---
title: Long-Term Care Crisis ‘Sneaking Up on Most Americans’
description: NAIFA's Carroll Golden addresses the looming long-term care crisis sneaking up on most Americans, and what we can do to mitigate its impact.
image: https://lhc.naifa.org/hubfs/Disabled%20elder%20woman%20on%20wheelchair%20with%20nurse.jpeg
---

[**](https://lhc.naifa.org/lecpblog/long-term-care-crisis-sneaking-up-on-most-americans#tmpmodule_1610372601348145)

- [Join](https://belong.naifa.org/join)
- [Renew](https://community.naifa.org/login.aspx)
- [Find an Advisor Pro](https://findapro.lifehappens.org/)

****

[![belong.naifa.orghs-fshubfslogo_NAIFA_white](https://lhc.naifa.org/hs-fs/hubfs/social-suggested-images/belong.naifa.orghs-fshubfslogo_NAIFA_white.png?width=140&height=109&name=belong.naifa.orghs-fshubfslogo_NAIFA_white.png)

![logo_NAIFA_NEW](https://lhc.naifa.org/hs-fs/hubfs/logo_NAIFA_NEW.png?width=100&height=73&name=logo_NAIFA_NEW.png) 

](https://lhc.naifa.org/)

[**](https://lhc.naifa.org/lecpblog/long-term-care-crisis-sneaking-up-on-most-americans#tmpmodule_1610372601348145)

- [Centers Home](https://centers.naifa.org/centers)
- [LHC Home](https://lhc.naifa.org)
- LHC Collectives 
    - [Limited and Extended Care Planning Collective](https://lhc.naifa.org/lecp)
    - [Medicare Collective](https://lhc.naifa.org/medicare)
- Advisory Councils 
    - [Limited and Extended Care Planning Advisory Council](https://lhc.naifa.org/advisory-council)
    - [Medicare Advisory Council](https://lhc.naifa.org/mc-advisory-council)
- Advocacy 
    - [Limited and Extended Care Planning Legislative Working Group](https://lhc.naifa.org/legislative-working-group)
    - [Medicare Legislative Working Group](https://lhc.naifa.org/medicare-legislative-working-group)
    - [Advocacy Action Center](https://advocacy.naifa.org/news)
- Events 
    - [Inside the New NAIFA Medicare Collective Working Group webinar recording](https://vimeo.com/1211793994/19889c51bc?share=copy&fl=sv&fe=ci)
    - [Medicare Collective Impact Day 2026 Recording](https://belong.naifa.org/navigating-disruption-and-market-contraction-in-medicare-business-in-2026-and-beyond)
    - [Peak 65 Series: Impact Day for Lifetime Healthcare Recording](https://lhc.naifa.org/peak65)
    - [Limited and Extended Care Planning Archives](https://lhc.naifa.org/archives) 
          - [2025 LECP Impact Day Recording](https://vimeo.com/1138688419/b50a406b29?share=copy&fl=sv&fe=ci)
          - [LHC Webinars](https://lhc.naifa.org/archives)
- Blogs 
    - [Limited and Extended Care Planning Blog](https://lhc.naifa.org/lecpblog)
    - [Medicare Blog](https://lhc.naifa.org/mcblog)

**

![LHC-header](https://lhc.naifa.org/hs-fs/hubfs/LHC-header.png?width=1920&height=960&name=LHC-header.png)

# **Limited and Extended Care Planning Collective**

The LECP Collective empowers professionals to network with solution and service providers to share best practices, directly access subject matter experts, research, training and resources; and provide thought leadership so we may continue to address the changing needs of the market.

###### 1 min read

# [Long-Term Care Crisis ‘Sneaking Up on Most Americans’](https://lhc.naifa.org/lecpblog/long-term-care-crisis-sneaking-up-on-most-americans)

 By [NAIFA](https://lhc.naifa.org/lecpblog/author/naifa) on 11/3/22 9:54 AM

###### Topics: [Long-Term Care](https://lhc.naifa.org/lecpblog/topic/long-term-care) [Limited & Extended Care Planning Center](https://lhc.naifa.org/lecpblog/topic/limited-extended-care-planning-center)

![](https://lhc.naifa.org/hubfs/Disabled%20elder%20woman%20on%20wheelchair%20with%20nurse.jpeg)

On Monday, October 31's "Don't Be Scared of Long-Term Care," NAIFA's Executive Director of Centers of Excellence, [Carroll Golden](https://www.linkedin.com/in/carrollgolden/), addressed the crisis of long-term care that is sneaking up on most Americans. "When we look at the cost of care, it’s only increasing and it’s increasing dramatically," she said at the Limited & Extended Care Planning Center's annual Impact Day.

