The Political Courage We Need

In challenging times, personal responsibility and political courage can prevent a catastrophe. What challenges are we facing?

The population of people over the age of 65 is swelling. It is very likely that older adults will need long-term care. Long-term care is expensive and generally not covered by Medicare. So the hard-working Middle Class faces a financial disaster if a member of the household has a stroke, dementia, or any number of mobility-limiting conditions.

Medicaid is the social safety net, but few people understand its rules. People lose their homes to Medicaid estate recovery, a program that further sets the Middle Class back from forward progress while doing little to recoup costs for the government. If the depressing statistics are accurate, most people do no estate planning, let alone the kind of planning that protects the hard-earned savings of the Middle Class from long-term care costs.

Until the political class demonstrates some courage and creativity, this is the system we have. So personal responsibility becomes essential. Challenging times are upon us. Build a shield with good planning.

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