Employee Perspectives on Long-Term Care

The Employee Long-Term Care (LTC) Survey, fielded in late 2024, examined employees’ awareness of, access to, and perspectives on LTC financing. Findings from the survey of 2,445 workers ages 20–74 uncovered emerging insights while also reaffirming well-established trends in LTC awareness and preparedness.

Some of the key findings from the survey include:

Four in 10 workers reported a belief that they will likely need long-term care as they age, but a substantial portion remained unsure (32 percent) or did not think they will need it (24 percent). Awareness of an employee’s personal long-term care needs appeared to be concentrated among two groups:
- Workers with personal experience receiving care, with a disability, or who have filed a short-term disability claim are significantly more likely to believe they will need LTC in the future.
- Employees with higher incomes and education levels are more likely to anticipate needing LTC.
There are gaps in knowledge about access to local long-term care, sometimes also referred to more broadly as long-term services and supports (LTSS). Thirty-seven percent of employees reported low or no knowledge of how to access LTC services in their community.
Only 24 percent of benefits-eligible employees said their employer offers long-term care insurance, and just 9 percent of employees were enrolled. Even among those anticipating LTC needs, take-up remains low.
Awareness and availability of caregiving support programs are limited. A majority of employees were unsure of what employee resource groups (ERGs) exist at their workplace, and only a minority reported access to key caregiving or end-of-life support services.
A large share of workers were or said they expect to be caregivers. Nearly 60 percent of employees had provided care in the past or were doing so currently. Many said they expect to provide care in the future for aging parents, in-laws, or spouses — often both physically and financially.
In consideration of a single, specific future care recipient:
- A significant proportion of future caregivers had not estimated LTC costs. Among those who had estimated the cost of care for a specific individual, many underestimated the cost of LTC, with most expecting expenses to remain under $50,000.
- Many future caregivers reported an expectation that Medicare (43 percent) or Medicaid (29 percent) will cover LTC costs. A third (32 percent) said they themselves would pay for this care.
Employees expressed support for their state government in the provision of long-term care insurance (LTCI). A majority supported increased taxes to fund LTC benefits, with 64 percent favoring a state payroll tax, and a plurality (27 percent) said “my state” was best positioned to provide personalized LTCI.
Cost, benefits, access, and reliability were the most important features for employees if they were to consider purchasing an LTCI contract.
As part of a series of tradeoffs between different coverage designs and tax implications for a potential LTCI program, employees were asked to choose between front-end and catastrophic coverage options. Fifty-eight percent of employees selected catastrophic coverage, while 42 percent chose front-end coverage.

A significant share of employees either said they expect to need long-term care or had caregiving experience, yet awareness, planning, and benefit take-up remained low, with many workers underestimating costs, unsure how to access services, and mistakenly expecting Medicare or Medicaid to cover future care. Employees’ perceptions of their LTC needs are strongly influenced by personal experience and socioeconomic status, highlighting an opportunity for employer-informed, public-private solutions paired with targeted education efforts.

EBRI was able to fund the development of this research thanks to generous support from Brown & Brown – Strategic Non-Medical Solutions.

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Bridg A et b B oear utd en This is R S esu ear rve ch y an d Development Strategist at the Employee Benefit Research Institute (EBRI). This Issue Em Eplo ntityy Bes ee t Pos Per itione spect d toiv Pe rov side on Long Lo-ng Term -TCare erm C Insura are nce That Is Right for You Have you ever filed any of the following insurance claims through an employer, insurance provider, or a state or Employee Perception of Future Care Recipient’s How Frequently Mos Do t C Y ommonly ou Worry Off About ered Bene Your Dai fitsly Expenses? Source of their caregiver’ compensation estimate to fo P re ecople ast th e in 20E 24mploy estimate ee w’ os u ld Imm still ie ndi dia catte e thNetw at the se ork lf-r ep W oho rted di Msab ight ilityNee preva d Fut lence fure ound Care in this online How Do You Expect This Care or fedeA ras l as geis ncy tanc ? e in Living to Be Provided? T wi pu htr ih rct h y has -is geven ih n per g u r an c i n h pc as er o LT m c in CI en e g an tc an o od n f LT tted Wa rh ac CI ou s s tc y e c o ( at o F uw r in io g ca h tn u ro re ac .r e est g B t iv u 24 .e tir m )e. at m Wh ed ploen yees th e as c ked o in s tt h tth o e o s m uel g id ec hd t tle t h t, h e w eip h rr oitc oh e p aven ttag hr ee w ’t o hfu ad eat ld p u fal er res, l sb oel n 67 al ow p ex er $p 2 cer 5 en ,i0 en t0 o 0 cf e ye e an m ar p dlly o ar y (F ees en ig’u t r sh e ai igdh ly Brief was written with assistance from the Institute’s rFi ese gar uc re 1 h an8 d editorial staffs. Any views expressed in this report T In In h e ad ad fid d niian t tiio oc n ni al t to o w u trel n ad d lber iei tis o ntn g an al r d esu gin ro glu t s e p m sb u p en g lo ge yees est fits t ,’ h e p at m er p w slp o oec yee rker tive ss w s w er o itn h e tc as h ar ei ked eg r o i vin w ab ng o p u e er tx o p so tec h ner tal at s c io u ar n pe s p o an nre ted d ive ex s,p ptrer h oe gien rs au m cres v sey ohf a fser ve ou ed g a h ts th litrg o oh utg lyh m th oei re r 35% Figure 10, Insur 30% ance Purchased Outside of Employer Channel ................................................................................ 11 compensateLik d? elihood of Qualifying for Medicaid By Bri 80% dget Bearden, Ph.D., Em Takep nloye Not e T B akee nne Alwfi ays Atve Re rag M eo Ra s st e o na f k o thrch fe I t m im pe orI tans nce t Ai mtout ng Te a ke-Up su rvey is higher t 90% han the federal survey estimates. Respondents who reported any one of the following six disability types The Employee Long-Term Care (LTC) Survey examined e 32% mployees' awaren 32%ess of, access to, and perspectives on t ed 17 he u ). c pF at ro ic ed re/ ty c - oo trh sw rtee eal of p tth er he yc, en in ap stu pe rear an stim c e to at p b e ro e dd ltess u hc et , caw ow sh ar ti lte e o 5 o b3 fe tp b her et eic rw en feen utt u in r $ e d2 ic c5ar at ,0ed e 00 n t eed an he d s b .$ en 99 ef ,9 it9 o 9f, tw he hilie n s1 u9 ran per ce cen prt o d est ucitm . at Eas ed e io t ft o be 100% 27% 10.0 ar o u em p ne t dp im er tlh ois o yer sts tan ie c. d o o O fver e ver tm hal e p al llau o lvie ,yees w th w h oi rl’o e ex an f sto p h dm ec ei se rh t at o fe iu n m io lan d p n ls n c o io yer fal o t rb s sp ie tro u o a fat s f vid W er c io r iin ho b n s u ed g bp u cp W tar to o sre til tti ih lve tl lo e g P r o o p ap a tfrh fo y ip er c g er lrfo e sam .sw ,r Ca T is th tr,h iu s a s d w ap tai re ees, ar lp y? en r o f io ac n eran s h s o c tan th io al er d u s n avail s td r pes er on s sa s es. tb o an irls id t y o infrg e E m c Bar R aiI, eg n E liivin m mp itgled o yee . O ne 83% 45% Not 43% sure were • conAs si90% de prar ed t to of ha a s ve eriaes dio sab f tirlOt ad ity: hee roffs2% between different coverage d Thesig e state ns and tax implications for a pot 71% en 9.0 tial LTCI May Co 1, p2 el0 an 25 d, •Cr No aig30 , . % an 6d3 Lis 4 a Greenwald, “Caregivers and A dR ults etirem Disaen bledt : ch F ildirn endings From the 2023 Retirement Confidence Figur LT e C 11f,i nAd and ciitnio gn . al Th S eu s pu pro vey rtive s aPr mo pg le r am acc so ................................ unted for 2,445 emplo ................................ yees ages 20–74, incl................................ uding 970 employees ............ residing 12 68% ac mo cr ess e tih 70% nan g t h $e 1 0b0en 80% ,00 ef0it.s F an or d c o th mep lar ikel iso ih no , oin d 2 th 0at 22 b , en it w efa itss est woiu mld at b ed e avail that a ob nl e aver to tag hee, m an wh Am en er need ican ed tu w rn er ine g s6 el 5ec wto ed ul d b yin tchurree Benefit Research Institute-Education and Research Fund (EBRI-ERF), or their staffs. Neither EBRI nor EBRI-ERF lobbies s ex uc ph er p ien roc ges ra m is ic s 25% o e nm sis ptlo en yee t 7% w rites h o pu riro cre E gB rR ou I p w so (rE k. R G s), which may also be referred to as business resource groups (BRGs) 80% 8.0 Extremely likely 33% 14% Household income less than $50,000 29% 25% Survey,” EBRI Issue Brief, no. 586 (Employee Benefit Research Institute, July 13, 2023). 40% program, employees were asked to choose between front-end and catastrophic coverage options. Fifty-eight in nine states with active long-term care insurance public policy proposals at the time of fielding (California, New Respondents were asked to rate their wellbeing across financial, emotional, physical, workplace, and social dimensions $ in1 2 10 0, 9 em 00p 70% lio nyees futu.r e LTSS costs (Johnson and Dey, 2022). This estimate reflects average public and private 7e .0xpenditures o or r t aake f •f ins it y H po ea gs rir o tiin u og d p nss. io ff The n ic u s lp tm y: ec aj d ifo ieaf c r itpy o oo lri hav c f ye m pirn p og lp o s o yees e sral iosu .