In statistics Golden presented, she shared that:

- 70% of adults over age 65 will develop severe long-term needs before they die but only 48% will receive paid care.
- Only about 7% of Americans own a private long-term care policy.  
  High care costs quickly exhaust personal savings and force a spend down to poverty levels to qualify for Medicaid.
- Unpaid care often is left to family members, who face significant financial and emotional burdens.

Read more about this looming crisis, and how we can help mitigate its impact in the [*full article at InsuranceNewsNet.*](https://insurancenewsnet.com/innarticle/long-term-care-crisis-sneaking-up-on-most-americans)

 

- [Tweet](https://twitter.com/share)

# TOPIC LIST :

- [Limited & Extended Care Planning Center (81)](https://lhc.naifa.org/lecpblog/tag/limited-extended-care-planning-center)
- [Long-Term Care (81)](https://lhc.naifa.org/lecpblog/tag/long-term-care)
- [Knowledge Centers (25)](https://lhc.naifa.org/lecpblog/tag/knowledge-centers)
- [Long-Term Care Insurance (21)](https://lhc.naifa.org/lecpblog/tag/long-term-care-insurance)
- [Extended Care (19)](https://lhc.naifa.org/lecpblog/tag/extended-care)
- [Potential Partners for Advisors (17)](https://lhc.naifa.org/lecpblog/tag/potential-partners-for-advisors)
- [Life Insurance & Annuities (13)](https://lhc.naifa.org/lecpblog/tag/life-insurance-annuities)
- [Limited Care (13)](https://lhc.naifa.org/lecpblog/tag/limited-care)
- [Webinar (13)](https://lhc.naifa.org/lecpblog/tag/webinar)
- [Financial Planning (10)](https://lhc.naifa.org/lecpblog/tag/financial-planning)
- [Insurance (9)](https://lhc.naifa.org/lecpblog/tag/insurance)
- [Medicaid (8)](https://lhc.naifa.org/lecpblog/tag/medicaid)
- [Planning in Advance (7)](https://lhc.naifa.org/lecpblog/tag/planning-in-advance)
- [Retirement Planning (7)](https://lhc.naifa.org/lecpblog/tag/retirement-planning)
- [Reverse Mortgages (7)](https://lhc.naifa.org/lecpblog/tag/reverse-mortgages)
- [State Advocacy (7)](https://lhc.naifa.org/lecpblog/tag/state-advocacy)
- [Retirement (6)](https://lhc.naifa.org/lecpblog/tag/retirement)
- [Legislation & Regulations (5)](https://lhc.naifa.org/lecpblog/tag/legislation-regulations)
- [Medicare (5)](https://lhc.naifa.org/lecpblog/tag/medicare)
- [Technology (5)](https://lhc.naifa.org/lecpblog/tag/technology)
- [Federal Advocacy (4)](https://lhc.naifa.org/lecpblog/tag/federal-advocacy)
- [Short-Term Insurance (4)](https://lhc.naifa.org/lecpblog/tag/short-term-insurance)
- [Advanced Planning (3)](https://lhc.naifa.org/lecpblog/tag/advanced-planning)
- [Financial Wellness (3)](https://lhc.naifa.org/lecpblog/tag/financial-wellness)
- [Lifetime Healthcare Center (3)](https://lhc.naifa.org/lecpblog/tag/lifetime-healthcare-center)
- [Professional Development (3)](https://lhc.naifa.org/lecpblog/tag/professional-development)
