{"id":172,"date":"2023-07-18T11:51:59","date_gmt":"2023-07-18T15:51:59","guid":{"rendered":"https:\/\/www.certitrek.com\/cltc\/?page_id=172"},"modified":"2024-11-07T12:56:03","modified_gmt":"2024-11-07T16:56:03","slug":"what-is-ltc","status":"publish","type":"page","link":"https:\/\/www.certitrek.com\/cltc\/public\/what-is-ltc\/","title":{"rendered":"What is LTC"},"content":{"rendered":"<p><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container has-pattern-background has-mask-background hundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-right:0px;--awb-padding-left:3px;--awb-padding-top-medium:0px;--awb-padding-right-medium:0px;--awb-padding-bottom-medium:0px;--awb-padding-left-medium:0px;--awb-margin-top-medium:0px;--awb-margin-bottom-medium:0px;--awb-min-height:460px;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-center fusion-flex-align-content-center fusion-flex-justify-content-space-between\" style=\"width:104% !important;max-width:104% !important;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion-flex-column\" style=\"--awb-bg-color:var(--awb-color3);--awb-bg-image:linear-gradient(180deg, rgba(99,100,102,0.5) 0%,rgba(99,100,102,0.5) 100%),url(https:\/\/www.certitrek.com\/cltc\/wp-content\/uploads\/sites\/3\/2023\/07\/what-is-ltc.jpg);;--awb-bg-position:center top;--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:0%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:0.768%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-space-between fusion-content-layout-column\" data-bg-url=\"https:\/\/www.certitrek.com\/cltc\/wp-content\/uploads\/sites\/3\/2023\/07\/what-is-ltc.jpg\"><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;flex-grow:1;margin-top:250px;margin-bottom:250px;width:100%;\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-padding-right:80px;--awb-padding-top-medium:20px;--awb-padding-right-medium:50px;--awb-padding-bottom-medium:20px;--awb-padding-left-medium:50px;--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:2.88%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:2.88%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-text fusion-title-size-one\" style=\"--awb-text-color:var(--awb-color1);--awb-margin-bottom:0px;--awb-font-size:48px;\"><h1 class=\"title-heading-left\" style=\"font-family:&quot;Open Sans&quot;;font-style:normal;font-weight:700;margin:0;font-size:1em;\">What is<\/h1><\/div><div class=\"fusion-title title fusion-title-2 fusion-sep-none fusion-title-text fusion-title-size-one\" style=\"--awb-text-color:var(--awb-color4);--awb-font-size:48px;\"><h1 class=\"title-heading-left\" style=\"font-family:&quot;Open Sans&quot;;font-style:normal;font-weight:700;margin:0;font-size:1em;\">Long-Term Care?<\/h1><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:80px;--awb-padding-bottom:80px;--awb-background-color:var(--awb-color6);\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-center fusion-flex-justify-content-center\" style=\"max-width:104%;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-2 fusion_builder_column_1_4 1_4 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:25%;--awb-margin-top-large:0px;--awb-spacing-right-large:7.68%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:7.68%;--awb-width-medium:25%;--awb-order-medium:0;--awb-spacing-right-medium:7.68%;--awb-spacing-left-medium:7.68%;--awb-width-small:25%;--awb-order-small:0;--awb-spacing-right-small:7.68%;--awb-spacing-left-small:7.68%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element \" style=\"--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-1 hover-type-none\"><img decoding=\"async\" width=\"800\" height=\"1034\" title=\"what-is-ltc\" src=\"https:\/\/www.certitrek.com\/cltc\/wp-content\/uploads\/sites\/3\/2023\/07\/what-is-ltc.png\" alt class=\"img-responsive wp-image-173\" srcset=\"https:\/\/www.certitrek.com\/cltc\/wp-content\/uploads\/sites\/3\/2023\/07\/what-is-ltc-200x259.png 200w, https:\/\/www.certitrek.com\/cltc\/wp-content\/uploads\/sites\/3\/2023\/07\/what-is-ltc-400x517.png 400w, https:\/\/www.certitrek.com\/cltc\/wp-content\/uploads\/sites\/3\/2023\/07\/what-is-ltc-600x776.png 600w, https:\/\/www.certitrek.com\/cltc\/wp-content\/uploads\/sites\/3\/2023\/07\/what-is-ltc.png 800w\" sizes=\"(max-width: 1024px) 100vw, (max-width: 640px) 100vw, 600px\" \/><\/span><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-3 fusion_builder_column_3_4 3_4 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:75%;--awb-margin-top-large:0px;--awb-spacing-right-large:2.56%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:2.56%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-1\"><p>When asked, many think long-term care is about nursing homes. The reality is that long-term care is not a place, but a full-scale response to an event or condition. It describes the care someone needs if they become incapacitated, either physically or cognitively, due to a degenerative disease or incident.