There are a number of factors that affect the possibility your clients will need care:

Age

• The older you are, the more likely you will need long term care

Gender

• Women outlive men by about five years on average, so they are more likely to live at home alone when they are older

Disability

• Having an accident or chronic illness that causes a disability is another reason for needing long term care
• Between ages 40 and 50, on average, 8% of people have a disability that could require long term care services
• 69% of people age 90 or more have a disability

Health Status

• Chronic conditions such as diabetes and high blood pressure make you more likely to need care
• Family history, such as whether parents or grandparents had chronic conditions, may increase your likelihood
• Poor diet and exercise habits increase your chances of needing long term care

Living Arrangements

• Individuals living alone are more likely to need paid care than if they’re married, or single, and living with a partner

Where is care provided?

Professional care can be delivered in a variety of different settings, and many long term care insurance policies give your clients the option to receive care in the setting of their choice.

• Home health care: services provided at home
• Assisted living facility: residential care setting that provides housing and support services for people wanting or needing assistance with daily living tasks
• Memory loss units: often located as a separate wing of an assisted living facility, providing 24-hour support and locked premises to assure no one wanders off
• Nursing home: full-time care in a dedicated facility
• Adult day care: community-based, daytime supervision providing social, recreational, or health assistance off-site during working hours