Long Term Care Guild

Long Term Care Insurance for All Americans:

MEMBERS: Join the campaign as a professional promoter! When logged in, you may download the materials by clicking the "Members Only" sub-tab under the "3 in 4 Need More" tab.

3 in 4 need more Do you plan to live beyond 65? If so, reflect on this: Prudential Financial Inc. notes that 74% of consumers ages 55 to 65 polled for a recent survey said they are concerned about needing some kind of long term care. That's about three in every four of us!

But the consumer concern has not yet been translated into action in most cases. In Prudential survey, 25% of all consumers admitted that they have no idea what a day in a nursing home costs. And only 22% of the participants mentioned the idea of using private LTC insurance to pay for care.

We need to provide information and incentives to make LONG TERM CARE INSURANCE available to all who could benefit from it!

Many people think they're already covered for long-term care, when they're not. According to the U.S. Department of Health and Human Services, "Contrary to what many people believe, Medicare and private health insurance programs do not pay for the majority of long-term care services that most people need -- help with personal care such as dressing or using the bathroom independently." (National Clearinghouse for Long-Term Care Information*)

If you don't have a long-term care insurance policy, you may be at risk!


  • Tax rebates or deductions to make LTC insurance more affordable
  • Medicaid reform to stop abuse and ensure public aid for the truly needy

Health reform is NOT ENOUGH if it falls short of embracing a long, full life! Take the following two actions to assure that you and those you love get the protection you need:

  1. Write or call your representatives, urging them to provide tax incentives to make long term care insurance affordable for everyone, to help the 3 in 4 who "need more" after 65 -- and the millions of additional Americans who "need more" in their 50's, 40's, 30's, or even in their youth or childhood (long-term care needs can surface at any age).

    3 in 4 need more Click here for an easy way to contact your elected representatives.

  2. Find out if you should get long-term care insurance NOW, without waiting for new incentives from Washington. Should you put off your decision until the new legislation materializes?

    There's a risk in waiting. If your health deteriorates, you'll have to pay a higher rate or might not qualify at all. Then you'd have to pay the care bills yourself or rely on Medicaid after exhausting your own assets ... or become a burden on relatives. Also, if you wait, there's no guarantee Congress will pass the law we need.

    3 in 4 need more Click here to find an LTC Guild member who can help you decide whether LTC insurance is important for you NOW, based on your assets, age, sex, and health.

    You can find rich sources of advice on this site. Members include state-certified long-term care insurance agents, care specialists, financial advisors, and others eager to share their expertise or experiences.

*Additional information on risk and cost: Peter Kemper, Harriet L. Komisar, and Lisa Alecxih, "Long-Term Care Over an Uncertain Future: What Can Current Retirees Expect?," Inquiry, Vol. 42, Winter 2005/2006, pps. 335-350, www.inquiryjournal.org

Critique of the above study from the Center for Long-Term Care Reform: LTC Bullets, March 28, 2006, Stephen Moses

MEMBERS: When logged in, you may download the campaign materials by clicking the "Members Only" sub-tab under the "3 in 4 Need More" tab.

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