Chipman Mazzucco Emerson LLC

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Chronic conditions call for specific estate planning practices

The number of Americans who have chronic illnesses is on the rise and is expected to increase from more than 130 million to roughly 157 million by the year 2020. Approximately 25% of people from 65 to 74 years old in Connecticut and across the country have been impacted by chronic diseases. The percentage of people who are affected by chronic conditions increases sharply as people get older. The presence of a chronic illness in a person's life can complicate estate planning and should be addressed in planning documents.

Planning for long-term care

Even though many people in Connecticut believe that they will never need long-term care, the issue is more prevalent now than ever before given how health care costs have been going up lately. And, as touchy as the subject may be, people need to prepare for it beforehand so that when the time comes they are financially and emotionally ready.

Long-term care planning options

Connecticut residents should be thinking about future long-term care needs and how to pay for them today. Roughly 70 percent of those who are age 65 or older will need long-term care at some point. While a person has the option of paying for the associated costs of such care on his or her own, that may not be practical. The median cost for a private room in a nursing home is $97,455 per year.

Your rights as a nursing home resident

You may be like numerous other Connecticut residents who decided that moving into a nursing home was the best option for you. You may only need some extra help due to a physical limitation, and you don't feel comfortable living on your own any longer. Maybe you don't want your children to put their lives on hold to help you out, and you want to be with people your own age.

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