Who Needs Long Term Care

Nearly 10 million people need long-term care, that is, need help with 'Activities of Daily Living' (ADL).  Most are age 65 or older, but 37 percent are under age 65.  The risk of needing long-term care does, however, rise with age.  Among people age 65 or over, 14 percent need long-term care, in contrast to 1.4 percent of people under age 65.  Among people age 85 and older, half need some long-term care.

The need for long-term care arises from various causes, including diseases, disabling chronic conditions, injury, severe mental illness, and developmental disabilities.  About two-thirds of adults living at home with long-term care needs are in fair or poor health and the majority of people with long-term care needs are women.

However, people with long-term care needs continue to face considerable barriers to obtaiing needed care.  Some cannot afford care, or are unaware of how to arrange for care.  That's why it's so important to plan for your long-term care needs, now.  Even if you think you have time to plan or may think that you may never need long-term care, chances are, that there will come a time in your life when you will.

Peter Madine - Financial Consultation
  Factors that affect the possibility that you will need long-term care:   whoneedsltc2

Age and Gender

  • The older you are, the more likely you will need long-term care
  • Women outlive men by about five years on average, so they are more likely to live at home alone when they are older


  • Having an accident or chronic illness that causes a disability
  • On average, eight percent of people between the ages of 40 and 50 have a disability that could require long-term care services
  • 69 percent of people age 90 or more have a disability

Health Status

  • Chronic conditions such as diabetes and high blood pressure makes you more likely to need care
  • Family history of chronic conditions may increase your likelihood of needing long-term care
  • Poor diet and exercise habits increase your chances for needed long-term care