The government, both state and federal, is sending a strong message that it will not pay for Long Term Care for most Americans.
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|Who Needs Long Term Care?|
Even though you plan to remain healthy, active and independent, there’s a good chance, at some point, you’ll need help. Consider these statistics:
Seventy percent of people turning age 65 will need Long Term Care before they die. (1)
It’s not just the elderly, however, who require Long Term Care. Forty percent of the 12 million Americans receiving Long Term Care are between the ages of 18 and 64. (1)
Because women generally outlive men, are they more at risk?
Yes, the issue of Long Term Care should be especially important to women because they traditionally provide (see Unpaid caregiving issues) and receive the majority of Long Term Care services. Consider these statistics:
Women are far more likely to go to a nursing home. After age 65, forty out of every 1,000 women are in nursing homes versus 24 men. (2)
More than seventy percent of nursing home residents are women. (3) Almost two-thirds of home health care users are female. (4)
1. U.S. Department of Health and Human Services National Clearinghouse for Long Term Care Information, 10/22/08. http://www.longtermcare.gov
2. American Association of Long Term Care Insurance, 2011 Source Book.
3. AARP Public Policy Institute - Analysis of data from the 2004 National Nursing Home Survey.
4. “Staying the Course: Trends in Family Caregiving.” AARP 2005.
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