Millions of Americans, including children, adults, and seniors, need long-term services and supports (LTSS). According to Consumer Reports, researchers have found that half of individuals who are 65 years old today will need some type of long-term care, and one in seven Americans turning 65 years old today will face over five years of needing assistance. But, it is not only aging individuals who need these long-term services and supports. Individuals under 65, including children and people with disabilities need these supports to live day-to-day in their own communities.

  • More than 100 companies sold long term care policies in the early 2000s. Now, that number is down to about 12 (Source: Consumer Reports)
  • In 2014, about 13 million individuals aged 18 or older needed assistance to perform activities of daily living (ADLs). (Source: AARP LTSS Fact Sheet)
  • 60 percent (7 million) of adults who need help with ADLs are 65 or older. (Source: AARP LTSS Fact Sheet)
  • Genworth’s 2016 Cost of Care survey noted that the median cost of assisted living per year is $43,539, with home health aides charging roughly $20 per hour of care. (Source: Genworth)
  • The pool of individuals who can afford to pay long-term care insurance premiums is shrinking. According to LifePlans, in 2015, the median income of long-term care insurance purchasers was $87,500, versus $62,500 in 2005. (Source: LifePlans report for AHIP)
  • The total economic value of family caregiving was $470 billion in 2013—more than the total formal LTSS spending in 2013 ($339 billion). (Source: AARP LTSS Fact Sheet)
Photo Courtesy of LeadingAge

Photo Courtesy of LeadingAge


"I have been a caregiver for a SCI family member and know full well the demands physically, emotionally, financially, and the other multitude of losses suffered when a spinal cord injury occurs.  I want more options for my long-term care policy which cuts the benefits at 5 years. I pay for this insurance, and the rates just went up 17%."

 - C. Colbert from Montana

"My wife and I are both living in a skilled Nursing Facility and our purchased LTC policies have a maximum dollar amount. My fear is Name Location Date Comment that we may outlive our policy limits. I am also concerned about our children's and grandchildren's futures"

 - G. Gordon from Illinois

Resources and tools

The following resource links will direct you to the web sites of the listed organizations: