{"id":9686,"date":"2019-07-11T19:02:19","date_gmt":"2019-07-11T19:02:19","guid":{"rendered":"http:\/\/www.salushomecare.com\/san-diego\/?p=9686"},"modified":"2020-08-20T21:10:05","modified_gmt":"2020-08-20T21:10:05","slug":"long-term-care-financial-planning","status":"publish","type":"post","link":"https:\/\/www.salushomecare.com\/san-diego\/blog\/long-term-care-financial-planning\/","title":{"rendered":"Long Term Care Financial Planning"},"content":{"rendered":"\n<p>Did you know that <a href=\"https:\/\/www.aarp.org\/content\/dam\/aarp\/ppi\/2017-01\/Fact%20Sheet%20Long-Term%20Support%20and%20Services.pdf\">52%\nof people over the age of 65<\/a> will need long term care at some point? <\/p>\n\n\n\n<p>If you plan to pay out of pocket for these expenses, average\nout of pocket spending could be as high as $140,000. To tackle these expenses\nwithout facing a financial crisis, it\u2019s important to have a plan. For some\nfamilies, long term care insurance is part of that plan. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What is Long Term Care Insurance<\/h2>\n\n\n\n<p>Long term care insurance is a policy that provides individuals with financial assistance in paying for professional services if they fall ill, experience a disability or otherwise need support with activities of daily living and medical care. While benefits can vary, most policies provide a set daily amount of coverage once a person is unable to perform two out of six activities of daily living independently. Some policies also include inflation riders so that the daily allowance increases over time to better keep pace with statewide and national cost of living standards. <\/p>\n\n\n\n<p>Long term care policies typically cover: <\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><a href=\"https:\/\/www.salushomecare.com\/san-diego\/home-care\/\">In Home Care<\/a><\/li><li>In Home Health Not Covered Under Medicare or Private Insurance<\/li><li>Home Modifications<\/li><li>Nursing Home Care<\/li><li>Assisted Living Facilities<\/li><li>Adult Daycare <\/li><\/ul>\n\n\n\n<p>Purchasing long term care insurance can provide a family\nwith peace of mind if a loved one is unable to safely remain at home without\nsupport or needs a higher level of care. However, these policies are often\ncostly. Typical long term care insurance costs often <a href=\"http:\/\/www.aaltci.org\/long-term-care-insurance-rates\/\">exceed $2,000 per\nyear<\/a>. There are some savings for couples when both purchase policies as\nwell as for individuals who purchase their policies at age 50. However,\nstatistically, <a href=\"http:\/\/www.aaltci.org\/long-term-care-insurance\/learning-center\/fast-facts.php\">89%\nof long term care claims<\/a> are filed after age 70, so some families find that\nit makes more sense financially to wait until the age of 60 to purchase a\npolicy even with the higher premiums. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Alternatives to Long Term Care Coverage<\/h2>\n\n\n\n<p>Long term care insurance premiums have steadily increased over the years, and the number of agencies providing long term care coverage has declined. For these reasons, many families are looking for alternatives to provide coverage for their own or a loved one&#8217;s current or future care needs. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Convalescent Insurance<\/h2>\n\n\n\n<p>Convalescent insurance offers short term coverage in the amount of $50 to $300 per day for a time span of up to one year. Families who choose this option might use it to supplement Medicare coverage for home health or rehabilitation after a hospital discharge. The premiums for a short term care policy are typically lower, and most policies offer immediate coverage upon approval. So, this option is ideal for patients who have been declined for long term care coverage, seniors over the age of 80 and families who are faced with a tighter budget but still want some financial protection. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Critical Care Coverage<\/h2>\n\n\n\n<p>Critical care or critical illness coverage offers a one-time\ncash payment typically ranging from $10,000 to $1,000,000 after a person\nreceives a qualifying diagnosis such as cancer, stroke or heart attack. These\npolicies also sometimes provide daily or monthly benefits for rehabilitation\nservices or continuing care. The downside of this coverage option is that it\nwill not apply to a previous diagnosis. A person must be free from the health\ncondition for which they\u2019ll receive coverage at the time that the policy is\npurchased. Coverage is also often only for a specific list of diagnoses or\nhealth conditions and typically does not include Alzheimer\u2019s or other forms of\ndementia. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Hybrid Life and Long Term Care Policies<\/h2>\n\n\n\n<p>Polices that combine life insurance with long term care\ncoverage are also becoming increasingly popular. This type of policy allows\npeople to access the death benefit that their beneficiaries would be paid out for\nhome care, short term rehabilitation, assisted living or nursing home care.\nEssentially, it makes it easier financially to meet their care needs while\nalive. The biggest benefit of this policy is that if funds aren\u2019t used for long\nterm care needs, then the death benefit is paid out after the covered person\npasses away. However, medical underwriting for these policies is strict, and\nthe premiums often have to be paid in one lump sum, up front. This can make\nthem a difficult option for many families to afford and in that way, a less\nattractive option than long term care insurance. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Health Savings Accounts<\/h2>\n\n\n\n<p>For those who plan far enough in advance for their long term\ncare needs, it\u2019s sometimes possible to take advantage of health savings accounts\n(HSA) through an employer. In 2019, the HSA contribution limits are $3,500 for\nan individual and $7,000 for a family plan. Money in an HSA rolls over from\nyear to year. A withdraw is tax-free as long as funds are used for a qualifying\nmedical expense. Long term care does count as a qualifying expense. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Personal Savings <\/h2>\n\n\n\n<p>Self-insuring is essential saving enough to cover the future\ncost for home care, home health or other long term care needs. For most\nfamilies, this involves planning ahead. Some seniors might use savings, while\nothers might dip into the equity in their home. A reverse mortgage is one way\nto do this. In some cases, adult children and other family members chip in to\nmake care more affordable. A portion of an investment fund might also be set\naside to pay for future long term care needs.<\/p>\n\n\n\n<p>If a family plans to use personal savings to pay for long term care, it is important to gather a basic estimate of what that care will cost. &nbsp;This can be challenging, but <a href=\"https:\/\/www.aarp.org\/caregiving\/financial-legal\/info-2017\/long-term-care-calculator.html\">tools<\/a> are offered that can help a person to calculate costs and make future estimates. Comparing options is also helpful such as analyzing the <a href=\"https:\/\/www.salushomecare.com\/san-diego\/blog\/choice-between-in-home-care-and-nursing-home\/\">difference in cost between an assisted living facility or in home care<\/a>. With in home care, many families find that managing costs is easier because they have more control over which services are provided and how many hours of care they request. Agencies like <a href=\"https:\/\/www.salushomecare.com\/san-diego\/\">Salus Homecare of San Diego<\/a> also offer a range of services so transitioning from home care to home health and palliative care or hospice care is easier as needs change or new challenges present. <\/p>\n\n\n\n<p>Perhaps the most important takeaway from this information is that it&#8217;s important to have a plan. This is true no matter if your goal is to age in place or transition to a facility at some point in life. Whether that plan includes some form of insurance or a roadmap toward achieving a personal savings balance, take time to consider what your future needs might be and how to protect yourself financially should the day come when you need a higher level of care. <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Did you know that 52% of people over the age of 65 will need long term care at some point? If you plan to pay out of pocket for these expenses, average out of pocket spending could be as high as $140,000. To tackle these expenses without facing a financial crisis, it\u2019s important to have <a class=\"font-bold ml-2\" href=\"https:\/\/www.salushomecare.com\/san-diego\/blog\/long-term-care-financial-planning\/\">Read More<\/a><\/p>\n","protected":false},"author":27,"featured_media":9688,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[66],"tags":[133,134,137,136,138,135],"class_list":["post-9686","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aging-in-place","tag-long-term-care","tag-long-term-care-needs","tag-paying-for-home-health","tag-paying-for-in-home-care","tag-paying-for-long-term-care","tag-senior-financial-planning"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Long Term Care Financial Planning - Salus Homecare San Diego<\/title>\n<meta name=\"description\" content=\"How can I financially plan and prepare for my long term care needs? Learn more about insurance options and personal savings plans with Salus Homecare.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.salushomecare.com\/san-diego\/blog\/long-term-care-financial-planning\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Long Term Care Financial Planning - Salus Homecare San Diego\" \/>\n<meta property=\"og:description\" content=\"How can I financially plan and prepare for my long term care needs? Learn more about insurance options and personal savings plans with Salus Homecare.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.salushomecare.com\/san-diego\/blog\/long-term-care-financial-planning\/\" \/>\n<meta property=\"og:site_name\" content=\"San Diego\" \/>\n<meta property=\"article:published_time\" content=\"2019-07-11T19:02:19+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2020-08-20T21:10:05+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.salushomecare.com\/app\/uploads\/sites\/4\/2019\/07\/elderly-woman-holding-chalkboard-with-text-long-term-picture-id1027719572.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"600\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Debbie Robson\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Debbie Robson\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.salushomecare.com\\\/san-diego\\\/blog\\\/long-term-care-financial-planning\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.salushomecare.com\\\/san-diego\\\/blog\\\/long-term-care-financial-planning\\\/\"},\"author\":{\"name\":\"Debbie Robson\",\"@id\":\"https:\\\/\\\/www.salushomecare.com\\\/san-diego\\\/#\\\/schema\\\/person\\\/bde675331df5e39e7074e90680fb82f4\"},\"headline\":\"Long Term Care Financial Planning\",\"datePublished\":\"2019-07-11T19:02:19+00:00\",\"dateModified\":\"2020-08-20T21:10:05+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.salushomecare.com\\\/san-diego\\\/blog\\\/long-term-care-financial-planning\\\/\"},\"wordCount\":1104,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/www.salushomecare.com\\\/san-diego\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.salushomecare.com\\\/san-diego\\\/blog\\\/long-term-care-financial-planning\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.salushomecare.com\\\/app\\\/uploads\\\/sites\\\/4\\\/2019\\\/07\\\/elderly-woman-holding-chalkboard-with-text-long-term-picture-id1027719572.jpg\",\"keywords\":[\"long term care\",\"long term care needs\",\"paying for home health\",\"paying for in home care\",\"paying for long term care\",\"senior financial planning\"],\"articleSection\":[\"Aging in Place\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.salushomecare.com\\\/san-diego\\\/blog\\\/long-term-care-financial-planning\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.salushomecare.com\\\/san-diego\\\/blog\\\/long-term-care-financial-planning\\\/\",\"url\":\"https:\\\/\\\/www.salushomecare.com\\\/san-diego\\\/blog\\\/long-term-care-financial-planning\\\/\",\"name\":\"Long Term Care Financial Planning - Salus Homecare San Diego\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.salushomecare.com\\\/san-diego\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.salushomecare.com\\\/san-diego\\\/blog\\\/long-term-care-financial-planning\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.salushomecare.com\\\/san-diego\\\/blog\\\/long-term-care-financial-planning\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.salushomecare.com\\\/app\\\/uploads\\\/sites\\\/4\\\/2019\\\/07\\\/elderly-woman-holding-chalkboard-with-text-long-term-picture-id1027719572.jpg\",\"datePublished\":\"2019-07-11T19:02:19+00:00\",\"dateModified\":\"2020-08-20T21:10:05+00:00\",\"description\":\"How can I financially plan and prepare for my long term care needs? Learn more about insurance options and personal savings plans with Salus Homecare.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.salushomecare.com\\\/san-diego\\\/blog\\\/long-term-care-financial-planning\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.salushomecare.com\\\/san-diego\\\/blog\\\/long-term-care-financial-planning\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.salushomecare.com\\\/san-diego\\\/blog\\\/long-term-care-financial-planning\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.salushomecare.com\\\/app\\\/uploads\\\/sites\\\/4\\\/2019\\\/07\\\/elderly-woman-holding-chalkboard-with-text-long-term-picture-id1027719572.jpg\",\"contentUrl\":\"https:\\\/\\\/www.salushomecare.com\\\/app\\\/uploads\\\/sites\\\/4\\\/2019\\\/07\\\/elderly-woman-holding-chalkboard-with-text-long-term-picture-id1027719572.jpg\",\"width\":1200,\"height\":600,\"caption\":\"Creating a financial plan to meet long term care needs\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.salushomecare.com\\\/san-diego\\\/blog\\\/long-term-care-financial-planning\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.salushomecare.com\\\/san-diego\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Long Term Care Financial Planning\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.salushomecare.com\\\/san-diego\\\/#website\",\"url\":\"https:\\\/\\\/www.salushomecare.com\\\/san-diego\\\/\",\"name\":\"San Diego\",\"description\":\"Just another salushomecare site\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.salushomecare.com\\\/san-diego\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.salushomecare.com\\\/san-diego\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.salushomecare.com\\\/san-diego\\\/#organization\",\"name\":\"Salus Homecare San Diego\",\"url\":\"https:\\\/\\\/www.salushomecare.com\\\/san-diego\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.salushomecare.com\\\/san-diego\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.salushomecare.com\\\/app\\\/uploads\\\/sites\\\/4\\\/2019\\\/04\\\/salus-homecare-logo.png\",\"contentUrl\":\"https:\\\/\\\/www.salushomecare.com\\\/app\\\/uploads\\\/sites\\\/4\\\/2019\\\/04\\\/salus-homecare-logo.png\",\"width\":250,\"height\":250,\"caption\":\"Salus Homecare San Diego\"},\"image\":{\"@id\":\"https:\\\/\\\/www.salushomecare.com\\\/san-diego\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.salushomecare.com\\\/san-diego\\\/#\\\/schema\\\/person\\\/bde675331df5e39e7074e90680fb82f4\",\"name\":\"Debbie Robson\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/fff939a3f62aed3f85bd0a779b8baa52745760e2778373ba47c266472d6f15c8?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/fff939a3f62aed3f85bd0a779b8baa52745760e2778373ba47c266472d6f15c8?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/fff939a3f62aed3f85bd0a779b8baa52745760e2778373ba47c266472d6f15c8?s=96&d=mm&r=g\",\"caption\":\"Debbie Robson\"},\"description\":\"Debbie Robson, RN, BSN, MBA-Healthcare Management is the Vice President of Home Health &amp; Hospice at Salus Homecare in Irvine, California. Debbie is a registered nurse who has spent her career in home based care including patient care, leadership, hospice consulting and executive roles. Since 2013, she has served on the Board of Directors for the California Hospice &amp; Palliative Care Organization (CHAPCA). Currently, Debbie serves as the co-chair for public policy and regulations with CHAPCA, advocating for policies that benefit hospice care patients and hospice care agencies. Under her direction and leadership, Debbie co-founded Salus Hospice in 2015 and leads the organization through continued Medicare licensure and Joint Commission Accreditation, actively working to maintain their high standards for patient care and excellence. In speaking about the value of hospice care and the hospice journey, Debbie states, \\\"Hospice is not about giving up hope, rather it\u2019s about redefining hope and living the best life possible for as long as you are able. At Salus Hospice we believe that life's final journey is deeply enriched by quality moments with loved ones and hospice professionals alongside.\\\" Debbie lives in Newport Beach with her husband and enjoys spending time with their family, dog Bailey, church friends and community. Debbie was inducted into the Daughters of the American Revolution (DAR) in 2019 and is enjoying the new friendships and service opportunities this has provided her with.\",\"sameAs\":[\"https:\\\/\\\/www.linkedin.com\\\/in\\\/debbie-robson-b144a0a6\\\/\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Long Term Care Financial Planning - Salus Homecare San Diego","description":"How can I financially plan and prepare for my long term care needs? Learn more about insurance options and personal savings plans with Salus Homecare.