Recent research suggests that most Americans turning age 65 will need long-term care services at some point in their lives.

Age

• The older you are, the more likely you will need long-term care

Gender

• Women outlive men by about five years on average, so they are more likely to live at home alone when they are older

Disability

• Having an accident or chronic illness that causes a disability is another reason for needing long-term care
• Between ages 40 and 50, on average, eight percent of people have a disability that could require long-term care services
• 69 percent of people age 90 or more have a disability

Health Status

• Chronic conditions such as diabetes and high blood pressure make you more likely to need care
• Your family history such as whether your parents or grandparents had chronic conditions, may increase your likelihood
• Poor diet and exercise habits increase your chances of needing long-term care

Living Arrangements

• If you live alone, you're more likely to need paid care than if you are living with a spouse or partner