{"id":1123,"date":"2024-09-18T11:17:57","date_gmt":"2024-09-18T15:17:57","guid":{"rendered":"https:\/\/www.certitrek.com\/cltc\/?p=1123"},"modified":"2026-01-21T09:46:57","modified_gmt":"2026-01-21T13:46:57","slug":"cltc-2024-study-most-americans-are-not-prepared-for-realities-of-long-term-care","status":"publish","type":"post","link":"https:\/\/www.certitrek.com\/cltc\/cltc-2024-study-most-americans-are-not-prepared-for-realities-of-long-term-care\/","title":{"rendered":"CLTC 2024 Study: Most Americans Are Not Prepared for Realities Of Long-Term Care"},"content":{"rendered":"

A 2024 comprehensive survey commissioned by Certification For Long-Term Care<\/a> (CLTC) highlights a crucial gap in middle-income consumers\u2019 understanding of costs and planning associated with long-term care (LTC).<\/p>\n

Among the survey\u2019s key findings:
\n\u2022 Upper-income consumers are more likely to recognize that, in the absence of insurance, most LTC costs will be paid out-of-pocket.
\n\u2022 In contrast, middle-income consumers are less likely to understand that critical fact.
\n\u201cAnother difference we identified is the approach to future planning,\u201d said lead researcher Eileen J. Tell, CEO of ET Consulting. \u201cUpper-income consumers are more inclined than their middle-income counterparts to engage in product purchases or make financial investments to prepare for LTC needs\u2014such as buying long-term care insurance (LTCI) or increasing retirement savings.\u201d<\/p>\n

Middle-income consumers are less familiar with LTCI and less likely to meet with insurance agents to discuss options. They are more likely to cite affordability concerns when considering LTCI, which could signal a potential lack of understanding of its value proposition and the financial risks they might face with LTC. Middle-income respondents are also more likely to cite not needing LTC or reliance on family care as key reasons for not buying LTCI.<\/p>\n

Middle-income individuals said that if they received information about options from a trusted advisor with knowledge of their personal situation or if objective, reliable information was available on a government-sponsored website, they might be more interested in the planning options presented.<\/p>\n

Click to view highlights of the study findings<\/b><\/a><\/p>\n

Click to view the presentation on the study<\/b><\/a><\/p>\n

Click to view the study release<\/b><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

A 2024 comprehensive survey commissioned by Certification For Long-Term Care […]<\/p>\n","protected":false},"author":1,"featured_media":1124,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[36],"tags":[],"class_list":["post-1123","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-whitepapers-studies-presentations"],"yoast_head":"\nCLTC 2024 Study: Most Americans Are Not Prepared for Realities Of Long-Term Care - 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\/cltc-2024-study-most-americans-are-not-prepared-for-realities-of-long-term-care\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"CLTC 2024 Study: Most Americans Are Not Prepared for Realities Of Long-Term Care\" \/>\n<meta property=\"og:description\" content=\"A 2024 comprehensive survey commissioned by Certification For Long-Term Care […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.certitrek.com\/cltc\/cltc-2024-study-most-americans-are-not-prepared-for-realities-of-long-term-care\/\" \/>\n<meta property=\"og:site_name\" content=\"Certification for Long Term Care\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/LTCCLTC\/\" \/>\n<meta property=\"article:published_time\" content=\"2024-09-18T15:17:57+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-01-21T13:46:57+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.certitrek.com\/cltc\/wp-content\/uploads\/sites\/3\/2025\/02\/preparedness.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"724\" \/>\n\t<meta property=\"og:image:height\" content=\"407\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.certitrek.com\/cltc\/cltc-2024-study-most-americans-are-not-prepared-for-realities-of-long-term-care\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.certitrek.com\/cltc\/cltc-2024-study-most-americans-are-not-prepared-for-realities-of-long-term-care\/\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\/\/www.certitrek.com\/cltc\/#\/schema\/person\/2e80ad273783578fe95c9ea7c8f9e8aa\"},\"headline\":\"CLTC 2024 Study: Most Americans Are Not Prepared for Realities Of Long-Term Care\",\"datePublished\":\"2024-09-18T15:17:57+00:00\",\"dateModified\":\"2026-01-21T13:46:57+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.certitrek.com\/cltc\/cltc-2024-study-most-americans-are-not-prepared-for-realities-of-long-term-care\/\"},\"wordCount\":267,\"publisher\":{\"@id\":\"https:\/\/www.certitrek.com\/cltc\/#organization\"},\"articleSection\":[\"Whitepapers, Studies & Presentations\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.certitrek.com\/cltc\/cltc-2024-study-most-americans-are-not-prepared-for-realities-of-long-term-care\/\",\"url\":\"https:\/\/www.certitrek.com\/cltc\/cltc-2024-study-most-americans-are-not-prepared-for-realities-of-long-term-care\/\",\"name\":\"CLTC 2024 Study: Most Americans Are Not Prepared for Realities Of Long-Term Care - 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