When people hear that I focus on the area of elder law, they assume that
means I only help people who are elderly. When I ask them what age fits
into the description of elderly, depending upon their age, I get a number
that ranges anywhere from age 60 to age 90. Imagine their surprise when
I tell them I also have clients in their 40’s and 50’s.
The clients in their 40’s and 50’s don’t come to me because
they consider themselves elderly (neither do most of the clients in their
60’s and 70’s by the way). They come to me because they see
what financial and emotional havoc a lack of long-term care planning can
cause by watching and helping their parents deal with an unplanned long-term
As longevity continues to increase, a long-term care need becomes more
of a later years possibility for all of us, so why not think about the
possibility in your 40’s and 50’s when there is still time
to put a financial safety net in place. Yes, it can be pretty depressing
to imagine yourself unable to care for yourself without assistance. Therefore,
it is understandable that planning for the day when you have a long-term
care need may be the last thing you want to think about planning for.
However, when and if that day comes, planning ahead is going to be what
gives you the options you crave (such as being able to afford to pay for
the help necessary to live at home or in an assisted living community,
rather than the nursing home).
So, for many of my clients, visiting an elder law attorney doesn’t
mean they are elderly, it just means they are smart pre-planners.