( s 5 Edi B 8 R ff piIer c u in c ltvit en y h e t) e s ar w co ier nm g. em nen ot ts o un re t h wis h at rese em ar pclo hyee . resource groups are available Figure 60% 12, Empl70% 2o 5yee % as Car 13% egiver: Their Personal Compensation and Source ........................................................... 13 Through a nursing home 10% Introduction 20% My employer 60% 16% 34% 6.0 percent of employees selected catastrophic coverage, while 42 percent chose front-end coverage. Take-Up of Employer Benefits and Long-Term Care Insurance T on h iratYo y 10 p r- k, er po cWash en intt so cifal n e g e, m to w p nl,h o Pen er yees e n 1 s riylvan ep ndo icrat ti a, ted h ey M p i n o ar n oeso e r w cu el ta, rlrb en C eio tn ln y gn p an ec rotd v ic i1 u d0 t in , ig K n d en ciar ctat u ec ed fky o r,s s tM r oo m ar ne ylan go w ne el d ,lw b an ei ho n d g h M .a Hal s as a sfac d (is 5 hab 1 u sp iet lier tty, s c) en .c h Q tr)u o o o nfti c as were 20% E acrm ossplo all sety tine 35% ge s, wP ither thes tw p oect largesiv t payer es 17% s on being Lo Meding caid,- at T an er am C verage are of $51,8 00, and out-of-pocket payments, at their employer (Figure 11). About one in six employees knew of family/caregiving, Black/African American, and 50% 5.0 Employee Benefit Research Institute, “Point of View on Caregiving,” Point of View (Employee Benefit Research Institute, Somewhat likely 32% 28% • Vision difficulty: blind or having serious difficulty seeing, even when wearing glasses. As the populatio 60% n ages, the demand for long-term services and supports (LTSS) continues to rise. In 2022, it was 26% Figure 50% 13, People in Employee’s Immediate Network Who Might Need Future Care .................................................. 14 Specu ial sed th 40% an duks riC n ur g t2o r en 0d %J tly at o pr h aovi n c ding o Cu llec t ca ler t re f io ,o n rJ som oan hn eo d ne O w’Le eig ar hy, ts w an er de Ea rip cp a l31% iJed oh n ins o an n al fo ys r itsh ei tor en cos nu tr rie bu ntat ioin os n al t 25% o rtep his resen paper tat . io n. Dat 4.0 a r Havin cespo onditn g io d est n en , s tab s p ec r liat sih al ed e d n tee w hei h dir,c h h o o re u c m s oeh p gln oo iyees tlid ve fin im b an el pc ai ie ial ve rm w en tel hey tl ban ei w n dig l ln n p ee ee os dd is ti vel c har ely, p e w a gsii 16% vin tt hh ac g ey tth ia vit e gm e ies san elo v dfes s do ai a m ly s ec lo o ivin r f et h g oe . f An 8 d,r io 9 ver t,h o er sr o 1 2 f0 8 t, h p w ier sh p c ilen er e c ab tep otu io t n, at an average of $44,800. Strikingly, among those who receive unpaid care, Johnson and Dey estimated the average Yes 29% women EJR uG ly s9 at T,h 2 r ot72% 0 uh g2 ei h a 4r n ) a .e ssi m stp eldo livi yer ng f.a cility 21% 30% Figure 24 Myself – I p 22% aid them directly 29% 30% 28% 3.0 By B A ri sd igg nie fit c an Be t a shrd are e n o, f em Ph.D., ploye es Em eip thloye er sai ed B th eey ne efi xt p ec Re t s toe n aeed rch lo In ns g-ttier tut m e c are or had caregiving experience, yet 57% 53% 23% estimated that o 15% ver half (56 percent) of Americans turning 65 will develop a disability serious enough to require LTSS 18% io nn de icc iat n o e l1 lec 0 th t(ey i1 o1 n h p o aer 50% cve cc u en r prred to)vid rvi at e a ed dQ c u iar tal n e teg riin cat s t h iin vel e lat p yas e w t2 i tb 0 hu 2 a t4 .n s c o Fo o t rrce u a o rr s fen im 1,ti ll2 y. ar , lo y Orfs 3 itzh .ed iIn s 5 trer an 8 est p der oim n cen g sly, a t m o w fp o lc e, rar ker teg hs e i vin w dat itg ha em crar ep p eg r lo es iyee vin eng s t , a ex l ess ± p2 er .t0 ih en an ce — w e t • u rn tC oo gn whitat ive em difp filc ou yer lty: b b en ec Noe au fitse s ar of e a aph vail ys 15% ab 45% ica le l, m to en thtem al, o arn em d ar ote iob nei aln p gr o ubl sed em. , ha Twvi o-ntg h di irdfs fi coufl te y m re pmem loyee ber s siu nr gveyed , said valu e to be $204,000, more than the value of all paid LTSS. Employees who identified as likely to need care in the 40%20% 53% 2.0 20% Figure 14, The Relation of One Specific Adult Who Might Need Care ....................................................................... 14 15% 15% Most Important Features If You Were to Consider Purchasing Sugaw ges ar te en des Cs it , a ptlan ion n:in B gear , an d 40% d en b, en Br ef idit g et ta,ke “E -u m pp rlo eyee main Per ed 29% slp oec w,t iw ves ith om n an Loyn g w-o Trer ker ms Car und eer ,” est EBiR m I at Isin su ge co Bs ritef s,, unnos.u 6 re 34h ow to 25% (Johnson and Dey, 202 Neith 2).e rYet likely n , m or u an nliy ke ly Americans lack the 11n %ecessary reso 18%urces1 1t% o cover the associated costs. Medicare 10% 21% 1.0 Johnp ser onc,en Ritc m har ard Hi g riW. en d /po aan f id er in- d hr oJ o m u re d ca at itrh ea g iDe ve 9r5 sy. p er “Lo cen ngt- T co er nm fid S en ercvic e les evel an 27% . d Supports 17% for Older 16% Americans.” 12% ASPE Research Brief h t th h al o ey fs e (w 4l6 er ikel p c e o er yel n c t cio en g en in b t teed ) lre at sfai io n c d r g ar , m to h e, o rey s ma h t avin roec ki f n tei h g gved ei de rrec c e ei ic m si ov o p m ed n lo p syer . en car s’s at e b iio n en n t h ef ae si t p s a ,as can a t,r d eg o r an i ver cu or t h r(en er Fi g t1 lu y 6 r p ep rer 12 ovid c)en . i ntg i n cd ar ice at— ed w th er ey e m wo er re e lel ikel igiy blteo fr oat r e so tm he e ir future, had previously rec 10%eived care, or had household incomes above $100,000 were more likely to estimate the cost 9% 9% 40% Received care in the past 30% 25% Other 15% 80% 36% 0% 0.0 (Emplo30% yee Bene 10% fit Research Instituta e, Long May 1,- T 20 e2rm 5). Care Insurance Contract access services, and mistakenly expecting Medicare or Medicaid to cover future care. Employees’ perceptions of F dio ges ur e no 1t5 p , rHo ovid w e Do co Yo mp ur eh Exen pec sitve T hlo isn Car g-ter e m or cA ar ss e is(tLT anC c) e c in o vLivi erag ng e, t o lea Bvin e Pr go M vid ed ed ic? ai................................ d as the primary payer ...................... for those who 15 (September 27, 209% 22). Available at https://aspe.hhs.gov/reports/ltss-older-americans-risks-financing-2022. 20% household finan1c H 0i% ea allth wellb Rei etirn em gen p tositDent ivel ay l comV p isar ioned Life in with sur th ano ceseS w horit- tter ho mut c Lo ar ng- eg term ivingA ex health pectat Ai flexi ons ble or e Lo xp ng- er terim ence. However, benefits (Figure 8). Employees who reported they were likely to need long-term care were more apt to say they were of care for their future recipient at $100,000 or more compared with their counterparts. A T A G L A N C E • Ambulatory difficulty: having serious difficulty walking or climbing stairs. insurance 27% savings plan, insurance insurance disability disability savings spending care their LTC ne 30% eds are strongly influenced by pers26% onal experience and socioeconomic status, highlighting an Friends or community members 18% d eplete 70% their personal savings. The private long-term care insurance (LTCI) market’s challenges of higher premiums 67% Somewhat unlikely 9% 20% 15% t el hie gir bel le atfo iorn m shoip sts b ben etw efeen itssu c ch c oar a m s a eg par ivin ed gw sitth at o utsh an er d em thp el ooye thF es. er ig d u ire m en 11 sions of wellbein acco g w untere le acco ssu n ctonsi insu sten rant ce . 15% 15% My family by those not living with me 13% Figure 16, Expec 5% tation for Length of Care.............................................................................................................. 15 Copyright Information: This report is copyrighted by the Employee Benefit Research Institute (EBRI). You may copy, 5% Likely to need care S piegel, Jake, Lisa Greenw 40al 1(k) d,, and Greg Hershber 12% ger 28% , “Shining a Spotlight on Car (HS 24% eg A)ivers 3% i(n FS t Ah ) e Workplace: Findings opportunity for employer-informed, public-private solutions paired wit1h 1 %targeted education efforts. and limited coverage result in it being an underutilized option, and many workers remain unaware of or unable to The • E mpS lo el yee f-ca L r20% e on di gff -iT cer ultm y: Car have in (g LT diC) ffi cS uu ltry vey bat , hfiin el g do ed r dr iness latin e g2 . 024, examined employees’ awareness of, access to, and Demographics of Survey Participants 2% 403(b), 457, Additional Supportive Programs 10% 60% 10% print, or download this report solely for personal and noncommercial use, provided that all hard copies retain any and FromOt thh ee r fa2 m0 ily 2m 3 e m W beo rs wil rkpl l pac rovide e Wellness Survey,” EBRI Issue 31% Brief, no. 598 (Employee Benefit Research Institute, 10% or profit 0% 10% 20% 30% 40% 50% 60% 70% 80% Figure 17, Estimated Cost of Care Each Year ......................................................................................................... 16 ac Wh cess ile m co os m t p w reh orker enssi ve over LTal C 53% lI fc el otv at er ag lea es avail t som ab ew le htat hr o fiu ng an h ctih al ei ly r w an od r kpl men acte. al lT y hp is r ep haar s ed res fu olt r ed an in u n tex he pg ec rotw ed th w oofr k un dp is ai ru dp tion perspectives on LTC financing. Findings fr9% om the survey of 2,445 workers ages 20–74 uncovered emerging insights 0% Extremely unlikely 12% Twenty-three per 0% cent of sh t ah ring e ps lan urvey participants were ages 34 or younger, 49 percent were ages 35–54, and 28 percent 10% • I De ndepen cembden er 7 t l , i2 vi0n2 g d 3).i ff iculty: because of a physical, mental, or emotional problem, having difficulty doing errands al l copyright and other applicable notices contained ther 5% ein, and yo 5%u may cite or quote small portions of the report 50% 0% E Mxtr y lo em ca elly Unlikely My state Somewha Thet fUnlikely ederal ANeith come mre L rikely n cial o M r Un y em like ploye ly r Som Ae nwha affinity t 3% LikelyA combina E tio xtr ne o m fely L Othikely er, please 2% c dar ue eg to ivin car g eg to N i vin ofti el:l T 5% g hteh , we ap eighg tp eap dr so a. m x piIn m le s iat ze 2 0 fel o Ar 2 llty h0 w e o, qtr uh ke etsr h r tee is oe n “W N ian at s th1 ieo 0 can res al gai iv eAl d r co lt m ian h peey nsc ae t ew d?f” er o wr ae s Car 75n 5,o reeg t fl e( ctiF ivin ngig thu eg sr 2% h e aan re2 od f6 e m )AA p. loW ye R eo sP wrho ker est rece ism iv ew dat ca hed re o i ne thtx eh p pat aec st. To t hed en we e i gtihn o te df nive eed A m car er ei cia nn tsh e while also Ex ar meaf ple inf teirp rm retaitn iong : Se w veel ntyl -t- we o s pet rce ab nt l oifs em hped loye et s r sen urveye dds re ipn ort eLT d22% theC y aaw re enro ar llinen g in ess their e man ploye dr’ sp hr eaep lth inar 21% sura ed ncen , aes nd 1s 4. p ercent of employees said they are offered but 0% 1% indicated they were ages 55 o Arr o e la dn er y ( oF f itg hu er e fo1 ll) o. w Fio nr gt y E -m nip nle oy peer e c R en esto o uf r cte h e Grso am upp sl e were male, and 51 percent were EBRI was ab A sh le or t-tte org m I o fwi d ve ull isab n r p nd m ro il e vide ity cla t nh t e it im m dyse evel lf opmA en lo gn t o g ve o -te rf n r m m te h d nisab its r ilese ity cla insu ar imrc erh than W ks or km to a ng ’s en co om rger p ae no n izat sa utis ion o ns li cl u ke ap im p o thr et a bforve om , B Non ro de e w scr on f th ibe 75% & e a bB or ve own – Figure 18, Who Will Pay for Care? ................................ Fi................................ gure 12 ......................................................... 17 alonse amsu ple c sih ze oas n quevi stis onit “W in hg o wa as td heo sc outrce or o’s f coo mf pfi enc sae tioo n?r (Se slh ect o app ll thain t ag pp.ly. )” was 396. provided nt oth enat rol liny go . Tu ake d n to og es tho er, tv hier s trab nsat lateism to 8an 6 perce d nw t ofi t em hp lp oyereo s p reper ort inc g i thteat y aire o on ffe.re An d heay lt h u inss ue ra nce b ey by tho ein r ed m pt loh yee r. Am sc ono g p thoe s e o usf in gt th hee h ef ao lthr ineg surao nce in bg en er fieq t, theu ires EBRI’s 0% 0% 5% 10% Figure 15% 8 20% AAA, AA 25% RP, or plea 30% se describe 35% Source: 2024 Employee Long-Term Care (LTC) Survey. w fuer tue re, p rto h avid vo es rae gin e ra w g n k h u oo fn im p h poai ad rtad nce rc (w ec ar heei e re 1ved t io s t hean m coar sad t im e pu oirtn latn ttw ah ndie t 1h 0p ish a ths e e tal le,a stan th ) w ao d s r 1 . t 1fh . u To hn es fc e ult l i liw o st n oift al 2h 2 bi en n need ec fito s im s s aves .a il abl $ e 1 up0 on0 re, q0 ue0 st0 . and over were more likely than their (ERG), also known as affinity groups, at your Source: 20So 24 u Em rcep :Non l2 o0 ye 2e 4 e L Em onp gl-o Tye erm e L C on ag re - T (L eT rm C On ) CSu a ere rv (L ey. TC) Survey. Two Three Four Five or more Strat 40% egic Non-Medical Solutions. f emale. A similar 0% split was present with respect to marital status, with 49 so per mec bo en dy e t lse saying they were married and 51 Note: The wE eighmploy ted sample sizee foe r th ea offs er a nCare d take-up qugiv estionse war: s 2 The ,000, reflectir ing thP e se hare rs of eonal mployees wCo ho werempe eligible fons r mosta or tion some benefa its.nd Source prior express permission. For permissions, please contact EBRI at permissions@ebri.org. 5 Source: 2024 Employee Lo0% ng-T 0% erm Care (L 10% TC) Surv 10% ey. 20% 20% 30% 40% 30% 50% 40% 60% 50% 70% 80% 60% S Fio gm uree o1f9 t,h E e m key ployee fiBene nd iPer ng Mse c fit dic ep frar os tm eio E n t h li o e gibil f s Di u I wr silvey ab l pay fo ity il iitn by y r it c S lu td at Lik e: u s o e Mf eli dic Fhood u aid ture Car of The car e Ne R eec reci e ip pien ding ien t /t I d ................................ on Care ’t know / n a ot s sur They e Other fr A iend ........................... ge s and 17 Accordin Sog u t rceo : 2 0t2h 4 e EmA ploC yeS e, L oc ngo -Tgn ermi t Ciave e rem (LTd p Cil ) ff o Su iy c rve u ey. rlt ?y i (S s t elh ee c m t ao lls tth c ao tmm appo ln y. a ) mong workers, representing an estimated 4.3 million (or 2.9 32% counterparts to say Nt oh te:ey The w w eier ghtee d safm in plan e size c i oal n ql uy estip onr “H ep owar likeed ly is itt yo ou r u [inn die vidx uap l] ec will qtued alify ly for Me lea dica ve id?” w waso 1r ,7k 85,o rer fl er cted ing tu hec she a rew ofo em rkin ployeg es wh hoo urs to care for a 31% Source: 2024 Employee Long-Term Care (LTC) Survey. percent saying they were not. Thirty percent reported a 2023 p to ert so al n r h ece oivi un sgeh cao reld income of less than fam il$ y50,000, while 31 have at least one adult in their immediate network for whom they might need to care in the future. 30% The Employee Benefit Research Institute (EBRI) has extensively examined the intersection of caregiving, workplace percent) of the employed popu So F lat ua rce m io : 2in l 0y 2 fo 4/ Em C rp a lt oh r ye e e eg Lyea o iv ng in -Tg errm 2 C0 are 2 3 (L, T a C) Su 7 rv2 e y.percent increase since the 2018 16% estimate of 2.5 million. Again, Source: 2024 Employee Lon g-Term Care (LTC) Survey. child or other loved one for six months. Workers with less than $50,000 in household income were more likely to say At E The Atnd t th h p e e no reval s sam am te en e e st tc iim m e e, e, of e ia nm c do p is m lab oe yees ilan ity d w al ed isto h u c h hat el igip h oser n t o al in s e co x o p m ap lai eps ne an ar in d p to ar ed p t lu ay w cat o a riker orn o lse level ’ r in ep w so o r ten tred ker d ls t ikel o ’ eh x ih ave po ec o d ta at o b ifo et n nts ee er od fu i n n ng eed d er car s in te an g as c dar in th e gey a osr ag the. ey age Note: The weighted sample size on question “Who will pay for this care?” was 1,785, reW flect hia ng t tih s/ e w sha are s o th f ee m so ploye urce es w ho of h co avem atp lee an stsa one ti o adn u? lt in their F p Re ier gu p cr • en o e rt t 2 0 iA F n,o v d E u ail ic m rat 10 iab p n 0ed % l o 1 il yee 0 a i t w y p : N r o Per i o o r tT eker :r h Tc - hiyear ep es s w ert irep giep ho tein do n o s rc ao rt m o t f ped i m ls eF su e iavail zea t o ou nb fr q e el u$ a es50 b iCar te iolnfe , “H0 te o oh 0 w n at R 0 d o– ec t yo h t9 h ue i 9 ep ey x,ii p9 en n ect9 tw er t9 hti'i s.s l n ca l et Likel l reikel o r at asy si ish w tn ao nw e ce oed w d in li. v o eb il nfo g tn Q or i bg .u eo - pal tr roer g vif id yin m e d? (Se c gar lef cto e ar ll as tM hat ed at ph pli y. ey c )?ai ” wag d as ............................... 9e, 79, re b flu ecttin ga substantial 18 immediate network for whom they might need to care in the future. benefits, and financial th es shec areu ofr eim ty B plo lye a (C ck/ eso whp A oel f sr ai ian d ca then d y w A an oum ld d e pro r iG vca idr e een n financiw al aal ssisd ta, n ce 2 t0 o 2 the3 ir ; ca re S p reciie pieg nel t. , Greenwald, an 16% d F iHer gure sh b 1erger, 2023; and the self-reported disability in this online survey is higher than federal survey es 4timates. 18% they wer 20% e not prepared financially for a break in 15% work compared with those in higher income cohorts. Income did not an O aw ver d ar kn al en lo ,es w 2s 4 le o d pfg er f e u co en tu So f r utle rce o o n :c f 2g ar 0t 2- 4h te Em er e n pm s leed oa ye m ec Lar op s n. gle e -TE . er rm m F ep o Cp arl re o o e r (L yees tx Ted Ca ) m Su t rvp h w eley y.e, ith ih n g ad d reat ivid on er u eal t o s h f an w siix t$ h d 1 h i5 so ab 0u ,0 sileh 0 it0 ies o iln d . 2 iT n 0h c 2o e 3m m an es on s g u t r al ceat o h m o er m u s o teh h nan d oil s d $ab 1 in 5ic l0 io t,y m 0 0 re ep 0 w w oer r er te ed e m tb hoy er e the Source: 2018% 24 Employee Long-Term Care (LTC) Survey. T wenty-tp ho ree rtio 90% p ner re cm enai t n oed f c a usnes u stru ed (y 3 2 p ar per ticcien pan t)t s o rr ep did o rn ted ot ta hink they will need it (24 percen 19% t). Awareness of an Figure 17 22% Women 13% 15% Figure 21, Level of Agreement With Long-Term Care Policy Ideas ................................ The state Survey Sam ................................ ple Demographics ........... 