I feel frustrated when friends try to make me feel like I’m a nag. In my opinion, this is one more form of denial. I’m on to it. Their game is to make me feel like I’m pestering them and make me feel guilty for doing so. This is their way to avoid their responsibility. Why not just tell me you are uncomfortable talking with me about the possibility you might need care? I would prefer honesty and perhaps have more respect for you. I always wonder why well-educated business people are not more forthright and direct.

My blog on this subject was provoked by a single, female friend I see a few times a month. This morning she made me feel like I was nagging her, and I resent this.

This individual is single and in her late 50’s. I have already given her 2 presentations. We have discussed the facts that women need to collect from their LTC policies twice as often as men do, and that single women collect from LTC almost twice as often as married women do. We’ve reviewed her current coverage together and uncovered a very old disability insurance policy that is just not current or relevant to her needs. In her current circumstances, if she cannot work, it may be difficult to collect from this old policy. At this stage of her life, if she can’t work, it’ll most likely be because she needs care. She may actually be able to work, and collect from her LTC as well. She would be able to convert this old disability policy to a far more functional LTC policy, with no additional expenditure.

That’s where our talks about reasonably priced LTC ended, and she began to make me feel like I was pestering her when I’d ask what her status was.