LTCi Related Statistics

Written by Claude Thau

February 24, 2020

A set of statistics that we have collected regarding LTCi over the years:

  • 80% of women die single, per the WiserWomen web-site;, specifically,
  • Without LTCi, elders who need care are ~50% more likely to move in with a younger generation (Derived from MetLife Study (March, 2001))
  • Without LTCi:
    • 71% of claimants would get less care
    • >50% would have to change venue
    • 26% would delay paid services
    • 53% would choose a less costly provider
    • 83% believe they would have had lower-quality providers.

Data from LifePlans, “Experience and Satisfaction Levels of Long-Term Care Insurance Customers: A Study of Long-Term Care Insurance Claimants”, September 2016.  More specific citations below
LifePlans, “Experience and Satisfaction Levels of Long-Term Care Insurance Customers: A Study of Long-Term Care Insurance Claimants”, September 2016, p. 5 (First bullet, chart p. 16; Second bullet, chart p.  17 (47/(39+47)= 55%; Third bullet chart p. 18  22/(22+62); Fourth bullet chart p. 19  40/(40+36) = 53%
Fifth bullet chart p. 19  (38+41)/(38+41+11+5) = 83%

  • Informal caregivers who responded that their health had gotten worse as a result of caregiving most commonly reported a loss of energy and sleep (87%), stress or panic attacks (70%), aches or pain (60%), depression (52%), headaches (41%), and weight gain or loss (38%).4
  • Some 22% of informal caregivers to the elderly are depressed which is around twice the rate of the population as a whole.5
  • Studies have shown an increased mortality of caregiving spouses as well. It has even been indicated that informal caregivers spend less time with family and friends (69%) and at work (37%).4
  • The increased need for informal caregiving also has accompanying negative financial consequences.
  • ​Lost income and benefits over a caregiver’s lifetime is estimated to range from a total of $283,716 for men to $324,044 for women, or an average of $303,880. 10
  • Research suggests that if savings rates are not increased and government programs to assist the elderly are not strengthened, many retirees will face serious problems attaining needed health and long-term care services in the future. By 2030, many retirees will not have enough income and assets to cover basic expenditures or any expenses related to a nursing home stay or services from a home health provider. 11
  • 65.7 million informal and family caregivers make up 29% of the US adult population providing care to someone who is ill, disabled, or aged.12
  • 43.5 million caregivers provide care for someone age 50+ and 14.9 million care for someone who has Alzheimer’s or other Dementia.13
  • 34.1 million Americans have provided unpaid care to an adult age 50 or older in the prior 12 months, and more than 15 million Americans provide unpaid care for people with Alzheimer’s disease and other dementias. 14
  • 72% of caregivers cared for a parent, step-parent, mother-in-law or father-in-law, and 67% of caregivers provided for someone age 75 or older.16
  • 30% of persons caring for elderly long-term care users were themselves aged 65 or over; another 15% were between the ages of 45-54.17 58% of care recipients live in their own homes and 20% live in their caregiver’s home.17
  • More women than men are caregivers, 60%. 8 in 10 are taking care of one person. 18
  • Male caregivers are less likely to provide personal care, but 24% help a loved one get dressed compared to 28% of female caregivers; 16% of male caregivers help with bathing versus 30% of females; and 40% of male caregivers use paid assistance for a loved one’s personal care. Men represent 43.4% (14.5 million) of caregivers who care for an older family member.19
  • The gender balance shifts to close to equal participation among 18 to 49-year-old care recipients (47% of caregivers are male), while among the age 50+ recipients, it tips to females (32% male, 68% female). 20
  • Research suggests that the number of male caregivers may be increasing and will continue to do so due to a variety of social demographic factors.21

Individual LTCi Claims by Venue, 2018

2018 Claims By Venue: Nursing Home ALF Home Care & Adult Day Care
# of Claims 30.1% 29.3% 40.6%
Claims $ 31.7% 35.0% 33.3%

Source: Milliman Individual Long-Term Care Insurance Survey (Broker World Magazine, July 2019)

Urban Institute Study, 2007

  • Intermediate scenario: 333% as many commercial home care hours in 2040 as 2000
  • # of people needing care will more than double, but # of able-bodied people ages 25-64 will increase only 26%

Merrill Lynch/Age Wave Study

Increase from 2015 to 2050

  • Projected care recipients: 84%
  • With Alzheimer’s: 160% (2.6 x as many)
  • Caregivers: only 13%

The following are both from the Milliman LTCi Survey published in Broker World Magazine, 7/2019

Health Qualification is Critical: We’re More Likely to be Refused Coverage As We Age

Health Qualification is Critical: % of Applicants Who Qualify for “Preferred” Rates

Age at which LTCi Claim Starts Percentage of Claims
Under age 50 0.3%
50-59 1.9%
60-69 8.7%
70-79 25.4%
80+ 63.7%


Sales of Policies with LTC-Related Benefits

Type Policy: Stand-Alone EOB ADB-only
2018 Sales 56,288 36,360 367,640 (70% CI)

Life Expectancy at Age 50
Affluent People Live Longer, So…

Income Quintile 1960 Cohort Advantage of Highest Income Quintile




Male Female Male Female
5 (highest) 38.8 41.9
4 37.8 33.1 1.0 8.8
3 33.4 32.4 5.4 9.5
2 28.3 29.7 10.5 12.2
1 (lowest) 26.1 28.3 12.7 13.6

The authors indicate that the female data is less reliable.  Note that male longevity came out higher in quintiles 4 and 3.

