How to Have a Conversation About Long-Term Care Planning With Your Parents

Talking about sensitive topics like long-term care planning with your parents is difficult. But it’s important to have this conversation while they are still healthy and able to make decisions about their care. Here are some tips to help you get started.


Choose a Good Time

Pick a time when you and your parents are relaxed, and there are no distractions. It’s also important to ensure everyone agrees on why you’re having the conversation. It would be best if you could talk face-to-face, but if that’s not possible, a phone call or video chat will work, too.


When choosing the time, consider your parents’ schedules and energy levels. For example, if they are usually tired in the evenings, it might be better to talk during the day. And, if they are generally busy with errands or appointments on weekdays, a weekend might be better.


Prepare in Advance

It’s helpful to know what you want to say before the conversation. You might even want to write down some key points for example about long-term care insurance and the options for long-term care insurance. This will help you stay on track and ensure you cover everything you want to discuss.


You can write down questions that you want to ask, too. For example, you might want to know your parents’ wishes for their care. Asking open-ended questions like this can help start a conversation and get everyone talking.


Think About Your Tone

When discussing such a personal topic, it’s important to be respectful and understanding. Avoid sounding judgmental, bossy, or angry. Instead, try to be supportive and compassionate.


If you get emotional during the conversation, that’s okay. Just take a break if you need to and come back when ready.


Listen Carefully

It’s just as important to listen as it is to talk. Make sure that you’re hearing what your parents are saying especially about their preferred options for long-term care insurance. This can be difficult when you have your own opinions and ideas about the situation.


Try to avoid interrupting and allow everyone to share their thoughts when talking about long-term care insurance and other issues. If you’re not sure you understand something, ask questions. And, if someone gets upset, take a break, and return to the conversation when everyone is calm.


Be Patient

This conversation might not happen all at once. It might take several conversations to cover everything. And that’s okay. Just take your time and be patient.


Your parents might need time to think about their wishes or make decisions about Medicare insurance help. They might also want to involve other family members, like siblings or their children. Avoid pressuring your parents to make decisions right away. This is a big decision, and they should take the time to think about it.


Get Help From a Professional

If you’re having trouble getting started or are unsure how to handle the conversation, consider talking to a professional. A social worker or counselor can help you figure out what to say about Medicare insurance help and how. They can also provide support and guidance if the conversation gets emotional.


Long-term care planning is an important decision, but it doesn’t have to be a difficult conversation. By being prepared and taking time, you can have a productive discussion with your parents about their care. All Vest Associates is a center that provides guidance and resources for long-term care planning. Contact us today to learn more about our services.