“Health is a state of complete physical, mental and social well-being, and not merely the absence of disease or infirmity.”
When I woke up, I was in the back of an ambulance being sped to Cornwall to a trauma center. I didn’t really remember much of what had happened or how I got there. I was playing on my intramural team handball team as a goalkeeper. Apparently, there was a long, high ball. I jumped up to get it, and the other guy went under me, flipping me upside down. I landed on my head. But, by gosh, I held onto the ball and nobody scored! However, I had a pretty serious concussion and was only a sliver away from having broken my neck. For the next couple of days, I’d drift in and out of consciousness, asking what had happened and conveniently forgetting it as soon as they told me the answer.
The next year, I took up boxing instead.
I really don’t know how close I was to being disabled. I’d had a nasty, brutal fall and landed square on my head. See, being hard-headed paid off! Since I was a cadet at West Point, and technically in the Army, I imagine that I would have been taken care of, but I really don’t know. What I do know is that I wasn’t that far away from having needed long-term care for the rest of my life…as a 20 year old.
It’s something that none of us want to think about – the idea that there may come a time when we’re no longer self-sufficient. However, if we let Monkey Brain take over and dig our heads in the sand, if something happens, then we face the possibility of draining a significant portion or all of our assets.
For women, this is a particularly salient issue. Women live longer than men, which means that if the husband requires significant care and passes, it could drain the joint accounts and leave the woman with few assets at a time when she can no longer earn money because of advanced age.
This is important. If you’re in your 40s or older, look into long-term care insurance.
Don’t know what to look for? Confused by insurance salesperson speak and chart porn? Here are some things to consider when looking at a long-term care policy: