Planning for your future health care costs can be a daunting task. But a long term care event can happen at any time, and the financial and emotional strain that comes with it can have an impact on you and your loved ones. By educating yourself about long term care now, you’re better prepared to make care choices in the future. One of the most important parts of planning for long term care is figuring out how to pay for it.

You may already be aware of what long term care is, whether it's through personal experience caregiving for a loved one who needs daily assistance, or knowing a family member or friend who requires more support as they age. As you learn more about long term care, consider the possibility that you may need this type of care in the future and start planning for it today.

In today’s world, planning is essential. People are living longer and need a long-range care plan that can sustain them throughout their lifetime.

No matter your stage of life, it’s always a good idea to have a long-range health plan in place. One thing to keep in mind is coverage for any potential long term care needs.

This Mother’s Day, as you look back at the many years your mother cared for you, consider the possibility that she may require care herself someday. Long term care insurance can help ensure that your mother will get the care she needs, should there come a time when she requires help managing some of the activities we associate with independent living.

While many federal employees may question whether long term insurance is worth the cost, they may ultimately realize that the emotional and financial reassurance of having this protection may offer value that outweighs the cost of premiums.