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"The Silent Crisis"
Long Term Care is a Very Serious Women's Issue!

"Guarding Your Gold II" has an entire chapter devoted to "The Silent Crisis—The Women's Issue of Long Term Care" and sets the table with the actual statistics of Medicare, Medicaid, and nursing home utilization by women in America."

From The Book:  (Excerpted from the eighteen page chapter)

"Don't shoot the messenger.  You are about to be exposed to a compilation of facts, which illustrate the importance of Long Term Care Insurance to women. You won't be very happy with most of what you read.  But, let's start by saying that all of the issues discussed here have a greater impact on the female population, than they do on their male counterparts.  I have tried to present these "hard facts" in a clear and concise manner, without the sophistication of an academic rendering.  But let me be very clear at the outset—the seriousness of the women's issue is a national problem, and every American—women and men—need to be aware of the problems that the disparity creates."

"Until we accept the viewpoint that several things must be done to address and rectify the inequities associated with aging, healthcare, and wages, for the women of this country, this crisis will remain "silent.   And the solutions will go overlooked and ignored.   None of us can afford that.  Hopefully, this publication will help enable us, as a nation, to 'outshout' the silence , and to accept that we need to prepare now for sensible solutions."

"Let's start by itemizing the various components of the overall picture.  For some, the information will not be news, but the updating will reinforce what we have known for some time.  For other readers, much of what develops will be new surprising, shocking, and startling information, or will at least include a new and complete understanding of the problems of women, and the inequities associated with the process of aging, as well as the current disadvantages associated with employment.

  1. The demographics of the women's issue—the basis of the problem.
  2. Medicare utilization as a measure—of the imbalance of longevity.
  3. Nursing home and assisted living utilization—another measure.
  4. Informal caregiving—wherein women provide the largest share.
  5. Holding down a job—and holding the family together.
  6. Salaries, Finances, and Social Security—wherein—disproportion, disadvantage, and disparity, are brutal realities, which must be changed."
  7. "In case any man looks at this chapter and determines that they are immune from the consequences of what appear to be women's problems—think again.  A complete brain will easily identify that if women can't receive adequate incomes to deal with disproportionate longevity, caregiving responsibilities, and health concerns, yet pay the bills, who would that responsibility fall back onto?  Oh, yeah, the government.  Sure. And who pays the government?  The taxpayer.  And who pays the majority of the taxes, if women's incomes don't compete?  Guess!" 

    "Yes, the problems and conditions for women in America are serious, as presented by the evidence I have offered for your consideration.  But as severe as all of this is, I am proud that I represent the Long Term Care insurance industry, which finally can solve some of these problems for those who think ahead and prepare.  Long Term Care insurance coverage can provide some peace-of-mind for the whole family, for at least part of the problem, even though the unfairness of it all seems to settle on the backs of the women of this country."


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