- [Research/Trends (3)](https://lhc.naifa.org/lecpblog/tag/research-trends)
- [Tax Benefits (3)](https://lhc.naifa.org/lecpblog/tag/tax-benefits)
- [caregiving (3)](https://lhc.naifa.org/lecpblog/tag/caregiving)
- [Advisor Today (2)](https://lhc.naifa.org/lecpblog/tag/advisor-today)
- [Advocacy (2)](https://lhc.naifa.org/lecpblog/tag/advocacy)
- [Financial Literacy (2)](https://lhc.naifa.org/lecpblog/tag/financial-literacy)
- [Financial Security (2)](https://lhc.naifa.org/lecpblog/tag/financial-security)
- [Group & Employee Benefits (2)](https://lhc.naifa.org/lecpblog/tag/group-employee-benefits)
- [Grow Your Business (2)](https://lhc.naifa.org/lecpblog/tag/grow-your-business)
- [Health Care (2)](https://lhc.naifa.org/lecpblog/tag/health-care)
- [Podcast (2)](https://lhc.naifa.org/lecpblog/tag/podcast)
- [Press Release (2)](https://lhc.naifa.org/lecpblog/tag/press-release)
- [#NAIFAProud (1)](https://lhc.naifa.org/lecpblog/tag/naifaproud)
- [Apex (1)](https://lhc.naifa.org/lecpblog/tag/apex)
- [Artificial Intelligence (1)](https://lhc.naifa.org/lecpblog/tag/artificial-intelligence)
- [California (1)](https://lhc.naifa.org/lecpblog/tag/california)
- [Chapter Event (1)](https://lhc.naifa.org/lecpblog/tag/chapter-event)
- [Continuing Education (1)](https://lhc.naifa.org/lecpblog/tag/continuing-education)
- [Family Caregivers Awareness (1)](https://lhc.naifa.org/lecpblog/tag/family-caregivers-awareness)
- [Financial Gerontology (1)](https://lhc.naifa.org/lecpblog/tag/financial-gerontology)
- [Gerontology/Aging (1)](https://lhc.naifa.org/lecpblog/tag/gerontology-aging)
- [LIMRA (1)](https://lhc.naifa.org/lecpblog/tag/limra)
- [Leaders (1)](https://lhc.naifa.org/lecpblog/tag/leaders)
- [Loyal Member Profile (1)](https://lhc.naifa.org/lecpblog/tag/loyal-member-profile)
- [Marketing (1)](https://lhc.naifa.org/lecpblog/tag/marketing)
- [Members (1)](https://lhc.naifa.org/lecpblog/tag/members)
- [Membership (1)](https://lhc.naifa.org/lecpblog/tag/membership)
- [NAIFA Partner (1)](https://lhc.naifa.org/lecpblog/tag/naifa-partner)
- [Prospecting (1)](https://lhc.naifa.org/lecpblog/tag/prospecting)
- [Retirement Plans (1)](https://lhc.naifa.org/lecpblog/tag/retirement-plans)
- [Standard of Care & Consumer Protection (1)](https://lhc.naifa.org/lecpblog/tag/standard-of-care-consumer-protection)
- [State-Facilitated Retirement Plans (1)](https://lhc.naifa.org/lecpblog/tag/state-facilitated-retirement-plans)
- [Tax Savings (1)](https://lhc.naifa.org/lecpblog/tag/tax-savings)
- [Technology Tools (1)](https://lhc.naifa.org/lecpblog/tag/technology-tools)
- [Underwriting & Risk Classification (1)](https://lhc.naifa.org/lecpblog/tag/underwriting-risk-classification)
- [Washington (1)](https://lhc.naifa.org/lecpblog/tag/washington)

