Understanding the natural progression of long-term care and the resources available to help can be an invaluable asset to a family or individual who has an immediate eldercare need or will someday in the future.

Long term care refers to a broad range of supportive medical, personal and social services for people who are aging or unable to provide for their own needs for an extended period of time. This need for eldercare may be caused by accident, illness, dementia, stroke, depression, age, or frailty.

The need for long term care will happen to 6 out of every 10 people. Unfortunately, there is a pervasive and appalling lack of planning for long term care in this country. Paying for this care can be devastating for those who are not prepared.

Family caregivers, as well, suffer from a lack of planning by their senior parents. Caregivers often suffer from overwhelming physical and emotional stress, caregiver burnout and all too often, long-lasting family disputes and disagreements.

All elderly people, regardless of current health, should have a long term care plan in place. Dealing with the issues that surround long term care can be the greatest crisis an older person will ever face. With the need for care, the elder loses his or her grasp on the three most important lifestyle concerns in old age;

• Remaining independent
• Having enough money
• Maintaining good health

Care Resource Planning

Optimizing Your Resources for Your Final Years of Life

A Care Resource Plan will provide personalized advice and solutions for your financial, legal and care support needs by examining any number or all of the following:

• Income
• Assets
• Health
• Support
• Shelter

The goal of the planning is to provide recommendations pertaining to any or all of the items outlined below that may be unique to your situation.

• Identify Government Income and Care Support Programs
• Protect and Preserve Assets
• Facilitate Favorable Outcomes for Health, Medical Issues and Final Preparations
• Maximize Family and Community Support
• Find the Right Living Arrangements

Proudly Serving all of Kentucky.

These two photographs were of my favorite uncle, Cpl. Leonard E. “Edwin” Jones. The first shows him holding me in 1959, when I was six months old. The other was taken when he was enlisted in the Army. Uncle Edwin served in Occupied France during WWII, and was commended for his superior marksmanship, earning him the designation of “Sharpshooter”.

In later years, when his health had declined, he could have used the VA Pension (also known as the “Aid and Attendance”) Benefit, in order to help him pay for and receive care in the familiar surroundings that he would have preferred. But unfortunately, like so many other Veterans eligible to receive it, no one in our family knew at the time, that this benefit existed.

Greg Cox has lived in Central Kentucky his entire life. He attended Henry Clay High School, then the University of Kentucky, where he graduated with Honors after earning his degree in Journalism. In 1984, Greg started a successful employee benefits firm (Integrity Insurance Services), which he later sold to a larger multi-state agency in 1999. Over the next six years, Greg worked in sales and account management for United HealthCare and Anthem-WellPoint. In 2005, he established and still serves as President for Kentucky Benefits, which focuses on providing Group Insurance Coverage for Small Employers.

In 2011, Greg founded Care Kentucky, an Independent Advisory Practice that assists Elder Kentuckians and their families, both with pre-planning and also late-stage planning for long-term and end-of-life care. Through specialized financial advice and strategic guidance, clients are able to obtain quality caregiver assistance (either at home or in a suitable facility) while conserving their assets and spending less money.

Care Kentucky desires to educate the public that it’s never too late to benefit from effective care planning: Regardless of current financial or health circumstances, resources are almost always available so that no one should have to worry about becoming impoverished in order to receive, or pay for, the appropriate level of long term care services they need.

Greg and his wife Beth were married in Lexington, in March, 1985. Together, they have eight children and two grandchildren. Five of their children (so far) have become Governors Scholars, and two are National Merit Finalists.

Appointments Held: VA Accredited Claims Agent, Certified Medicaid Planner TM, Life and Health Insurance Agent. Currently in the process of completing the necessary coursework to obtain an IAR designation. Member in good standing with the National Care Planning Council .