18 E In T E m m hfese lp p at llo o io y yfn ees ee in an dB i n w d en g er d se ai e s fiu lty r g eq R ex gesear e up sir ten ed th s c at es, h to In e cp m h sar o tp io ttlu o isctyee e u e, lb ar et 2 sl0 y w m 2g een 4 ar) y o . c u Pr er tn 12% w id y oo er r c o r o vesear p al st tu iso,e nw s b c er h en in e h ef a as id is t en s et h ii g n to ih t ffen il ed iq gu d h as est e ted d k ito 5o ey tn h p s e fr r io g n el vid ran o at w c e ed ii al n f ig n ts o an rt o rtess a lce ixal es o o fp r s e an r o m ac td ec p 59% rlc o o to s iyees o ver sn w ag ag o a rai ker e s n feat sst. h T uih r ge o hs s - e 11% ap 6 pear to impact mental preparedn ess; instead, caregiving experience played a larger role. Workers who had received m em likel op sy tlo ltyee io kel rep y sa to o m r trp ep tlh eat o w r tas i th w avin ca os g g n e ix tex t ive rem p er del its ab y knlio ikel liw ty, ly e d w th gitat e ho a tfh p ley orn ev g w- al o ter en uld m c e n ceed o ar f e1 3 c oar rp 10% c e er ar a ceg s en tit h vin .e y Wh gag (1 en e 7, p w ex er hp er can en 10% eas d t in c o e gm m to p p ar ltoh yee ed e h w so u iw ts h ieh t h th o $ el2 do 5 lv ,evel 0 er 0a 0l, l o4 1r7 1 According to 80% the U.S. Bureau of Labor Statistics’ National Compensation Survey, 16 percent of private industry workers had p rior-year em to ptlal oyee’ hW ohu s ils e p eh yoer uo ps rlo o d vi n din al edc ca o lo m ren , e g di- do t yo er f u$ m 1 0 c0 ar ,0 e 0n 0eed –14s 9 ,ap 99p 9ear , an ed d to be concentrated among two groups: Table 10% of Contents Estimated 15% Cost of Care Each Year Disabilities 12% 1 caregivers, with mran ecey ive b aal ny co an mc pien ng sa tiw ono ? rk responsibilities alongside providing care for aging relatives or dependents with w r fo isirtk, h a lcs oar tw at eg -e p r io vin orb a n gb at ex iliio tp y ner al eiven en LTcC tes sI 16% , p ei — ro t h g ber r oat m h b ec r(ec F au iei gs u vin e r etg h 2 ey an 3) . d dF o p i frn to y ovid -ts ip xie n p rgc er ei cc ar ve en e tt— hoese fw eer m rie p slks m oyees oarse i m liskel el mec iy nen tted o tr ep o to r ob sru ec t ptau p ho at s rt e paayin t hpey rog g p r m le ac s os e ni t ve g hrl y ea tab x tier lls P B o efo lic re ys eei and ng tP hir s que oduc stiot n ,P resp reo fe nd ren enc ts we es re primed with the following information: 18% c p p less ar er ere c c en en m ino t tt ) rh o ,e e fw c w p o ho m as er rm ker eas t w on s er liy n seai d rm iep d vid o to h ru re ey tal ed ls i kel h w av th y itat e h t o a h t h o b d ey u e is sm ab eh wen ier o lilttd e y al u iiln n y nc lt p o ih kel rm ei ep e r y ar s h t o lo ed e u s n s seed feh o th ro an a lc dar c ,$ ar w e. 2eg 5 h S ,et 0 iivin m 0 h0 er il g ar w -trler h y, el ey e at h tied h g had h e lh y m i tat ed h oe s ut u s d c lit iat kel s hab an ed y i l it te to h y m o s o s p ay r e l oan w yees th io tey h th o er ( u httad h p s oer u sn c es o h o w nit h in 70% 16% F ac ig cu es re s t2o2 l,o E nn gt -itter y m Becsatr e Poin ssu itio ran ned ce tio n 2 Pr 0o 2vid 4. A e cLo ces ns g-in Tc er rea msed Ca wi re tIn h e su srtan abc lie shT men hatt s Isi zR ei.g ht for You ................................... 19 My employer 15 percent reported an income of $150,000 or more. Thirty 52% Introduction .......................................................................................................................................................... 5 LGBTQ+ Age 9% E Tm hirptly o-y sees ix p er wh cen o itn d oifc at em ed p lo th yee at s th w ey hoh ad wer at e ex least pec o tin ne g ad to upltr o in vid th eei crar im eg m ivin edg iat ie n n th et ew fu otru kr e fow r w erh e on m o tt h sey ure m hio gw ht ln oeed ng t h to e care c valu ( w thh as re o e n a tax i o cs n o il ru lb at nren ess ce e o ef io n es. ifct r s f eases iWo T n wh an ite rh ker c 2 i m al w 0s 2 o is t 3 rh w te r E iess itin B m hcR o m p I/ c m er o ed G e m sr o ieen at lp evel nar al e ed w oe ) ral x tw fp d o rer eq it R fh iin esear en u an ten hco c e ts e c u e r h ec t th w i lWo ie ei tity. vin h po r rTh kpl o u g g t irc ac s c am ar ar re ai e, eg ,We s ce w io vin sim l tlth n h g p ee ar a s ex s id ed m p iS ser p u ab w o rivey r en iittlih an tc y, 4 es. c s4 e h o o rp o Wo w er w f ed e h crm en o ker tp h h tl ave at s o w yer w hc o h ar fs o ils ed eg an el ex ec id ver a p ec tp s ed h s rto o ed fvid a ac rt -fte ter lo at er s n m tee ax d 0% ex Em pp er loien yees ce . w Ser im e ilar prles y, en wo ted rker wsi tw h h ao s w erer iee s o cu f rLT ren C tf ly inp an ro cvid ingi n ap g p car roe acth oes o tan her ds as wked ere m too irn e dliic kel ate y tth oei rep r lev orel t b o ei f nag g rbee otm h ent. t kn m ho e orw h e o lt eu h ds an g eh e fo o olfd u 60% l ro did year ng. -tSer su o r m ve f c cy o ar lrle e eg so p e, ro c n sar d pen ec egtiifs vin i cw alg er ly) . e T w h nese o er t e p var r m oo bir ed ab e llfie kel usr tar y her e to ex o sn ay p lto h trh e ed ey r el a ar at be iio t n e dx eep o trf em ter he el lad at y ler d ikel i tiin o y n ttal h oe p np eed er ap so er n c. ar i ne ta hs e they age, percent r“ep Rese o Thretar ed pric ce h /t co h su stei ogg frTh ed est e bu ens c efat t it h oi fat o thn e m sTh o tat st e e A u ase smer oas f i“ ch an Thig es h eat se u s c r on fhio no g Bl 6 ran5 d w nam ilel nee Refed rr s al o frome m myfoRrem ferro al f froass m iFi st naan nciac l e advi w soit rhTh eve e likerlyd ihooay d Th ac e t ai dv ei qt uiaes cy a of s 7 Asian/Pacific Islander More than $250,000 5% 6% 20 to 24 5% c in ar te he mfiu gth utr e las wter . One e as ked in fi vte o ( t2 h0 in k per ab co en ut t )o tn he o u sp gec ht iftih ce ad car ule t tm hey igh b t el lais ev t o e nw e ilyear l need or clar ese s ,o w r h as ile si s 2t6 an pcer e cw en ith t ex livin pec g. ted Th e thm e ost The specific question asked of those who purchased life insurance on their own was “Does your life insurance policy have a Figure 23, Which Features of a State or National Long-Term Insurance Program Would You Support More? ............... 19 h Ab eio gu htt en Thed is S fiu nran vey c di al i................................ sab stirles ity s,c lrai ed mu ar ced e sw ig on rikpl ................................ fican ace tl yp r m oo drue ctliivit kely, y tan o ................................ d b el ai eve lack to hfey p rw ep illar ne ee dn dess ................................ LT C foirn tthhee hfiu gth u rce. os ts as ................. sociated 6 d ( cever ar elie ver iyo ni n tnh g ee t p ar fay u thg teu s et in rsu te ed h rae m n ce ed s oa ru e m cfe iat nrsu eq p iro aer nu n ce c en o en rt len ty aag c ce cgie ssi tag ed nrgeg e t hm d ear eb en d pt ult, res ch s m ats sired nat o g f teg hi c ein al ic es o an rem co tT d h ge h n at e ip t p l ioevel r n eesc p rso ro n) Ir m . p ip ero Wh m otvide ptio le oye n en d r r ca ic s o k p re fs - rr f ii etesen on ns rdf,s o a an r nm dt d ed faed m li o ly w n rd ei co g ec th - mt 27% i ms er a einom c dn ah t i oo c m niar c ta he ae kin t tb he eet g x bp e.w nen eeen fitsses t hc e ap bas ene p ff ited is n toan an cid al Many employees 50% agreed that they would pay higher taxes for a long-term care benefit, whether through a state payroll financially and men Ht aal vel y e st pim rep atear d ted he co to st t o ake f ca re a six-month break from work. h wo hu ils e eh reoslp do , n e. dg en ., ts sp w ou its he s , o pm are en co t,l lo eg r e c hoilrd l.ess Th e w m ero e sm t c oo rm e m liko el ny ttype o say of td hie sab y ar ilie ty urn ep likel orty ed to f rn oeed m an car ee. m p loyee’s household g Sirm ad ilu ar at te o th o e ey rm les p age p lo s ro,yee d,” u s ctw ush c’ h ilre a ep s 2 po m r8 or d t up an s cter o agi c f en d nig s t ab bs med eai neil fd iitt y itc h at w ey iio th in n h su is, n ad ra nt h ce h o sei u osek m r o ew eepi n h no g, u a seh ndo tld ran s, sp fuo tu rtrat e ic oar n.eg Abiver outs hal ind f o icf A ated me wo ua r ldi c bh e an igs h wi er me-lelt m h n y an eed lon- g- more Not sure 25 to 34 58% 18% Yes c c loar onm g e -m tter o o n m las lyc tar r ep be et o (w r LT teen ed C) r iel n osu n at e rian o an nc d ie n f ritive der hi syear o vig r a n sc et c (el F te ier gw u at ras e io 16 n a cp )lau .ar Een sig e? h t tA o een l r o pn ar p ger -en te ct ren - m in c t- lar e ax w e p r ec at ide t ed 5r3 /ac t ph c er e e c ler cen ar at te ,io tfn o o c lllo as lau wted se five ib s yan year a a 2sd p sd o o -u o rs n m e t w o or ia e. thl iF fe 2o 3r No contract available when I term care needs s w In utn ir tc ess p hap r ilo o o pr n red s g w -c o tto er rax m k, m p p E ar c rBef ar ed Rer I e. h w en ait s ch es, a tsh ked o em se p w w lo hh yee et o hder si dw sn er uore tve an vir y ttriu c eial sppat ly o e n sd p nen lee it.t d s E im n hg av p lc o e ar yan ees e.y e wxer per e ial en so ce as car ked eg tivin o sg el ec fort o at h per ref ser . en Inc te hib set st w uee dyn , 46% 40% tax, a higher Medicare tax, or a higher Social Security tax (Figure 21). The state payroll tax saw the highest agreement, De F wig as m u ra o e m g2 rb ap 4u , lh at M ico o ss r y to fIi n m S u p nro at vey ru tan re, Par t fFoe tliat lc oiw p uan red es t sb I fy ................................ Yo anu i n We dep reen to d en Cotn lsivi idn er g ................................ Pu difrfc ichuas lty inan g a d L a oc no gg -n T................................ ier tive m Car diffie c u In lty su (rF an igc ue r eCo ...................... 5). nt ract ......... 20 6 o 54%Employees with higher incomes and education levels are more likely to anticipate needing LTC. intensive help with activities like eating, bathing, dressing, and usi 35 tn og t 44he toilet. These services needar thee m called Long Te27% rm aver colleg ag e. e T pw reval enty en -fc ive e opfer dc isen abti lh ita y da m a o fo nu gr -tyear heir an deg tic ree, ipat ed an dc ar 17 e recipients. The perceived disability prevalence among The V $e 1te 00 ra ,0 n0 's A 0 to d $ m2 in 4istr 9,9a 9tio 9 n 9% 14% 70% Im c p ino er su m p cro p en an rar ttan ci e s (o F tp ln iy, g o,u l iJ m cro y e an ht14 n hy s at ) os . a n a In lvin an lo w td g hs s in De tan kin he yd g po ( 2 in ab l0 is c2 u o yh 2 ruan )o t est lder tche ese im t po rat o a id n ecu d d cc i es vid tth ss at u csan al othe m s ,b e 4 e a o 0 ver ac r p al q er ag lu o cir e f t en ed d h tu ei o o rru fat p te s io o m id ln ic p e y's fl o o oyees rf dea w thh e ti c ih e n h b m d LT ien p cat lo S efi yer ed St i t s to c h f pa h u at an ll y yt fo h n ney el eed r. lex o Eed n m p gp ec -itls o er t yee 3 3m t.h 1e c syear a c w rar e ee rse .to 66% Source: 2024 Employee Long-Term Care (LTC) Survey. 