{"id":1350,"date":"2025-09-22T10:10:12","date_gmt":"2025-09-22T14:10:12","guid":{"rendered":"https:\/\/www.certitrek.com\/cltc\/?p=1350"},"modified":"2026-01-21T09:46:37","modified_gmt":"2026-01-21T13:46:37","slug":"new-study-finds-families-with-long-term-care-insurance-face-less-financial-strain","status":"publish","type":"post","link":"https:\/\/www.certitrek.com\/cltc\/new-study-finds-families-with-long-term-care-insurance-face-less-financial-strain\/","title":{"rendered":"New Study Finds Families with Long-Term Care Insurance Face Less Financial Strain"},"content":{"rendered":"<h3><b>New Study Finds Families with Long-Term Care Insurance Face Less Financial Strain<\/b><\/h3>\n<h4><b>Coverage lightens financial load, yet navigating care remains overwhelming<\/b><\/h4>\n<p><span style=\"font-weight: 400\">The <\/span><a href=\"https:\/\/www.ltc-cltc.com\/\"><span style=\"font-weight: 400\">Certification for Long-Term Care (CLTC) <\/span><\/a><span style=\"font-weight: 400\">has shared findings from its <\/span><a href=\"https:\/\/drive.google.com\/file\/d\/12bIkjjDJons66wn5Dts1_tQPmi4vL2Bd\/view?usp=sharing\"><span style=\"font-weight: 400\">\u201cCreating a Path Forward\u201d study<\/span><\/a><span style=\"font-weight: 400\"> highlighting differences in the caregiving journey for families depending on whether their loved ones have long-term care insurance (LTCi).<\/span><\/p>\n<p><span style=\"font-weight: 400\">The study, conducted by researchers at the <\/span><a href=\"https:\/\/www.ltsscenter.org\/\"><span style=\"font-weight: 400\">LeadingAge LTSS Center<\/span><\/a><span style=\"font-weight: 400\"> at UMass Boston, and supported by sponsors Amada Senior Care and Mutual of Omaha, convened four focus groups of family caregivers whose loved ones are currently receiving long term care services.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">Two groups represented caregivers whose loved ones had LTCi; two represented those without.<\/span><\/p>\n<h5><b>Key Findings<\/b><\/h5>\n<ul>\n<li style=\"font-weight: 400\"><b>Financial Strain:<\/b><span style=\"font-weight: 400\"> Families without LTCi reported greater financial consequences. Many retired early, reduced work hours, or depleted retirement accounts to cover expenses.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400\"><b>Caregiver Challenges<\/b><span style=\"font-weight: 400\">: Finding and keeping paid caregivers was difficult across the board. Regardless of coverage, both groups cited cost, quality, and reliability as constant concerns.<\/span><\/li>\n<li style=\"font-weight: 400\"><b>Limited Awareness of Support:<\/b><span style=\"font-weight: 400\"> Caregivers with LTCi were often unaware of additional policy features that could support them, such as respite benefits, care coordination, or family caregiver training programs. Caregivers without LTCi expressed frustration at the lack of a clear roadmap for finding public programs or benefits, noting that any support they discovered was usually by chance.<\/span><\/li>\n<li style=\"font-weight: 400\"><b>Attitudes Toward LTCi:<\/b><span style=\"font-weight: 400\">\u00a0 Having seen the value first-hand, some of the family caregivers whose loved ones had LTCi had also bought coverage for themselves.\u00a0 Those with coverage valued its role in reducing financial stress but worried about whether it would be enough as needs escalated. Several caregivers expressed regret that they had not been educated about LTCi earlier.<\/span><\/li>\n<li style=\"font-weight: 400\"><b>Future Planning Gaps:<\/b><span style=\"font-weight: 400\"> Both groups acknowledged anxiety about planning for their own long-term care. Barriers such as affordability, insurability, and skepticism about the industry\u2019s stability loomed large in both discussions.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400\">\u201cCaregiving is emotionally demanding no matter the circumstances,\u201d said Eileen J. Tell, lead researcher on the study. \u201cBut having long-term care insurance can be the difference between financial devastation and stability. Still, many of these families didn\u2019t know how to take advantage of all the benefits available to them.\u201d<\/span><\/p>\n<p><a href=\"https:\/\/www.certitrek.com\/cltc\/wp-content\/uploads\/sites\/3\/2025\/09\/2314_CLTC-2025-Study-Flier_final.pdf\">Link to the CLTC Study PDF<\/a><\/p>\n<p><a href=\"https:\/\/www.certitrek.com\/cltc\/wp-content\/uploads\/sites\/3\/2025\/10\/2025_CLTC-Thought-Leadership-Study.pptx\">Link to CLTC Study Presentation<\/a><\/p>\n<p><a href=\"https:\/\/www.ltc-cltc.com\/blog\/new-study-finds-families-with-long-term-care-insurance-face-less-financial-strain\">Link to Press Release<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>New Study Finds Families with Long-Term Care Insurance Face Less [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1357,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[36],"tags":[77,83,80,81,79,84,76,82,52,75,78],"class_list":["post-1350","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-whitepapers-studies-presentations","tag-caregiver-support","tag-client-education","tag-cltc-designation","tag-extended-care","tag-family-finances","tag-financial-impact-of-caregiving","tag-financial-planning","tag-insurance-industry-research","tag-long-term-care-insurance","tag-ltci","tag-retirement-planning"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v19.4 (Yoast SEO v19.13) - 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