"I’m Never Going To Need Care!"

People who fall into this category state emphatically “I’m never going to need care! I’m the picture of health. I golf, play tennis, swim, jog, run the marathon in New York, Boston and Kenya (annually). Ironically, those who take care of themselves the best may need long term care the most, because they won’t die suddenly of a massive heart attack.

While many people perceive the risk of needing long term care to be less than 25%, the actual risk for needing care (either home care or nursing home care) is over 50% according to a 1994-1995 profile by the health insurance association of America/Life Plans, Inc. For many people it won’t be nursing home care they need as much as in-home care. However, in-home care in New Jersey can cost almost as much as assisted living.