Planning Education
Will I Need Long-Term Care?
About 70% of people turning 65 today will need some type of long-term care in their lifetime, according to the U.S. Administration for Community Living. Around one-third may never need it — but about 20% will need care for longer than five years. On average, women need care for about 3.7 years and men for about 2.2 years. Knowing the odds is the first step to planning for them.
What the numbers say
Roughly 70% of 65-year-olds will need long-term care; about one-third may never need it; and about 20% will need it for more than five years. Women need care longer on average (3.7 years) than men (2.2 years). Source: U.S. Administration for Community Living (ACL), longtermcare.gov · acl.gov/ltc
What raises your risk
Age, chronic conditions, family health history, and living alone all increase the likelihood and duration of needing care. None of these are guarantees — which is exactly why a plan that can flex to your situation matters.
Questions, answered
What are the odds I'll need long-term care?
About 70% of people turning 65 today will need some long-term care, per the U.S. Administration for Community Living. Roughly one-third may never need it, while about 20% will need it for more than five years.
How long does long-term care usually last?
On average, women need care about 3.7 years and men about 2.2 years, though about 20% of people need it for longer than five years (ACL/longtermcare.gov).
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