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All ages can need long-term care!
However, usually when people think of long-term care they tend to
think of it as care for the elderly. This is not the case. In fact,
almost half of the people that need long-term care are under the age of 65. An example of this is Christopher Reeves who needs long-term care due to his horseback riding accident. You've probably known of younger people in your community that need long-term care because of things like strokes, car accidents, skiing accidents, multiple sclerosis or a variety of other disabling diseases.
We are living longer than we ever used to due
to medical technology, increased longevity and the fact that we
take better care of ourselves now than ever before. Therefore, as
our society ages, even more people will need long-term care.
Women are more likely to need long-term care
than men. Women tend to have more chronic conditions, like arthritis
and osteoporosis. Men tend to have more acute types of health conditions
that lead quickly to death, like a heart attack. Also, women are
more likely to need long-term care services than men because they
have a longer life expectancy.
Many times women marry men that are older than
them. With the life expectancy being longer for women and their
husbands being older it is very common for women to care for their
older husbands at home. After they pass away the women are left
alone and their care is more likely to be provided by their children,
or in a nursing home.
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Today there are more than 34 million
people over the age of 65 in the United States.
"Old and frail and on their own.
Expand barter system for elderly health care."
US News and World Report, December
30, 1996 /January 6, 1997
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For those who reached age 65 in 1990,
men can expect to live to age 80; women to 85 ½.
Center for Strategic and International
Studies, 1998
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By 2020, The U.S. average life expectancy
will increase another 10 years, to age 86. "Free
Market Partnership Now Can Prevent LTC Crisis in 2020.",
National Underwriter, October 19, 1998
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The age 85 and older population
will double as a proportion of the U.S. population by
the year 2030, and double again by 2050. "Retirement:
Preparing for An Uncertain Future", Journal of
the American Society of CLU & ChFC, November 1998
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