National Academies of Sciences, Engineering, and Medicine (2015). The Growing Gap in Life Expectancy by Income: Implications for Federal Programs and Policy Responses. Committee on the Long-Run Macroeconomic

Effects of the Aging U.S. Population-Phase II. Committee on Population, Division of Behavioral and Social Sciences and Education. Board on Mathematical Sciences and Their Applications, Division on Engineering and Physical Sciences. Washington, DC: The National Academies Press. The impact of affluence looks more significant for females based on the above table, but  the paper said it is more significant for males.

The difference between males and females is surprising in the above table, with females having  lower life expectancy in quintiles 3 and 4. 

 Use of Commercial and Informal Caregivers

  • 9% use only commercial caregivers
    • What does that look like?
  • 26% use a combination of informal care and commercial care.
    • This is best for both the care recipient and caregiver.
    • LTCi makes this happen.
    • People presume they’ll have a support system. Will they?  If not, will they stay at home?
  • 66% use only informal caregivers

Family Caregiver Alliance, National Center on Caregiving, February 2015

Life Expectancy for Women age 65
Life Expectancy % to live to 90 % to live to 95
Full population 88.8
Average health 31% 12%
Above average health 42% 21%

Life Expectancy for 65-year-old males: 86.5, April 25, 2017

The majority of caregivers (82%) care for one other adult, while 15% care for 2 adults, and 3% for 3 or more adults.

For more statistics, ,see

33% of family caregivers spend more than 30 hours per week providing care, which is almost the equivalent of a full-time job, Family Caregiver Usage and Attitudes Survey, 2014,

​Sources for the above:

4Evercare Study of Caregivers in Decline, National Association of Caregiving, 2006

5End-in-Life Care and the Effects of Bereavement on Family Caregivers of Persons with Dementia, Richard Schulz, Ph.D., Aaron B. Mendelsohn, Ph.D., William E. Haley, Ph.D., Diane Mahoney, Ph.D., Rebecca S. Allen, Ph.D., Song Zhang, M.S., Larry Thompson, Ph.D., and Steven H. Belle, Ph.D., for the Resources for Enhancing Alzheimer’s Caregiver Health (REACH) Investigators, November 13, 2003.

6Valuing the Invaluable: 2011 Update: The Economic Value of Family Caregiving. AARP Public Policy Institute.- Updated: November 2012

7National Alliance for Caregiving and AARP (2009), Caregiving in the U.S. A Focused Look at Those Caring for Someone Age 50 or Older, Bethesda, MD: National Alliance for Caregiving, Washington, D.C. – Updated: November 2012

8Coughlin, J., (2010). Estimating the Impact of Caregiving and Employment on Well-Being. Outcomes & Insights in Health Management, Vol. 2; Issue 1 – Updated: November 2012.

9Metlife Study of Working Caregivers and Employer Health Costs: National Alliance for Caregiving. 2010 – Updated: November 2012.

10AARP Public Policy Institute (2011) Valuing the Invaluable. is external).

11VanDerhei, J., and C. Copeland. Can America Afford Tomorrow’s Retirees: Results from the EBRI-ERF retirement security protection model [Issue brief #263]. Washington DC: Employee Benefit Research Institute, 2003.

12National Alliance for Caregiving and AARP (2009) Caregiving in the U.S, National Alliance for Caregiving, Washington D.C.

13Alzheimer’s Association (2011) Alzheimer’s Disease Facts and Figures, Alzheimer’s and Dementia. Vol. 7, Issue 2.

14Alzheimer’s Association, 2015 Alzheimer’s Disease Facts and Figures. Available at

16Galllup Healthways Wellbeing Survey, Most Caregivers Look After Elderly Parent; Invest a Lot of Time, July 2011 – Updated: November 2012.

17National Alliance for Caregiving and AARP (2009), Caregiving in the U.S., A Focused Look at Those Caring for Someone Age 50 or Older, Bethesda, MD: National Alliance for Caregiving, Washington D.C. – Updated: November 2012.

18The National Alliance for Caregiving and AARP (2015), Caregiving in the U.S. National Alliance for Caregiving. Washington, D.C.

19The National Alliance for Caregiving and AARP (2009), Caregiving in the U.S. National Alliance for Caregiving. Washington, D.C. – Updated October 2012.

20The National Alliance for Caregiving and AARP (2009), Caregiving in the U.S. National Alliance for Caregiving. Washington, D.C. – Updated October 2012.

21Kramer, B. J. & E. H. Thompson, (eds), Men as Caregivers, (New York: Prometheus Books, 2002). – Updated: November 2012.

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