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.salushomecare.com\/san-diego\/blog\/long-term-care-financial-planning\/","og_locale":"en_US","og_type":"article","og_title":"Long Term Care Financial Planning - Salus Homecare San Diego","og_description":"How can I financially plan and prepare for my long term care needs? Learn more about insurance options and personal savings plans with Salus Homecare.","og_url":"https:\/\/www.salushomecare.com\/san-diego\/blog\/long-term-care-financial-planning\/","og_site_name":"San Diego","article_published_time":"2019-07-11T19:02:19+00:00","article_modified_time":"2020-08-20T21:10:05+00:00","og_image":[{"width":1200,"height":600,"url":"https:\/\/www.salushomecare.com\/app\/uploads\/sites\/4\/2019\/07\/elderly-woman-holding-chalkboard-with-text-long-term-picture-id1027719572.jpg","type":"image\/jpeg"}],"author":"Debbie Robson","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Debbie Robson","Est. reading time":"5 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.salushomecare.com\/san-diego\/blog\/long-term-care-financial-planning\/#article","isPartOf":{"@id":"https:\/\/www.salushomecare.com\/san-diego\/blog\/long-term-care-financial-planning\/"},"author":{"name":"Debbie Robson","@id":"https:\/\/www.salushomecare.com\/san-diego\/#\/schema\/person\/bde675331df5e39e7074e90680fb82f4"},"headline":"Long Term Care Financial Planning","datePublished":"2019-07-11T19:02:19+00:00","dateModified":"2020-08-20T21:10:05+00:00","mainEntityOfPage":{"@id":"https:\/\/www.salushomecare.com\/san-diego\/blog\/long-term-care-financial-planning\/"},"wordCount":1104,"commentCount":0,"publisher":{"@id":"https:\/\/www.salushomecare.com\/san-diego\/#organization"},"image":{"@id":"https:\/\/www.salushomecare.com\/san-diego\/blog\/long-term-care-financial-planning\/#primaryimage"},"thumbnailUrl":"https:\/\/www.salushomecare.com\/app\/uploads\/sites\/4\/2019\/07\/elderly-woman-holding-chalkboard-with-text-long-term-picture-id1027719572.jpg","keywords":["long term care","long term care needs","paying for home health","paying for in home care","paying for long term care","senior financial planning"],"articleSection":["Aging in Place"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.salushomecare.com\/san-diego\/blog\/long-term-care-financial-planning\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.salushomecare.com\/san-diego\/blog\/long-term-care-financial-planning\/","url":"https:\/\/www.salushomecare.com\/san-diego\/blog\/long-term-care-financial-planning\/","name":"Long Term Care Financial Planning - Salus Homecare San Diego","isPartOf":{"@id":"https:\/\/www.salushomecare.com\/san-diego\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.salushomecare.com\/san-diego\/blog\/long-term-care-financial-planning\/#primaryimage"},"image":{"@id":"https:\/\/www.salushomecare.com\/san-diego\/blog\/long-term-care-financial-planning\/#primaryimage"},"thumbnailUrl":"https:\/\/www.salushomecare.com\/app\/uploads\/sites\/4\/2019\/07\/elderly-woman-holding-chalkboard-with-text-long-term-picture-id1027719572.jpg","datePublished":"2019-07-11T19:02:19+00:00","dateModified":"2020-08-20T21:10:05+00:00","description":"How can I financially plan and prepare for my long term care needs? Learn more about insurance options and personal savings plans with Salus Homecare.","breadcrumb":{"@id":"https:\/\/www.salushomecare.com\/san-diego\/blog\/long-term-care-financial-planning\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.salushomecare.com\/san-diego\/blog\/long-term-care-financial-planning\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.salushomecare.com\/san-diego\/blog\/long-term-care-financial-planning\/#primaryimage","url":"https:\/\/www.salushomecare.com\/app\/uploads\/sites\/4\/2019\/07\/elderly-woman-holding-chalkboard-with-text-long-term-picture-id1027719572.jpg","contentUrl":"https:\/\/www.salushomecare.com\/app\/uploads\/sites\/4\/2019\/07\/elderly-woman-holding-chalkboard-with-text-long-term-picture-id1027719572.jpg","width":1200,"height":600,"caption":"Creating a financial plan to meet long term care needs"},{"@type":"BreadcrumbList","@id":"https:\/\/www.salushomecare.com\/san-diego\/blog\/long-term-care-financial-planning\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.salushomecare.com\/san-diego\/"},{"@type":"ListItem","position":2,"name":"Long