes include the side effects of medication, endocrine or metabolic problems, depression, dementia, and Alzheimer's disease. People most at risk for cognitive impairment are those over age 65, people with hypertension or diabetes, or those with a family history of Alzheimer's or dementia.

2.  Mobility Problems

Seniors who face mobility issues often require a stay in an extended care facility because they cannot get around as they should. This often occurs due to obesity, poor balance, or low physical activity. However, it can also occur simultaneously with other chronic diseases, including diabetic neuropathy and arthritis.

3. Recovery from Illness or Surgery

The fact is that seniors just don't heal as quickly as they once did. Their bones are more brittle, and the skin loses much of its elasticity as we age. The pain of recovery from surgery or serious illness can last for extended periods and require professional medical and/or personal care. Because it's impossible to completely guard against injury or illness, it makes sense for seniors to purchase long term care insurance so they can get the help they need if misfortune should strike. 

If you seek long term care insurance to guard against any of the issues listed above, contact Robert Rung Insurance in Lincoln, NE. They have served clients in and around Lancaster County since 1973 and are one of the premier insurance agencies in Southeast Nebraska. In addition to long term care insurance, they also carry disability, accident, property, and life insurance. Call them at (402) 483-2279 to have an agent help you design a policy or message them online at their website.