LTC Planning - Why It’s Never Too Early A Personal Bitter-Sweet Story - Part 1

LTC Planning - Why It’s Never Too Early A Personal Bitter-Sweet Story - Part 1

Many people put off purchasing long term care (LTC) insurance until they’ve retired or even well after that time. Others simply ignore the very real possibility that they will need long term care at some point in their lives, despite the statistics which show 70% of us will after the age of 65. Many people have heard it’s too expensive; it’s a waste of money if you never use it or the insurance companies don’t pay the claims.

I am going to share my personal story with you to encourage you to become educated on this subject and implore you to get the facts for your personal situation and know what your options are. I have personally experienced that needing long term care is a life changing event, and it can have such devastating consequences to you and your loved ones, as well as your ability to keep your financial promises now and during retirement, that it’s worth the time to become educated on the subject.

Season of Darkness

I was tall, blonde, single and 38 years old. I was also a workaholic. Even though I had never been married, or even engaged, I wanted a husband and kids more than anything else. It’s something I had dreamed about all of my life. Sure, I made great money, but what good was that with no one to share it with?

Lynn, it’s me, God…wake up!

I woke up one Sunday morning feeling some lower abdominal pain. I thought it may be a bladder infection, so I went to see a doctor the next day. I was such a workaholic; I wouldn’t even take the time off to go see my regular doctor in the suburbs. Instead, I found a doctor in the city right down the street from where I worked. He assured me that everything checked out, but I knew I felt something pressing against my bladder. I insisted he do further testing and he scheduled me for a CAT scan.

Be Still and Listen

While I was at the hospital waiting for my scan, I was completely preoccupied with my work. It was November, and it was the first time I hadn’t already met my year-end sales goal. My focus was on planning my appointments for the week ahead and I wasn’t even paying attention to where I was and what I was going to have done. I did however, notice a few elderly women on their hospital beds in the hallway waiting to have their scans done too.

As I drove home after the scan, I started thinking about those elderly women all by themselves and wondering if they had a family or a husband to care for them. I started thinking about myself and hoping I wouldn’t be one of those women. I sank into a downward emotional spiral of weeping and crying. In essence, I was having my own pity party about being 38, having no marriage and no children. I was crying out to the Lord asking Him why he hadn’t sent me a “helpmate” and if a family was not His will for me, to take away my desire for one.

Now, I know this is going to sound a little crazy, but it’s true. A voice suddenly interrupted my weeping. It was God’s voice and He told me four things:

  1. Lynn, the doctor is going to tell you that you have a fibroid tumor on your ovary, but you don’t.
  2. Lynn, the doctor is going to tell you that you don’t need surgery, but you will; DO NOT DELAY IN SURGERY LYNN!
  3. Lynn, you need to know that I’m preparing you for something very serious.
  4. But take heart, I WILL provide for you Lynn!


See Part 2 and Part 3.

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