<\/p>\n<p>More times than not, the need for long-term care is a family crisis as spouses, partners, children, siblings, grandchildren will try to help their disabled loved one get the care they need. In fact, the need for long-term care will likely have the most significant impact on the loved ones trying to provide care. The individual needing care, will receive needed care.<\/p>\n<p>For a brief, but impactful review of what long-term care is, and what it is not, click the link below to read \u201c<a class=\"what_is_ltc\" href=\"#\">Straight Talk About Common Misperceptions: Long-Term Care Basics<\/a>\u201d.<\/p>\n<\/div><div class=\"fusion-builder-row fusion-builder-row-inner fusion-row fusion-flex-align-items-center fusion-flex-justify-content-center\" style=\"width:104% !important;max-width:104% !important;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-0 fusion_builder_column_inner_1_2 1_2 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:3.84%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"sm-text-align-center\"><a class=\"fusion-button button-flat fusion-button-default-size button-custom fusion-button-default button-1 fusion-button-default-span fusion-button-default-type what_is_ltc_opt\" style=\"--button_accent_color:#ffffff;--button_accent_hover_color:var(--awb-color2);--button_border_hover_color:var(--awb-color2);--button_gradient_top_color:var(--awb-color1);--button_gradient_bottom_color:var(--awb-color1);--button_gradient_top_color_hover:var(--awb-custom12);--button_gradient_bottom_color_hover:var(--awb-custom12);\" target=\"_self\"><span class=\"fusion-button-text\">Download PDF<\/span><\/a><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-1 fusion_builder_column_inner_1_2 1_2 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:3.84%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-margin-top-small:20px;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-end fusion-content-layout-column\"><div class=\"sm-text-align-center\" style=\"text-align:right;\"><a class=\"fusion-button button-flat fusion-button-default-size button-default fusion-button-default button-2 fusion-button-default-span fusion-button-default-type\" target=\"_self\" href=\"https:\/\/www.certitrek.com\/cltc\/public\/ltc-cost-of-care\/\"><span class=\"fusion-button-text\">Cost of Care<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-3 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:80px;--awb-padding-bottom:80px;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-center\" style=\"max-width:104%;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-4 fusion_builder_column_3_4 3_4 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:75%;--awb-margin-top-large:0px;--awb-spacing-right-large:2.56%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:2.56%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-2\" style=\"--awb-font-size:32px;--awb-line-height:1.7;\"><p>We estimate that over half (56%) of Americans turning 65 today will develop a disability serious <span style=\"color: var(--awb-text-color); font-family: var(--awb-text-font-family); font-size: var(--awb-font-size); font-style: var(--awb-text-font-style); font-weight: var(--awb-text-font-weight); letter-spacing: var(--awb-letter-spacing); text-align: var(--awb-content-alignment); text-transform: var(--awb-text-transform); background-color: var(--awb-bg-color);\">enough to require Long-Term Care Services and Supports.<\/span><a class=\"footnote\" href=\"#one\" style=\"font-family: var(--awb-text-font-family); font-style: var(--awb-text-font-style); font-weight: var(--awb-text-font-weight); letter-spacing: var(--awb-letter-spacing); text-align: var(--awb-content-alignment); text-transform: var(--awb-text-transform); background-color: var(--awb-bg-color);\">1<\/a><\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-5 fusion_builder_column_1_4 1_4 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:25%;--awb-margin-top-large:0px;--awb-spacing-right-large:7.68%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:7.68%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element sm-text-align-center\" style=\"--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-2 hover-type-none\"><img decoding=\"async\" width=\"411\" height=\"408\" title=\"aging-study\" src=\"https:\/\/www.certitrek.com\/cltc\/wp-content\/uploads\/sites\/3\/2023\/07\/aging-study.png\" alt class=\"img-responsive wp-image-175\" srcset=\"https:\/\/www.certitrek.com\/cltc\/wp-content\/uploads\/sites\/3\/2023\/07\/aging-study-200x199.png 200w, https:\/\/www.certitrek.com\/cltc\/wp-content\/uploads\/sites\/3\/2023\/07\/aging-study-400x397.png 400w, https:\/\/www.certitrek.com\/cltc\/wp-content\/uploads\/sites\/3\/2023\/07\/aging-study.png 411w\" sizes=\"(max-width: 1024px) 100vw, (max-width: 640px) 100vw, 411px\" \/><\/span><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-4 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:80px;--awb-padding-bottom:80px;--awb-background-color:var(--awb-color6);\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-stretch\" style=\"max-width:104%;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-6 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-3 fusion-sep-none fusion-title-text fusion-title-size-one\" style=\"--awb-font-size:32px;\"><h1 class=\"title-heading-left\" style=\"margin:0;font-size:1em;\">The Impact of Long-Term Care on Retirement Confidence:<\/h1><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-7 fusion_builder_column_1_4 1_4 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:25%;--awb-margin-top-large:0px;--awb-spacing-right-large:7.68%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:7.68%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element \" style=\"text-align:center;--awb-max-width:200px;--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-3 hover-type-none\"><img decoding=\"async\" width=\"250\" height=\"267\" title=\"savings\" src=\"https:\/\/www.certitrek.com\/cltc\/wp-content\/uploads\/sites\/3\/2023\/11\/savings.png\" alt class=\"img-responsive wp-image-430\" srcset=\"https:\/\/www.certitrek.com\/cltc\/wp-content\/uploads\/sites\/3\/2023\/11\/savings-200x214.png 200w, https:\/\/www.certitrek.com\/cltc\/wp-content\/uploads\/sites\/3\/2023\/11\/savings.png 250w\" sizes=\"(max-width: 1024px) 100vw, (max-width: 640px) 100vw, 250px\" \/><\/span><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-8 fusion_builder_column_1_3 1_3 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:33.333333333333%;--awb-margin-top-large:0px;--awb-spacing-right-large:5.76%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:5.76%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-space-between fusion-content-layout-column\"><div class=\"fusion-text fusion-text-3\"><p>A recent study<a class=\"footnote\" href=\"#two\">2<\/a> found that 70% of respondents were confident they will have enough money to live comfortably in retirement.<\/p>\n<\/div><div class=\"fusion-progressbar fusion-progressbar-text-on-bar\" style=\"--awb-text-font-size:var(--awb-typography4-font-size);--awb-text-letter-spacing:var(--awb-typography4-letter-spacing);--awb-text-line-height:var(--awb-typography4-line-height);--awb-text-text-transform:var(--awb-typography4-text-transform);--awb-height:65px;--awb-filledcolor:var(--awb-color7);--awb-unfilledcolor:hsla(var(--awb-color5-h),calc(var(--awb-color5-s) - 30%),calc(var(--awb-color5-l) + 51%),var(--awb-color5-a));--awb-border-radius-top-left:3px;--awb-border-radius-top-right:3px;--awb-border-radius-bottom-left:3px;--awb-border-radius-bottom-right:3px;--awb-filledbordersize:0px;--awb-font-family:var(--awb-typography4-font-family);--awb-font-weight:var(--awb-typography4-font-weight);--awb-font-style:var(--awb-typography4-font-style);\"><div class=\"fusion-progressbar-bar progress-bar\"><div class=\"progress progress-bar-content\" style=\"width:0%;\" role=\"progressbar\" aria-labelledby=\"awb-progressbar-label-1\" aria-valuemin=\"0\" aria-valuemax=\"100\" aria-valuenow=\"70\"><\/div><\/div> <span class=\"progress-title\" style=\"right: calc(15px + 30%);\"><span class=\"fusion-progressbar-text\" id=\"awb-progressbar-label-1\">70% of respondents were confident<\/span> <\/span><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-9 fusion_builder_column_1_3 1_3 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:33.333333333333%;--awb-margin-top-large:0px;--awb-spacing-right-large:5.76%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:5.76%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-space-between fusion-content-layout-column\"><div class=\"fusion-text fusion-text-4\"><p>However, 83% were very or somewhat concerned that future LTC needs could impact their retirement confidence.