###### [** Previous Post](https://lhc.naifa.org/lecpblog/tackle-the-scariest-topics-in-long-term-care)

[![](https://lhc.naifa.org/hubfs/LECP%20Impact%20Week%20Main%20Graphic-1104x736px-1.jpg) ](https://lhc.naifa.org/lecpblog/tackle-the-scariest-topics-in-long-term-care)

###### [Tackle the Scariest Topics in Long-Term Care at LTC Impact Day 2022](https://lhc.naifa.org/lecpblog/tackle-the-scariest-topics-in-long-term-care)

###### [Next Post **](https://lhc.naifa.org/lecpblog/lecps-impact-day-2022-now-available-on-demand)

[![](https://lhc.naifa.org/hubfs/Close%20up%20low%20angle%20view%20of%20a%20man%20working%20from%20home%20on%20a%20laptop%20computer%20sitting%20at%20a%20desk%20surfing%20the%20internet.jpeg) ](https://lhc.naifa.org/lecpblog/lecps-impact-day-2022-now-available-on-demand)

###### [LECP's Impact Day 2022 Now Available On-Demand](https://lhc.naifa.org/lecpblog/lecps-impact-day-2022-now-available-on-demand)

### Featured

### Sign up for updates

### SIGN UP FOR UPDATE

Our Key Contributors

## **Sponsors**

[ ![AGIS_Network_logo](https://lhc.naifa.org/hs-fs/hubfs/AGIS_Network_logo.jpg?width=200&height=72&name=AGIS_Network_logo.jpg) ](https://www.agisnetwork.com/) [![amada](https://lhc.naifa.org/hs-fs/hubfs/Amada-logo.png?width=220&name=Amada-logo.png) ](https://www.amadaseniorcare.com/)[![Coventry](https://www.coventry.com/wp-content/uploads/2023/10/logo.webp) ](https://www.coventry.com/) [![EquiTrust](https://lhc.naifa.org/hs-fs/hubfs/equaltrust.png?width=180&height=50&name=equaltrust.png) ](https://www.equitrust.com/) [![ILTCI](https://lhc.naifa.org/hs-fs/hubfs/ILTCI-1.png?width=130&name=ILTCI-1.png) ](https://iltciconf.org/) [![Krause](https://lhc.naifa.org/hs-fs/hubfs/Krause-FullColor-Stacked.png?width=100&height=98&name=Krause-FullColor-Stacked.png) ](https://www.krauseagency.com/) [![LTCI Partners](https://lhc.naifa.org/hs-fs/hubfs/LTCIpartners.png?width=160&name=LTCIpartners.png) ](https://www.ltcipartners.com/) [![LTC Solutions](https://lhc.naifa.org/hs-fs/hubfs/Corporate%20Partner%20Newsletter/LTC.jpg?width=200&height=35&name=LTC.jpg) ](https://www.ltc-solutions.com/) [![OneAmerica](https://lhc.naifa.org/hs-fs/hubfs/OneAmerica-Financial.png?width=180&height=46&name=OneAmerica-Financial.png) ](https://www.oneamerica.com/) [![Senior Market Sales](https://lhc.naifa.org/hs-fs/hubfs/SeniorMarketSales_Logo.jpg?width=140&height=51&name=SeniorMarketSales_Logo.jpg) ](https://www.seniormarketsales.com/)

[![LimitedExtCareCenterwhite-3](https://lhc.naifa.org/hs-fs/hubfs/LimitedExtCareCenterwhite-3.png?width=300&height=96&name=LimitedExtCareCenterwhite-3.png)

![LimitedExtCareCenterGreen](https://lhc.naifa.org/hs-fs/hubfs/LimitedExtCareCenterGreen.png?width=300&height=96&name=LimitedExtCareCenterGreen.png) 

](https://lecp.naifa.org/)

[**](https://lhc.naifa.org/lecpblog/long-term-care-crisis-sneaking-up-on-most-americans#tmpmodule_699579294)

- [Centers Home](https://centers.naifa.org/centers)
- [LHC Home](https://lhc.naifa.org)
- LHC Collectives 
    - [Limited and Extended Care Planning Collective](https://lhc.naifa.org/lecp)
    - [Medicare Collective](https://lhc.naifa.org/medicare)
- Advisory Councils 
    - [Limited and Extended Care Planning Advisory Council](https://lhc.naifa.org/advisory-council)
    - [Medicare Advisory Council](https://lhc.naifa.org/mc-advisory-council)
- Advocacy 
    - [Limited and Extended Care Planning Legislative Working Group](https://lhc.naifa.org/legislative-working-group)
    - [Medicare Legislative Working Group](https://lhc.naifa.org/medicare-legislative-working-group)
    - [Advocacy Action Center](https://advocacy.naifa.org/news)
- Events 
    - [Inside the New NAIFA Medicare Collective Working Group webinar recording](https://vimeo.com/1211793994/19889c51bc?share=copy&fl=sv&fe=ci)
    - [Medicare Collective Impact Day 2026 Recording](https://belong.naifa.org/navigating-disruption-and-market-contraction-in-medicare-business-in-2026-and-beyond)
    - [Peak 65 Series: Impact Day for Lifetime Healthcare Recording](https://lhc.naifa.org/peak65)
    - [Limited and Extended Care Planning Archives](https://lhc.naifa.org/archives) 
          - [2025 LECP Impact Day Recording](https://vimeo.com/1138688419/b50a406b29?share=copy&fl=sv&fe=ci)
          - [LHC Webinars](https://lhc.naifa.org/archives)
- Blogs 
    - [Limited and Extended Care Planning Blog](https://lhc.naifa.org/lecpblog)
    - [Medicare Blog](https://lhc.naifa.org/mcblog)

**

[**](https://www.facebook.com/NAIFANational) [**](https://twitter.com/naifa) [**](https://www.instagram.com/onenaifa/) [**](https://www.linkedin.com/company/naifa) [**](https://www.youtube.com/user/naifavideo) [**](https://soundcloud.com/user/naifavideo)

[![LifetimeHealthcare_w](https://lhc.naifa.org/hs-fs/hubfs/Centers_LifetimeHealthcare_w.png?width=200&height=71&name=Centers_LifetimeHealthcare_w.png "LifetimeHealthcare_w")](http://naifa.org)

- [Legal & Privacy ](https://solutions.naifa.org/legal-and-privacy)

Copyright © 2020 NAIFA  
**National Association of Insurance and Financial Advisors  
1000 Wilson Boulevard, Suite 1890  
Arlington, VA 22209**  
Phone: 877-866-2432  
[lhc@naifa.org](mailto:lhc@naifa.org)

**