Mothers spend their lives worrying about you – and they never stop. But as mothers grow older, they have another worry: becoming a burden to their children.

With Mother’s Day approaching, why not purchase long-term care insurance (LTCi) for your parents? There’s not a more appropriate, caring, considerate gift. Siblings can chip in and wind up with very, very low premiums.

LTCi is the gift that ensures dignity, options, choices and access if care is needed. LTCi greatly contributes to keeping families united and stress-free. Since LTCi provides the money to access the most desirable care options, LTCi policyholders often access the right kind of care, sooner than their people with no LTCi.

Without LTCi, families often experience great stress, panic and overwhelming expenses because they are forced to react after a health event triggers a care need. These families are not prepared,  and family members can be at odds with each other about the best course of action. Sadly, this discord can carry forward to become mom or dad’s undesired legacy. How I wish I hadn’t seen so many completely avoidable instances where this happened!

If you are still mired in a state of denial about why more and more people understand that LTCi is an absolute necessity, please contact me.

I want to thank nationally syndicated columnist Terry Savage, whose May 4, 2009 article in the Chicago Sun-Times inspired me to post this blog again this year. Terry wrote a wonderful and powerful piece about giving long-term care insurance for Mother’s Day.