<\/p>\n<\/div><div class=\"fusion-progressbar fusion-progressbar-text-on-bar\" style=\"--awb-text-font-size:var(--awb-typography4-font-size);--awb-text-letter-spacing:var(--awb-typography4-letter-spacing);--awb-text-line-height:var(--awb-typography4-line-height);--awb-text-text-transform:var(--awb-typography4-text-transform);--awb-height:65px;--awb-filledcolor:var(--awb-custom10);--awb-unfilledcolor:hsla(var(--awb-color5-h),calc(var(--awb-color5-s) - 30%),calc(var(--awb-color5-l) + 51%),var(--awb-color5-a));--awb-border-radius-top-left:3px;--awb-border-radius-top-right:3px;--awb-border-radius-bottom-left:3px;--awb-border-radius-bottom-right:3px;--awb-filledbordersize:0px;--awb-font-family:var(--awb-typography4-font-family);--awb-font-weight:var(--awb-typography4-font-weight);--awb-font-style:var(--awb-typography4-font-style);\"><div class=\"fusion-progressbar-bar progress-bar\"><div class=\"progress progress-bar-content\" style=\"width:0%;\" role=\"progressbar\" aria-labelledby=\"awb-progressbar-label-2\" aria-valuemin=\"0\" aria-valuemax=\"100\" aria-valuenow=\"83\"><\/div><\/div> <span class=\"progress-title\" style=\"right: calc(15px + 17%);\"><span class=\"fusion-progressbar-text\" id=\"awb-progressbar-label-2\">83% were very or somewhat concerned<\/span> <\/span><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-5 fusion-flex-container has-pattern-background has-mask-background quote-bar nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:40px;--awb-padding-bottom:40px;--awb-background-color:var(--awb-color1);\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-center\" style=\"max-width:104%;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-10 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-5\" style=\"--awb-font-size:24px;--awb-text-color:#ffffff;\"><p><em>There are only four kinds of people in the world\u2013\u2013those who have been caregivers, those who are currently caregivers, those who will be caregivers, and those who will need caregivers.<\/em><\/p>\n<\/div><div class=\"fusion-text fusion-text-6 fusion-text-no-margin\" style=\"--awb-content-alignment:right;--awb-font-size:24px;--awb-text-color:#ffffff;--awb-margin-bottom:0px;--awb-text-font-family:&quot;Open Sans&quot;;--awb-text-font-style:normal;--awb-text-font-weight:300;\"><p>&#8211; Rosalynn Carter, Former First Lady<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-6 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:40px;--awb-padding-bottom:40px;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start\" style=\"max-width:104%;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-11 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-7\" id=\"one\"><p><small><a id=\"1\"><\/a>1 <a href=\"https:\/\/aspe.hhs.gov\/sites\/default\/files\/documents\/08b8b7825f7bc12d2c79261fd7641c88\/ltss-risks- financing-2022.pdf\" data-wplink-url-error=\"true\">ASPE 2022 Research Brief<\/a>, \u201cLONG-TERM SERVICES AND SUPPORTS FOR OLDER AMERICANS: RISKS AND FINANCING. <\/small><\/p>\n<\/div><div class=\"fusion-text fusion-text-8\" id=\"two\"><p><small><a id=\"1\"><\/a>2 How a Caregiving Experience Informs Future Planning, commissioned by Certification for Long-Term Care, Home Instead, Milliman, TCare, September 2023.<\/small><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":12,"featured_media":0,"parent":158,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"100-width.php","meta":{"footnotes":""},"class_list":["post-172","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v19.4 (Yoast SEO v19.13) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What is LTC - Certification for Long Term Care<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.certitrek.com\/cltc\/public\/what-is-ltc\/\" \/>\n<meta property=\"og:locale\" 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