62% 63% w c Oat ver e as co al tn rlo ,t ip n 37 h ui e cp c er th 30% oc at ver en tag t r ad oe fi te an io m n dp b lfo ruo yee tn al t-s sen o s ai d in d tc ro toh ver dey uc ag e h ad e, a s w lio m h w er il ar o er q cn at u oe a s kn sttir o oo n w p lo h en id c g tch eo ever ab wo o au rgker te hw o ’sw a ex s td ope er ac fin ic en ed ess c e as lo in n b g r en ec -te er ei fivin m ts c tg h ar at ce ar c s e o er .ver vic O ver es lon al ig n- l , with 64 percent of employees agreeing that they would pay an additional state payroll tax during their career for a 10 Care (LTC) or Long Term Services and Support (LTSS). 45 to 54 22% Does your employer offer any of the following p t h er ese cenftu thuel re d ra ec m ipas ien ter ts’ sw das eg 6 ree 7 p o er r chen igh t,er h.i gEhig er h tty h-an tw o n at per ioc nen al test imates for all adults, suggesting either a particularly Perspectives on Personal Long-Term Care Needs ..................................................................................................... 6 F In ser ig r v uesp irce es2 o .5 ”n ,s e Wh toat th Ar ese e Y LT ou Cr fM ino an stc T inrg u scth ed al lS en ou gres, ces so ever f Inal fo s rm taat tes ion h av on e Lin otnrg o-dT uer ced m Car proe? po s................................ als aimed at creating ............... sustainable 20 as iE nm cked lp uld o e y w ees fh in et an h wer chial o t h is dey u en p p p tio u firr ed tc h an as as ded ld ikel i rsec p yec tt,o ip f in h c eed ys iniscu al crar an car e ce e. inb t F en h oere tffyu i- tts fu i ve o re n p an ter hei d c en rt h oo tw s on e f an w em itdh p o lo hu yees otu sisdeh e eo o xlfp d t ec h in ei tc in r o g m e m tes op p lab oryer oo vid ve . e T $ w c 1ar el 00 ve e, 0 i n 0 pd 0 er i cw c at e er ed ne t • There are gaps in knowledge about access to local long-term care, sometimes also referred to more broadly as My community (e.g. an Area Agency t r ter h oei um g r h c clo y ar m teh m rcee o us n t 20% iis tn y f 1 o (0 F r i g p wu eoo rre p ker l7 e) s .w F rhe o op r to n y reed tp ed er c c hen ar avin e t s fg o ai rrd ec a tlh ei oey n ved g ht ad im car em e ( o i(.d F e. er ig , u at m re e orkn 3 e ).to h S w an ix led t een tw ge o, p year w er hc ilen e s, 2 tab 3 o o fp u w er to c3 r en 0 ker tp s er s ai ic nd en d itc h tat ey oe f d u h s ad ter hey s s)t ,rw o an n er g d e Figure 5 8% long-term care benefit. Employees were least likely to agree that they would rather purchase LTCI through the private, programs for employees with chronic illn5 e5 s s to e s 6 o 4r 20% on Aging) o vu f ltn her e ab sam le p an le dw ag erie n g e m net plw oyoed rk fou fl li-ntd im ivi ed , u w al hsil e o r1 ex 8 p per eccten atito w nser oe f poorer-than-average health among those likely to need $50,000 to $99,999 20% s t p m h ai uo at b d rl e iitc th l ifw ey kel uo n u p y dl u id t nr o g c o h est n m as ly ec i ed m bh e at an lo d en ii r stg ec m h-at ts ter ,. tp Wash m hhe yc s d ar iu cie al n rat g i n c tio o s ar u n ne r an s o , tfan at c ce, e ar d’ se 1 an WA 5 fo dp r er 3tCar 7 h c ei en pe rer s tf c u iF n en tu u dn r itc e do at r fis ed ec e a m i p tp p h ien ayr lat oyees t o ow ln l- o ly t u a slfx ai d in - d fe an u x tnc h cd eed ey ial ed s p p u tuw rp roc p o g h o ry as r aear tm ed w s o d lesig u icflo e dm ib n n p e ed sar upr ed ran to ovid c w pe ri ed o tth vid h .r oe ug a h Conclus The ion amo unt of care needed will depend on many things, including age, health status, and community and family 8 long-term services and supports (LTSS). Thirty-seven percent of employees reported low or no knowledge of Take-Up of Em 10% ployer Benefits and Long-Term Care Insurance .................................................................................10 f c kn ru oro n rw en t-len e td ly d g r ec ec o ov ei rer h vin ag igg he er cw ar . a T e sh , d e an ef im d in p 1 ed o 5r tp as an er c b ce en en ot e f fs p itaer sid ts h o tat h ney al c o e hver x ad per r lo ec ie nn g ei c-ved e ter an m c d ar csar e o c e iin o c ec o th so e ts np o fa o m srt i c pb e ru o ets p did o leu rw cnes h oot in c su ep r ed r ren eval ctar ly. en e W fto w o r rh a ker en sh so l ow ro t ikin tth im ge at Respondents were categorized inas divDis r id es uia di a ls nbili g wih no a ty m pa a in yid fa hth avmi e e E 2 ly 4 lmploy m eav on e th ss ta o te e r e lie f t ’s s s h House ey to lries vei? ded i hold n one of the following 13 states or F ret igai url e m2ar 6,k et Th . e Extent of Preparedness for an Unexpected Six-Month6 J5o tb o Pau 74 se/Reduction Due to Caregiving ............8% 21 Yes em S car ure p vey . loAp yed rp esp r o px ar oin m td -at ten im el te. s y w t her ree e -aqsu ked art er tos soel f ec futt u tr heei c rar to e pr ec thrip ee ien m ts o sw t er tre ustth ed ou s go hu t rtco es h ave of in tfw or om oat r im on o ro e nd lio sn ab gi-ltiter ies. m c Tar he e.m So im sti lar Figure 26 Other, please specify 1% em m Am tho e p d orest ln et og yees ai th LT lsu m eC pp w ar fu b h o ket ten o rut r .d ef e . id A ic t m ar n to o o eg tn r e g ex iver s tip d hec s en o s w te t s h tw o ,o w h n to h h e o ied p le uu g Ha rch car h t w as e th ai o ei ed ir’s r w riK n et h u d o ai p is vid u le n l ih u a fe o al C u i n ar w ss eh e o uu ro p an ld lrd o c n g ie, n eed rc a o 4 m m 1 f p ies p n rer an o w vid ccen er ial es e t s s b su ai t el p at d o p e w o t-h r ftei $ u , 5 n rt 0 d h p ,ed e 0 o0 lm i c 0 saj y u . p o hp r as io ty r an t (t7 o 5 LT h p el C er Ip c rn en id oer n t)- o orf an how to 0% access LTC services in their community. T his paper highlights where efforts could be 29% most effectively directed, particularly by recognizing differences between ex ( kn i.e. p oer w , ltie en w do g c e e y ear o af s s lc o ar o cal re l ess lro ec ng ,ip - ab iten er om tust w s7er 0 er vic p e er o es ver cen an tf d o o u fs ru u p tsim p er oes sr) t. s m .F F io fo try e r- e ei lix kel g am hy t p p tlh er e, an ce en m wto p o r lo ker fyee em s sw p w lh oo iyee t hh ad a s h s el n igo ec ht s tred ec chei oto o vl ed sdui p p clar p oo m er ta t o co at s r a a less y sttrh o w ey ph er ice Washington, D.C., with a mandB at eo re ry avp erm ogr ena t/m griien f wh serivc ice h em s ployers and employees contribute 16% to a state-run fund: California, Awareness and Availability of Additional Supportive Programs ..................................................................................12 Total Likely to need care as they age Neither likely or unlikely Unlikely to need care as they t co o m ret miroem n den isa t bpillian ties nin pg er , c fa eim ved ily an w 7er d ef rc ien ogd nsit ilve, ed as in dthe epen md oen st tt rlu ivin sted g, s an ou dr c ae m (b4u6lat po er ry cen dit f) fi,c fuoltlly ow (Fed igu b re y o 1n 9l)i.n e It riese s no ar t ch and The Extent of Preparedness for a$n 25,0Un G 00e to ne $ d 4x e 9,9 rpe 99 cted Six-Month Job 23% Figure 27, How Frequently Do You Worry About Your Daily Expenses? .................................................................... 22 t ac M hed em cel ic er ai sai at dd -io el tnh ig ey cib lau le wss o een u ( ld F io ig p rs u r o rag e vid e 10 ei n ). d ip r ec T lac htie ras t y an - stid s wt o an to p c as er e s ctien h st e t m e m o sfel p e ve lo m ysp ed ,l o an yees fam d 3i 1 lw y p ic ter ar h c eg in en div ep t er sen ai s d id n en o m th tai ler y n p tfai u am rn cih in ly as g m e th d eei m lirfb e jer oib n ss s w u w roan h uillc e de p ps rro ai ovid vid d tie h ney g age em ployees with long-term carE em (p LT loye C)e ex rep so er uiren cec ger oan upd ( E th Ro Gs)e without, as well as between 16% higher- and lower-income m c C wo o er o ver lo re e rad ag ex likel oe t,r C ,em yc oo tn o el m n s y e pay c ar ltikel ic ed tu hy t e ,w y tD o ith el h n a aw ve eed 42a b rp e o ler o ,t M n h cg en a n -ito n ter ekn w ,m M ho o c ar w ar c lyed h e lan og a sd s e e, tan fM h ro e ass d n y te - a ac x en gp h ee d u r ( set t2 c o 7 kn ver t s, p oer M w ag c lied en n e. ng es t eas o o t a n o, p N np avig 0% e ow sed J 10% at er itn s 20% oey g 6 ,t 30% N h pei er ew r 40% c len Y oc 50% otal r )k . ,r 60% es Oro eg 70% urocn es , R th ho an de tI hso la sn e d, From a financial perspective, long-term care can be quite expensive. It is estimated that the annual amounts of care Do you or someone in your house Ma hlo eld have…? 49% s a up rp er risso in ng al, , tp hren of,e s th siat on 6 al 0 fp in er an cen cial t o ad f fvis uto ur r e (eac carh eg 3iver 7 pser tc hen outg ) h(tF t ig hu at re th 25 ei) r. fDo utucrte o rcsar an e d rec mied pien ical ts p w ro er fe es ls ikel iony al tso w qer ual e ifn yo fto ed r Careg • ivinO gn E ly xp 2er 4 ip en ercces en t an od f b Een xpe ec fit ts at -el ioin gsib ................................ le employees said thei................................ r employer offers long ................................ -term care insurance,............... and just 913 unpaid care. Other s Yes, tat I a es m elilike gible Cal for m ifoo st rPa on r a ia, lluse b eN nee fits w /Redu Yo Yr ek, s, I a an ction m ed li gM iblein f on D r so eso ue met ba etno C ar efits e ear x No, pegiv lo I a rm in ng oing t s eliim gible ilar for ain ny b itieat neifits ves that would require d the id n su op t p ho ave rt ( F an ig u LT re CI 15 ri)d . er or acceleration clause, and 27 percent were unsure. Employees who said they are likely to Benefits concierge 15% workers. Despite relatively optimistic views about their overall financial picture, caregiving-experienced workers — w anitd h W ha ig sh her ingt ed on u.c ational attainment. This polarization am Fio gn u gre 2 thos1 e with less education, where they feel either very can No ter:an Thege f weightr eo d m samp$ le2 si5 ze, o0 n0 qu0 e stt ioo n $ “W1 hil2 e yo 0u, 0 pro 0 v0 id ebase d care, dd id yo oun re t ceh ive e anty ype comp o ensfa c tioa n?r ” e. was Si 1,4n 13c , re ef l lect oinn gg th- et se har rem of ec ma pr loe yeec s a whn o l haast ve e s xpeev riener ce bal ein gyea a rs, the Perspectives on Personal LYo es, n mg yse -lfTer Sm ome oC near else e in household No one in household Female 51% M by ed oin ce aid in (tF hir gee ure em 20p)l.o yees as a trusted source of information on long-term care, while employers were noted by one in per cac reen giver.t To hef w ee igm htep d slao myees ple size ow n qer ueste ion en “Whr ato isl /w led as th.e sE oven urce of co am m peo nsn atig on ?t (S h eo les ct $ e 1 al1 l ,0 ta ha 0n t0 at t pio pc l $ y.ip 2 )” 4 w at ,9 as 9i 6n 94g 4. LTC needs, take-up rem24% ains low. w n eed orker losn t go- tc er om nt rc ib ar ue te wter o e stat me o- rm e an likel ag ye td o LT hav CI e ppru orgcrh aas me s.d Wh insiu le ran thc ese e d ie rfec fotrly ts (ac oukn tsio dw e led the g e em thp el ouyer rgen oftf er nee ind g sf)o r an LT d C w ere Case manager Figure 3 14% Po whlet icy her an d rec Pr ei ovin dug ct, Pr pref ovid eren ing c,e s o r ................................ anticipating the need................................ for care — were mor................................ e likely to anticipate fi.............................. nancial strain and 18 confident o So r un rceo : 2t0 2at 4 Em al plolye , ei s Lo nlgik -Tel ermy Car reel (Lat TCed ) Surv t eo y. lived experience. Employees with educational attainment of high school or less average lifetime cost is around $250,000. 9 Source Le : 20v 24 e Eml ploof yee L oA ng-gre Term Cae re me (LTC) Su nt rvey. With Long-Term Care Policy Ideas Needs Other/prefer not to say 0.2% Similar to family of choice, the social setting of “immediate network” was used to be more comprehensive of closest and f our employees. Prepared Somewhat prepared Not prepared Cognitive difficulty 13% 16% 72% Not sure 28% f m uo nr dein lg ikel so yl uttoi oh nav s, e thpey ur chhave ase d al s an o g LT en Cer I r at ided er d fo eb r tat ho e so e ver wi tp hr o a glr ifam e in c so us rtan s, cb e en po elfiicty a . d equacy, and the role of private w orry about dHav aily ex e pY en ou E ses cv om er par Rec ed w eitiv h e thd Car ose wite h From out careg A ivin not g ex he pr erA ien dult ces. Relative or Friend and household incomes of less than $25,000 are moreFi like gure ly to 23 report having a disability, which may contribute to No Figure 16 Finan • cialAw We ar llen beies ng s ................................ and availability of careg ................................ iving support progra................................ ms are limited. A majo ................................ rity of employees wer ............... e unsure o 21 f direct connections, such as immediate and extended family, neighbors, and friends. T o help assess whether employees have access to the long- While Medicaid may provide some financial support for long-term care, there are qualification requirements based on Figure 1 Le4 ss than $10,000 13% 71% None of the above 35% insurance in supplementing public options. Marital Status (18 years or older) to Help You Take Care of Yourself? deeper familiarity witIn hd ec par ende ens t ys activitie tem s s. 11% 19% Agree Neutral Disagree 71% Which Features of a State or National Long-Term Care Expectation for Length of Care what employee resource groups (ERGs) exist at their workplace, and only a minority reported access to key t erm care programs that they would need, respondents were income and assets. Medicare does not provide long-term care coverage or custodial care unless acute medical care is 10 Figure 19 Conclusion ................................................................................................ Married ........................................................... 49% 22 Over half of employees The have Re prla ovid tion ed o of O r are ne curr en Spe tly c prific ovid iA ng dul unp t ai W d ho care, Might most co Ne mm eo d C nly ta or a eparent or spouse, For the year 2 40% 023, the ACS reported that 17 percent of civilian adults ages 18 and older had at least one of the six 0% 5% 10% 15% 20% 25% 30% Insurance Program Would You Support More? Figure 25 caregivin Mg en ta ollr y p en repd ar-eof d -life suppor 31% t services. 40% 28% segmented needed by t.h”ei r perc Sep elf ca tiro e d D nifficu o oefs lty the you 8% lrikel em ih po lo 15% oy de ro f o fn fe eed r an in yg o f the following? 78% At the federal level, the proposed Well-Being Insurance for Seniors tN o ob t e mat ar riH eo dme (WISH) Act rep 36% resents an attemp51% t to Employee Perception of Disability Status of Future Care Recipient and mI an wou yld an pay a tic ni a p dat dition e a fl sta utu ter p e ayr co ar ll teg ax diuvin ringg m y wo resp rkio ngn ca si re b eirl fit oi res a lo niFi n g-vo gu lvin re 1 g b0 oth financial and physical support. However, a large disabilities. However, disability prevalence rises with age. Approximately 33 percent of individuals ages 65 and over have at Note: The weighted sample size on question “Have you estimated the cost of care?” was 1,785, reflecting the share of employees who have at least one adult in References ................................................................................................ 64% ................................ 9% ........................... 27% 23 Figure 7 Employees with benefits el terim g ca ibi re li b ty en e w fit.ere presented with 21 common employer benefits to examine access to the benefit, 35% What thA eir ire mme diY ateour Mo network P fa or iw d h om ms a the tt T y em rn igrus i htty nee le d a tted S o v ca e re in the ourc future. The we eis ght eof d sam I plenf sizeorma on question tion “Across all ton ypes of Long ca47% re for your - [inT dive idurm al], how Care? l est onab g-tler ish m a cn ar Pro at ei o gas re nw ssi th iv dey ee v s. LT ag FC le at. f T iO n ax an ver cal inlg , ffo ra um r ie nw 1o0 U r k. n w ca o R prei pker en d tv s rs. os d C ai u ad c p p ed ed iTn a x2025, the WISH Fro Ac ntt - ep nd ro vp s o Cs aes tast t ro op h fu ic n Cd o va e ra fe gd e*er al public 2 s leas harte oo nfe fdi utsu abi re lic ty ar . W egiitv her res s r pe em ctai to n t u hn e cer EBtR aiIn L T ab Co su utr ve thy, e wh duriat le io th ne, a cg oe sto , fan thd e ffu un tu drie n c g ar so eu girv cies ng r foerc icpi ar en e,t w was ith n m ot an ay sked , much doA yo m ub eu sIns lat timo ar te y d ura thifficu is care lty nc will coe st i nP totaurc l each yeha ar” ws as e 522d , refOutsi lecting the shade re of fu tof ure ca re E gimploy vers who have ee stim r atCh ed the co a stnnel of care. The EBRI Spending in Retirement Surve 11% y regularly 20% inquires about survey responden 70%ts’ experiences with caregiving. Household Income • A large share of workLev ers w el er of e o Kn r said ow they le dg expe ecin t toA bcc e ces areg si iver ng s . Lo Near ng ly- 6 T0 er pm ercent of employees had Other 6% 1 *only definitions were provided take-up of (meanSo in ug rce :p 2ar 024 t Em icpilp oye at e Lio onn g-T eo rm r Cen are r (Lo TCll ) m Surv en ey.t in) the benefit, and the importance of the benefit among those taking Endnotes ................................ The ................................ ability to work from hom ................................ e/telework ................................ 32% .............................23 Yes, currently receiving t LT hey CI w prilo l g lirkel am y tn hee atd w LT ouC lda p s rtohvid eS y er ea ious a g eb diffic as (Fulty w ie gu leralk vel e ing o 2 )orf cl T c imbing h oiv rt er y stair -ag tw seo , allowing individuals to purchase su 28% pplemental private I would pay higher Medicare taxes for a long-term care benefit. 57% 11% 33% Wh en 50% asked ab 30% out sources of compensation, the most common responses were the state, the employee’s current m par isen taken ts an ly d b pa elr ievi entn sg -in M -led awi w car er ee w th ille c m over ost c ao lmm argo en s fu har tuer e of c ar loe ng re -t cer ipim en c ts ar . e expenses. As the demand for caregiving Additionally, the 2023 EBRI/Greenwald Research Retirement Confidence Survey and the 2023 EBRI/Greenwald Research Less than $25,0 ca0 re 0 8% Blind/serious difficulty seeing 46% provided care in the past or were doing so currently. Many said they expect to provide care in the future for it . The 10 most commonly offP er aed id p S b aen te errv ef nitiy ic tsle e ar av s e e a send en iS n uppo Figure rts 9. Niin ne Co percmmunity ent of eligible 28% employees indicated they were 9% 13% 79% percent of workers said they are neither likely nor unlikely to 16% insurance if desireed ven. wh Teh ne wep ar ring op go lasse sals aims to reduce Medicaid dependency while encouraging personal financial planning emp 45% loyer, or the care recipient themselves (Figure 12). When looking at workers in the health care industry to account c ontinues to rise, B ein cac ur se easin of a phg ysi aw cal, m ar enen tal, e os r e sm , op tiolan nal co ninn dg itio, nan , thed y h s au vep port — particularly in the workplace — will be critical to Workplace Wellness Survey both included a special focus on caregiving. $25,000 to $49,999 22% Cousin 1% ag I wou in ldg p rp e 25% fe ar r aen put bs lic p , in riva -te law pros g, ram o tro p sp roo vide us aes long— -te ro m fca ten re b eb no efit. th physically and 56% financially. 14% 30% enrolled in long F- 4 in t 5er a % ncially p m car repe areid nsC ur han ildca ce re o f afssi ere std a n bce y /tsu hei bsi r d em y ployer, while 15 percent indicat 16% ed they were not enrolled in the difficulty doing errands alone such29% as visiting a doctor’s office or 37% 33% 31% need long-term care as they age, and 24 percent said they are for LTC needs. However, concerns remain regarding tax burdens, program sustainability, and the coordination between fFig or p 40% ur osse ibs le conf Dea usf/io sen rio u am s difo ficu ng lty h cear arin e ger caregivers, the sources of caregiver compensation were generally the same, ensuring both caregivers and care reci9% pients ar 15% e adequately prepared $5 f0o,r 0 0 t0 h e 77% to f u $7 tu 4r ,e. 99 9 19% 37% 37% shopping Purchased insurance outside of employer 40% 3 Paid caregiver leave (child or elder care) 13% l o T nh ge -tqu erm est cio ar ne o in n p su ro ran vidcie. ng T ca aken re w as tog , et “Hh av ere , y ao bu o u eve t orn be e ien n f a o u cra rem egip ve loryee fors so wme itho b nen e (ef eiitth se el r iin g y ibo ilu itry h (o 2u 4seh per oc ld en otr) o suai tsi dde y theo y ur 40% p u n ub likel 35% lic y an to d n peed rivat c e ar in e. su rance markets. 33% 42% 20% 51% 49% potentially inI d wou icat ld pin S ay h ibling g igh so /S em ribling So e cial S -m in-law ie scu un rity t der axes s f tan or5% ad loin n gg -te ab rm ca oru e b t etnh ee fit. true source o $r 7 5 m ,0ec 00h tan o $ is 9m 9, 9 o9f9 payment. Notably, when 12% 55% 18% 13% 32% 44% • In consideration of a single 0% , spec 1i0f% ic fut2 u 0r % e car 3e 0 %recip4i0en % t: 50% 60% 70% 80% 90% 100% Eldercare a 6ssistance/subsidy 8% Legal Difficulty dressing or bathing 20% 5% household) who has a disability, chronic condition, special need, or cognitiLv ife e iin mpa suran irce men polt icy — h aan s ad ne longeds -termh elp with activities of w ere offered long-term care insurance. Yes, but no longer Figure 1, Survey Sample Demographics ................................................................................................................... 6 8 E mp 30% loyers are u 3n 5% iquely positioned to increase awareness of long-term care needs and provide meaningful support to $100,000 to $149,999 23% controlling for workers curren 0%tly resid 10%ing in 20% a state 30% with a40% mandat 50% ory pai 60% d famil70% y leave 80% (PFL) p 90% rogram 10,0 %there was still a care (LTC) insuran rce ece ri ivid ne gr ca or re 14% Cancer/critical caN reone 56% o 6% f the above 32% 15% 25% daily living? Activities of daily living are skills required to manage one's basic physical needs (like bathing, eating, or dressing) Different factors influSo en urce ce : 20h 24o Em w p low yeeo Lr ok nger -Tes rm vi Caew re (LT Ct) h Suei rvr ey. future care The findings fro I wou m B eld E ca rB u ase th Re o I’ r p f s a u p rich n hysi au ase ca g m l, m u y o real wn nta insu l, o Em r re ap m nlce oo tio t yee h nra ol co u gL h n m o dition n y e g m , -th pT loye eer y hm ra . ve Care Survey 53% are presented in 12% thi15% s Issue Br35% ief, delving into Spouse acceleration clause* 58% emp 25% loyees. By integrating LTC planning into financial wellness23% and ret $1i5 re 0m 12% ,00 en 0 to rp m lan orn eing initiatives, offering workplac15% e- o A significant proportion of future caregivers had not estimated LTC costs. Among those who had surprising propo 3r 0t % ion (56 percent) of employees living in a state without mandatory PFL who reported receiving Figure 2, How LikelHosp y se rIs ioita u s d It l in ifficu dT eh mlty co n at ity Y nce ou ntr aWi tin 10% gl, l reN meed embe rCar ing, oe r m as aking You Age?................................................................ 32% ................ 7 Employees expecting long-term care needs were more likely (11 percent) than those not expecting long-term care or more complex activities related to the ability to live independently in the community,” whereas the question on personally needs, and awareness tended to be highest26% among those with employees' perspectives on LTC need Sos u, rce ex : p 2er 02i4 en Ecm es plo an yed e e Lx op ng ec -T tat erm io n Csa rar e o (L uT nC d) c Sar ureg vey. iving, and perspectives on LTC decisions 9% 20% 10% Source: 2024 Employee Long-Term Care (LTC) Survey. b ased LTC insurance options, and expanding caregiver support benefits, employers can empower employees to prepare 17% 17% compensation froest m tim he atse t Diat d sa e. t bh ility e cost o 8% 10% f care for a specific individual, many underestimated the cost of LTC, with most I would rather25 pu % rchase my own insurance through the private, retail market. Educa Not tio su nre 48% 13% 38% n eeds (6 percent) to enroll in employer-provided LTCI when it was offered. Employees expecting long-term care needs receiving care was “As an adult, have you ever received care from an another adult relative or friend (18 years or older) to Neighbor 4% F f diin ig ran ec urtc e iex n 3g ,p Ha an erid ve en p cYo o e lic o uy r E m iver dea or e s R .ec s T oaken ei cio ved ec o tC o nar g oet m e h ic Fer rroes ,m to h An u es rc e oes. td hat er a Ad shu olu t lR d el hat elip ve in o fo r rF m ri en em dp (lo 1yer 8 ye s,ar bsen oe r fo itls d er pr)o t vid o H er el sp , an Yodu Take 15% Blind or they have serious difficulty seeing even when wearing 27% 13% M f oo r sftu t eu m re plc oar yees egi vin (68 g p Lroesp er ngc -teen o rm n ca ts)i b re ha ilitdies. no tIn 12% fi lad edd d itiisoab n,i le itm y p olro w yer or ker invo s’l vem comen pen t isnat pio on lic c yl ai inm itisat , isves ugg c ean sti n pg o tten hat ti al th ly e lm ead aj otroit y of expecting expenses to remain under $50,000. No, have never received 11% High school graduate or less 30% 5% glasse 10% s 10% w ere also more likely to report enrolling in emergency savings, pet insurance, life insurance, and financial wellness help you take car 2e 0%of your 3% self? This may include helping with personal needs or household chores. It might be managing care 9 Yes 0% 20% 40% 60% 80% 100% p Sp olec icym ifical aker Car ly, s e e m o on fp Yo lp oo yee u ten rss el t iw fal ?h ................................ LT o rC ep bo en rte ed fit pder es sio gn nal an ex d ................................ pp er oliien c 8% y. c e ...................................................................... 7 10% Accidental death & dismemberment Employees were asked how many adu13% lts and disabled children are in their immediate network for whom they might w coollrab ker os rat hiav vee plu im biltic ed -p rin ivtat ere acsto io lu nt iw on its h te hm atp m loeet yer -tp hre ovid evo ed lvin org gnoeed vers n m ofen car t-s eg up iver porst ed an d d ic sar abe ilirtec y b ipen ien eftist.s (Figure 6). At the 69% 41% Some college/trade or b6% usiness school 28% 5% programs w Grh an en dpa rteh ne t/Gr y a So w nd uer p rce ar:e e 2n 0 t 2o -4 in- f Em flaw er ploed yee Loc no g-m Term p ar Careed (L 8% T Cw ) Su it rvh e y.employees not expecting to need long-term care. finances, arranging for outside services, or visiting regularly. This adult does not need to live with you.” Respondents were 14% recei5% ving care, h 15 a % d a disabilit Py e, t or had 14% made a short-term 3% o 0%Many future caregivers reported an expectation that Medicare (43 percent) or Medicaid (29 percent) n Eeed mpl oty oe c es ar e wer in e th al e sfou t as urked e. T w wh en De et ath f y oer - r t sheven ety h hei ave r p se eer m riou cpen s d loiff y ti cu er olty h fs eo em aff ring p er lo ed yees pro sg ai ra dm th s efy orh iad nd in vid o u aal du sl tw s iitn h tch hei ro r nnic et iw lln oes rks , es 36 o p r er thco en set s ame time, approximately one in three (32 percent) had filed at least one clai 14% m. Specifically, 15 percent of those College graduate (4-year degree) 1% 25% Figure 4, Employee as Care Recipient: Their Caregiver’s Compensation and Sour Cat ce a ................................ strophic coverage, where the bene.................... fits covers 8 11% Less than three Four to six months Seven to 12 1 – 2 years 2 - 5 years 5 years or more Not sure Progressive tax (meaning the tax rate asked about experiences in caregiving before they were asked about personal experience receiving care, so the respondents Supplemental health 15% Uncapped tax, meaning the tax applies to all 0% long-term care costs for9% people who need care for disability claim were more likely to say they will need care as with 24 months ow r ille l scso mver too n thl isve. LTC Scim ositlar s. A to tw hih rd at ( 3 w m 2as o np th er r sep cen ortt) e d s ai fo dr tE hR ey G st,h ab emosu el t ves one w in o u slid x p eay mp flo oyee r ths is scai ar de. th ey were said they incr h ead ase s with on 10 e o %n a in dco ul m te , le an vel)d 26 percent said they had two adults in their immediate network (Figure 13). Eleven s Yet urveyed , when A i p n ea rsd os naiked lc , atFed aw mily h at no h d ey w Onli nil eh l re ad sp ouay rc esf i Ylf oe uo r d er m pa t loh y es rei h Mro e dir r a-sec tp- ect ii fer ip c i Re m en pre std en’s ti as t ivab c esar Siole, ciit aly m i en dc ia lai a Yom s ur el d, o cec t1 or o2 rt -p al er lM fca o en st rm e t rat Yh 'os ua r ,so d tam r te fh an ilig ed Yh y oe u r r a r loe cals lopn Ao log cn a- l d st eer ned ior om r t A h Ad Rat Pi s or ab oex theriils ittyi No n ncg elai fed m Ot, her e r,an pal leasd e17% 11 The federal Parent/Parent-in-law income, as opposed to just those under a 53% After employees identified which benefits they were offered and used, they wera e lo tnh g t en ime ( si.e ho ., m w on re th th an ei 2r ye c au rs, rr aen bout t 3b 0% en ofefits professional friends and research or information financial experts from your posts by 0% another medi5% cal governm 10% ent gove15% rnment go20% vernment 25% community 30% nonprofits35% specify were primed on the topic. Life 37% Source: 2024 Employee Long-Term Care (LTC) Survey. Figure 5, Disability in the Employee’s Housce eh rtao in ld th ................................ reshold ...................................................................... 8 t hey age fiF n. aln a cE t iata lm ad x vip ( sm orle o ay nees ing th aw t e yoh ve u do r oyo onh n yo ead u p r a y o y ub s t reeen ch ee ived a ta c or ar gurueg s ivin workg pla cereci fip nanicen ial ort w proer fesse ion al (Social Security users) center offered a case manag Ner ote:, T hb e en weige htefdit ss am c plo e sn izec oier n qug ese, tion “H oorw b loner g dea o yove u exm pecte thn ist ca /g re r toi ef last ?s ” wer as vic 1,785es , re flNo e(ctF inigg thu e r she a re1 o1 f e) m.p lWh oyees en who ha avs e ked at leas t ab one out additional percent of employees said they had three or more adults in their immediate network for whom they might need to care p per roc gen ram t h s ad wo fu illed d 5% c a over wo rtkhm oe wn an co’s s tc , o ww om rkitp hen 43 s at pier on c re en tic rem lai etn t m i pn land . iB c coat m ec mui nau n itygs M e ed em ic par lo Ade yee m inan istrats iod n , c 2 o9 u lp der hc aen ve t fn iled oti n cg lai M med s u icn ai dd er ( F m ig ou rr ee t h 18 an ). o At ne the s De elec sptitio e nt sa h an m e e p d rel e ra ce at snked t ivel rega y rt d o less o p ran t oif m inco k is tm h ti ee c ) vie ben w esf it ab s, ow uh t er cuer r1 en w t as fin tan hec im alo w stel im lbei po nrg tan an t dan pd rep 10 ar w ed an s es thse, la east less . In possuitrian ve cp e at bt en eref n its adult in their A im um toediate network for whom they might need to care in57% the future. Note: The weighted sample size on question “Doe Cap s yop upe r ro d [ivn t id da eirv x, idu m ae l] a hg a n ro ving u ep a s, t ny he of t ta hx a e fop llo pw liie ns t g E do is M m ju a eb dst iip c lia tirl e eo ,s ?y ” w m as 32% e 1n ,78t5 ,S ret fla ecttu ings the share of employees • Employees expressed s0% upport for th 10% eir state gov 20% ernment in t 30% he provisio Fn ro 40% no t-f e nldo co nve g- ratger e, m whe 50% c rear the e bi en ne sfits urco an 60% vec re (LTCI). A 4 When evaluating which entity is best positioned to provide long-term care insurance coverage that is right for them, 27 companies, or s ignificantly more likel Soy urce to : 2 0r 24at Eme p lotye heei Lor n g-kn Term o C w are led (LTC g ) e Surv o en y. long-term Veteran’s The prevalence o whfo s hae vl ef a-tr leep ast o onr et aed dult di in thsab eir imm ileit dy iat ei nn e twtoh rk is for o whn ol min the ey m su ighrtv nee ey d tow caas re in h theig fuh tuer re. than estimates from the U.S. Census Bureau’s icn ar teg he ivin futg u rp e. ro Wi gra th m rses , tp hec e t m to os d t ic so am blm edo n ch lyi ld r thep r oe sen o u r nitn ded e rt ah ce o ei n rr ta e in i m w inco m as med ep tai hiat red sh e o m ld nat eter wo nritk y flo eave r wh o (4 m 7 tp her ey c en mitg ),h tf onllee ow de tdo bcy arte h e in ab thile it y to c sam ateg e otrim y, e, so 3 m 2e p o er vc er en lap t s lai ikd el t yh ex at itsh ts ey, acas ros fsu tth uese re c ar per eg cien ver tag s, es. wo u Ap ld ptrhoexm im sel atves ely 4 p apy er fc oen r tth issai cd ar te, hey an h dad 28 f ip led er cat en lte as saitd t w thoe Figure 6, Experience Filing a Disability Claim................................ influencers Ad ................................ ministration, long-term care ................................ costs for people who need care fo............ r 9 em typier cal ges ly o w nh ly en u sled o 0% okin in g fu at tu rd eai oly r u fin ne an xp cec ialt ed str es lifs e (oFr ig hu eal re t2 h7 e )ven . Wh tsil e — f o su urc h in as 10 l if w e, o rd ker isab s io liver ty, al an l d sai lo dn tg h-ey terw mo c rar ry eab inosu utr an dac ile y Source: 2024 Employee Lo0% ng-Term 10% Care (L 20% TC) Su 30% rvey. 40% 50% 60% Employed full time 82% Administration majority supported increased taxes to fund LTC benefits, with 64 percen a sh t ofra t vo timer (ii.e ng ., 2a yes at rs o atre less, pa ayr boo ut l7l 0t % ax of, and a percent of employees N os teai : Thd e wt eh igei htedr ss amtpat le se izean on qd ue s2 tio0 n “Tp hier nk ac boen ut ot n e s adai ultd sp et cih fica e lly fted hat yo er u bal eli eg veo wver ill neen d ca m reen or at ss i( stF anice g u witr he liv in22 g. W) h. a t S is i thx et ir een relatio n p to ercent c Am are on an g d th cear eeg mp ivin loyees g as w “h No hig o knh or wl ” ec eo dei g re ved “exp cer arte, ” Lo( w kn 50 53o wl p peer er dgc c een ent t) i n Md oidc eat rate ed kn ot wl h eat fd or gC e ot mh muei nityr Hi g char kneg owli ever dgea bw leas co Em xpp eren t kno swl at eded ge. Of those, survey American Community Survey (ACS). For the year 2023, the ACS reported that 6.8 percent of the employed population (10.2 f w uo tu rk re f,r o 8m 3 p her om cen e/tt el oe f w em orp kl o (3 yees 2 per sai cen d tt) h at an tdh ey paid d id p at no er t nhitav y e lean ave y , (w 28 h ip le er1c7 en pter ). cAt en tt hin e dsia cat med e t it m he, at o th ney e in h ad th ro ee ne or more. c c lar aie mrsec . S ip uiren vey t w ro esp uld o n pd ay en fto sr w th er ee c ar noe. t pFrio ftb een ed fp uer rth cen er to w n er the ein r o ctl ai sm urs e e w xh po er w ien ou cle. d p Ea m y pflo oryees care. w ho said they had filed a you?” was 1,785, reflecting the share of employees who have at least one adult in their im Lm ivin eg d )iate network for wh uo se m rts) hey might need to care in the future. expenses “al So w urce ays : 20” 24 o Emrp l“ oye m e o Los ngt- To erm f C th aree (L TtC im ) Sue rv” e, y.those expecting to need care in future, those who had received care in the — were ranked lower in average importance than those that employE ees mp lu os ye e dm po ar re t tirm eg eularly. 18% Figure 7, Level of* Am Kn ono g So tw h ue rce l 3ed 7: 2 p0 eg 2 rce 4e Em n t oipn f le o m ye Ac pe lo L ye c on eess g s- T we hrm oi n h C ag v ae re pL (L uo rch TCn a ) sg Su ed- rv lT ife ey. er insm uran ce S er on tvic heir oes wn anan d oud ts idS e u of p thep ir o emrptls oye irsn , reCo flectm ing m a weu ign hti st ay m p................................ le size of 912. ....... 9 plurality (27 percent) said “my state” was best positioned to provide personalized LTCI. indicated their employer, followed by approximate ties among commercial insurer, affinity organizations, and local c r mi espo om llio pnar n )d ed h en a d tw sa ittrh l ep eas to hr o tt s ed o e n w e th io tat h f o t h tu h e tei si ex rx c p di ar er sab eg ien iiv lcier teies ’as s. Th c a o m c ear 2 pen e 02rs3 ec at eiip st oin ie ma n m t toe sto f t coh m e m do isab nlyl ed ca e mmpl e frooye me th po e pu stlat ate, io nt r hepr eir esen emptlo s yer a 3,4 o pe r rcent employees indicated that none of the caregiving programs listed were offered. Source: 2024 Employee Long-Term Care (LTC) Survey. short-term disabil So ituy rcec : 2lai 024m Em pin loye t eh Loe ng -p Teas rm C t aw re (L e Tr Ce ) Su m rveo y.re prone to report needing care as they age. past, and those curren Soutrce ly : 2p 02r 4o Em vid ploye in e g Lo nc g-ar Term e Cw areer (LTe C) 8 Survto ey. 14 percentage points more likely than their counterparts to report government, at about 10 percent each. it (2 n hcem 7r ea ps er se elcven fes rotm ). d itr h ec e t2 ly0 1 (F 8i g es utrie ma 4t)e . of 7.6 million. Applying a five-year annual average growth rate of 8 percent to the 2023 ACS F igure 8, Benefits Eligibility by Likelihood of Needing Care as They Age ................................................................... 10 Source: 2024 Employee Long-Term Care (LTC) Survey. frequent worry about daily expenses. e e e e e e e e e e e e e e e e e e e e e e eb b b b b b b b b b b b b b b b b b b b b b br r r r r r r r r r r r r r r r r r r r r r riiiiiiiiiiiiiiiiiiiiiii.......................o o o o o o o o o o o o o o o o o o o o o o or r r r r r r r r r r r r r r r r r r r r r rg g g g g g g g g g g g g g g g g g g g g g g IIIIIIIIIIIIIIIIIIIIIIIs s s s s s s s s s s s s s s s s s s s s s ss s s s s s s s s s s s s s s s s s s s s s su u u u u u u u u u u u u u u u u u u u u u ue e e e e e e e e e e e e e e e e e e e e e e B B B B B B B B B B B B B B B B B B B B B B Bri ri ri ri ri ri ri ri ri ri ri ri ri ri ri ri ri ri ri ri ri ri riA e e e e e e e e e e e e e e e e e e e e e e efffffffffffffffffffffff re • • • • • • • • • • • • • • • • • • • • • • • s M M M M M M M M M M M M M M M M M M M M M M M ea a a a a a a a a a a a a a a a a a a a a a a ay y y y y y y y y y y y y y y y y y y y y y yrc 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 h ,,,,,,,,,,,,,,,,,,,,,,, re 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 20 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0p 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2o 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5rt • • • • • • • • • • • • • • • • • • • • • • • fN N N N N N N N N N N N N N N N N N N N N N N roo o o o o o o o o o o o o o o o o o o o o o o m ....................... 6 6 6 6 6 6 6 6 6 6 6 6 6 6 6 6 6 6 6 6 6 6 6 th 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3e 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 EBRI Education and R esearch Fund © 2025 Employee Benefit Research Institute 11 12 17 10 19 20 21 14 15 23 22 13 16 18 24 9 3 6 8 4 2 7 5 Percent of Employees Offered Benefit Average Rank of Importance