Term Care Financial Planning"}]},{"@type":"WebSite","@id":"https:\/\/www.salushomecare.com\/san-diego\/#website","url":"https:\/\/www.salushomecare.com\/san-diego\/","name":"San Diego","description":"Just another salushomecare site","publisher":{"@id":"https:\/\/www.salushomecare.com\/san-diego\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.salushomecare.com\/san-diego\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.salushomecare.com\/san-diego\/#organization","name":"Salus Homecare San Diego","url":"https:\/\/www.salushomecare.com\/san-diego\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.salushomecare.com\/san-diego\/#\/schema\/logo\/image\/","url":"https:\/\/www.salushomecare.com\/app\/uploads\/sites\/4\/2019\/04\/salus-homecare-logo.png","contentUrl":"https:\/\/www.salushomecare.com\/app\/uploads\/sites\/4\/2019\/04\/salus-homecare-logo.png","width":250,"height":250,"caption":"Salus Homecare San Diego"},"image":{"@id":"https:\/\/www.salushomecare.com\/san-diego\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.salushomecare.com\/san-diego\/#\/schema\/person\/bde675331df5e39e7074e90680fb82f4","name":"Debbie Robson","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/fff939a3f62aed3f85bd0a779b8baa52745760e2778373ba47c266472d6f15c8?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/fff939a3f62aed3f85bd0a779b8baa52745760e2778373ba47c266472d6f15c8?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/fff939a3f62aed3f85bd0a779b8baa52745760e2778373ba47c266472d6f15c8?s=96&d=mm&r=g","caption":"Debbie Robson"},"description":"Debbie Robson, RN, BSN, MBA-Healthcare Management is the Vice President of Home Health &amp; Hospice at Salus Homecare in Irvine, California. Debbie is a registered nurse who has spent her career in home based care including patient care, leadership, hospice consulting and executive roles. Since 2013, she has served on the Board of Directors for the California Hospice &amp; Palliative Care Organization (CHAPCA). Currently, Debbie serves as the co-chair for public policy and regulations with CHAPCA, advocating for policies that benefit hospice care patients and hospice care agencies. Under her direction and leadership, Debbie co-founded Salus Hospice in 2015 and leads the organization through continued Medicare licensure and Joint Commission Accreditation, actively working to maintain their high standards for patient care and excellence. In speaking about the value of hospice care and the hospice journey, Debbie states, \"Hospice is not about giving up hope, rather it\u2019s about redefining hope and living the best life possible for as long as you are able. At Salus Hospice we believe that life's final journey is deeply enriched by quality moments with loved ones and hospice professionals alongside.\" Debbie lives in Newport Beach with her husband and enjoys spending time with their family, dog Bailey, church friends and community. Debbie was inducted into the Daughters of the American Revolution (DAR) in 2019 and is enjoying the new friendships and service opportunities this has provided her with.","sameAs":["https:\/\/www.linkedin.com\/in\/debbie-robson-b144a0a6\/"]}]}},"_links":{"self":[{"href":"https:\/\/www.salushomecare.com\/san-diego\/wp-json\/wp\/v2\/posts\/9686","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.salushomecare.com\/san-diego\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.salushomecare.com\/san-diego\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.salushomecare.com\/san-diego\/wp-json\/wp\/v2\/users\/27"}],"replies":[{"embeddable":true,"href":"https:\/\/www.salushomecare.com\/san-diego\/wp-json\/wp\/v2\/comments?post=9686"}],"version-history":[{"count":6,"href":"https:\/\/www.salushomecare.com\/san-diego\/wp-json\/wp\/v2\/posts\/9686\/revisions"}],"predecessor-version":[{"id":9693,"href":"https:\/\/www.salushomecare.com\/san-diego\/wp-json\/wp\/v2\/posts\/9686\/revisions\/9693"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.salushomecare.com\/san-diego\/wp-json\/wp\/v2\/media\/9688"}],"wp:attachment":[{"href":"https:\/\/www.salushomecare.com\/san-diego\/wp-json\/wp\/v2\/media?parent=9686"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.salushomecare.com\/san-diego\/wp-json\/wp\/v2\/categories?post=9686"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.salushomecare.com\/san-diego\/wp-json\/wp\/v2\/tags?post=9686"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}