Long-Term Care Overview

Who Needs Long-Term Care?

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.

  • 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

  • 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

  • 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

  • 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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What Is LTC? | Types of LTC | Who Pays for LTC? | Costs of LTC | Who Needs LTC
The Odds of Needing LTC | How Long Do People Need LTC?