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Carla (Full Site) Workman, LTCP
LTC Insurance Advisors
Long Term Care Specialist
Tallahassee, FL
(850) 656-2433 Phone



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America's Future and Long-Term Care Needs
"...The Problem"

Due to longer life spans, long-term care is a much more important issue than it once was.  When Social Security and Medicare were established, the average person wouldn't need those programs, because they wouldn't live long enough to use them. 

Now, most people live long enough to not only use them, but use them for quite a few years.  Just because none of your ancestors needed long-term care, doesn't mean that you won't.  They probably didn't live long enough to need that care.  The odds increase that long-term care will be needed by normal people as the average life expectancy goes up.


 "Currently, there are 35 million people over 65, some 13% of the population. By 2030, the number will grow to 70 Million, or one-fifth of the population."
National Academy on an Aging Society January 1999 as quoted in The LTC Planning Guide by Phyllis Shelton, 2001

"There are 72,000 Americans over the age of 100, and that number is expected to triple in 20 years."
Centenarians in the United States, Census Bureau, July 1999

Find Out More...
The Cost of Long-Term Care There are more costs than just financial for long term care. You have to consider the burden on family and friends, both in a physical and emotional sense. As far as financial, it depends on where you live, the level of care you require and the length of time that you will need your care Find out more...

Protect Your Family ...from the toll of Long Term Care. Learn how by clicking here...

What Are My Chances? It is our nature to believe that we will never be in a position to need long-term care. That only happens to other people, not to us. Of course, we would like to believe that, but we cannot foretell the future. Click here for more...