Who Needs Long-Term Care?

Whether you require long-term care depends on your level of disability. The chances of needing long-term care usually increase as you age, but long-term care may be needed at any age.

It is important to recognize that at some time in your life you may require long-term care services. Therefore, you should think about how to pay for this care.

The longer a person lives, the more likely it is that he or she will need some kind of long-term care. Some people who have acute illnesses may need nursing home or home health care for only short periods. Others may need care for many months or years. Many people who need long-term care receive that care in their own homes through services provided by home health agencies, relatives, or friends. Others receive care through nursing homes, group homes, or assisted living facilities.

Risk Factors for Needing Long-Term Care

Life expectancy: The longer you live, the more likely it is that you will need long-term care.
Gender: Women are more likely to need long-term care because they live longer.
Married or single: If you are married and have adult children, you may be more likely to receive informal care at home.
Health factors: If poor health runs in your family, you could be at greater risk than another person of the same age and gender.