A broken hip, a sudden stroke, memory loss—none of us like to think of a future in which we’re laid up or need long-term care, but sticking our heads in the sand won’t pay the whopping bills. According to the US Department of Health and Human Services, if you turn 65 today, there’s a 75 percent chance you’ll need long-term care at some point in your life.
“As hard as it is, this is part of a conversation we have every day with our clients,” says Claudia Rodriguez, a financial adviser with Edward Jones in Traverse City. “It’s a conversation ideally to have in your 40s into the 50s.” Why so soon? Because one of the most common methods of funding, long-term care insurance, looks at issues of insurability just like health and life insurance would. And, as Rodriguez points out, “we are all just one doctor’s appointment away from a diagnosis that can render us uninsurable.”
Rodriguez notes, however, that long-term care insurance is just one of three major options you should have on your radar.
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SWEET ON THE BETSIE
JENA MATZEN AND GREGG TRAHEY WEREN’T LOOKING FOR A BIG HOME UP NORTH. BUT THEY DID WANT STYLE.
REFRESH IN BLUE AND WHITE
ASKED TO MOVE A HARBOR SPRINGS HOME FROM TRADITIONAL TO TRANSITIONAL STYLE, INTERIOR DESIGNER GEMMA PARKER BUILT ON THE FRESH, TIMELESS ALLURE OF BLUE AND WHITE.
Explore Emmet and Cheboygan counties by foot, bike or hoof, thanks to this scenic trail.
Please, eat the violets.
The wild violets that dot our forest floors are pretty enough to eat. Go ahead—let our six simple recipes fuel your culinary imagination.
OASIS ON ELK LAKE
ARCHITECT KEN RICHMOND DESIGNS A HOME THAT CAPTURES THE CARIBBEAN COLORS OF ELK LAKE WHILE FEELING COMPLETELY ORGANIC TO THE NORTHWOODS.
LOSS AND NATURE
Leelanau's Cedar River Preserve provides peace and perspective.
GO WITH THE FLOW
Celebrating an unconventional trout opener among friends.
CHAMPION OF TREES
Archangel Ancient Tree Archive is the “most hopeful project on the planet,” says David Milarch.
DINING OUT NEAPOLITAN, BUT WITH STYLE
American House—the Siren Hall spinoff—is making darn good pizza.
Camping With Your Dog
Bringing your dog on your next outdoor overnight excursion? Oh, yes! With a little planning, your canine companion will enjoy camping just as much as you. These Northern Michigan spots are perfectly pet-friendly.
VIRTUAL SCHOOL: TEACHERS WANT TO IMPROVE BUT TRAINING VARIES
After a rocky transition to distance learning last spring, Georgia teacher Aimee Rodriguez Webb is determined to do better this fall. She bought a dry-erase board and a special camera to display worksheets, and she set up her dining room to broadcast school lessons.
CREATIVITY, BEAUTY, PEACE
ROSANNA OCAMPO knows that maintaining healthy relationships is crucial to what she does. “We treat each other like family. That's important in any workplace because you need the peace to create beautiful things,” she says.
A-Rod & J.Lo: WHAT REALLY HAPPENED?
WHY THE SCANDAL-PLAGUED POWER COUPLE OFFICIALLY CALLED IT QUITS
STRAWBERRIES GROW IN A CAVITE RESIDENCE
WHEN WE TALK ABOUT STRAWBERRIES, the first thing that comes to mind is the cold temperatures that are usually present in elevated areas such as Baguio and the Mountain Province, which are famous for this crop. This is because strawberries grow ideally in locations that have a temperature of 15 to 26 degrees Celsius.