Lincoln Financial Lincoln Financial Life Stages Survey: Long-Term Care September/October 2010 LCN1102-205062 2 Objectives and Methodology 3 Key Objectives • Investigate how consumers go about planning for their long term care and understand the need for long term care insurance as a separate asset class • Determine the level of understanding that consumers have about long term care insurance • Investigate the impact that long term care can have on the lifestyle of consumers and their families • Understand how previous experiences (either direct or indirect) with long term care impacts current views and planning 4 Methodology • Survey conducted September/October 2010 • 1002 total respondents – 702 completed the survey online – 300 completed the survey via phone • Both surveys lasted approximately 15 – 20 minutes • All respondents are age 40 – 70 and have investable assets of $100,000 or annual household income of $100,000 (or both) • Study results contain a margin of error of +/- 3.10 percentage points at the 95% confidence level 5 Quotas Were Set So That Respondents Were Evenly Divided Between Direct Experience, Indirect Experience, and No Experience Direct Experience Indirect Experience No Experience n = 1002 A-6. Have you ever overseen the long term care of an adult loved one? 6 NOTE: Unless otherwise noted, when totals are displayed, data is weighted based on experience so that the survey sample matches the general population. 7 Key Findings • Less than half have made plans to ensure they have sufficient funds to cover long term care expenses, yet many say that it is important to plan for long term care needs. • Most recognize that their lifestyle would change if they need long term care, but unless they have experienced a lifestyle change themselves while overseeing a loved one’s care (or watched others experience a lifestyle change), they are less likely to recognize the impact long term care could have on their family. • Respondents are most likely to turn to their savings to pay for long term care expenses and are less likely to turn to money from friends and family. They would be willing to give up a lot to pay for their long term care, but most would not be willing to go into debt. • Those who have already purchased long term care insurance are much more confident that they are prepared and are less likely to get drained financially, have to depend on family for help, or to feel guilty. 8 Detailed Findings 9 1 Respondents aren’t sure if they will need long term care at some point in their lifetime, yet they believe that between 25% and 75% will. 10 Many Respondents Aren’t Sure If They Will Need Long Term Care at Some Point in Their Life Primary reasons given: in good health, family history There were no significant differences based on age. Primary reason given: can’t predict the future/life is uncertain Primary reasons given: everyone will eventually need it, people are living longer, family history, healthy problems B-1. What is the likelihood that you will need long term care at some point in your life? Please use a scale from 1 to 5 where “1” means “very unlikely” and “5” means “very likely.” B-2. Why do you say that? Those with Direct Experience Overseeing a Loved One’s Long Term Care Are Slightly More Likely to Think They Will Need Long Term Care B-1. What is the likelihood that you will need long term care at some point in your life? Please use a scale from 1 to 5 where “1” means “very unlikely” and “5” means “very likely.” 12 Most Respondents Think That Between 25% and 50% of Americans Will Need Long Term Care at Some Point in Their Lifetime 78% B-3. What percentage of Americans do you believe will need long term care at some point in their lifetime? 13 Seven in Ten Think That Between 25% and 75% of Adults Aged 65 or Older Currently Need Long Term Care 69% B-4. And what percentage of Americans aged 65 or older do you believe currently need long term care? 14 2 Respondents want/expect a different long term care situation than their loved one had. The majority of respondents want to stay in their own home if they need long term care – preferably with professional care – but about half report that their loved one was in a nursing home and those who did receive in-home care were more likely to get that care from a loved one than a professional. 15 The Majority of Respondents Want to Stay in Their Own Home If They Need Long Term Care – Preferably with Professional Care; Only a Tenth Want to Go to a Nursing Home 78% Preference does not vary significantly based on age or type of care their loved one received. B-6. Imagine that you need long term care. Which of the following would be your preference for receiving that long term care? 16 Yet, Half of Those with Experience Overseeing Someone’s Long Term Care Report Their Loved One Was in a Nursing Home/Assisted Living Facility Recall, respondents would prefer to be cared for by a professional. Asked only of those with direct experience C-11. What type of long term care did/does that person receive? If he or she received different types of care during different periods of his or her illness, please check all that apply. 17 Four in Ten of Those with Indirect Experience Report the Care Recipient Was in a Nursing Home Asked only of those with indirect experience Recall, respondents would prefer to be cared for by a professional. C-24. What type of long term care did/does that person receive? If he or she received different types of care during different periods of his or her illness, please check all that apply. 18 3 About three-quarters of respondents believe that their lifestyle would change substantially if they need long term care – and most of those with experience overseeing long term care report that the care recipient’s lifestyle did indeed change. Lifestyle change predictions do not vary based on whether one has experience overseeing long term care, but they do vary based on how much their loved one’s lifestyle changed. 19 About Three-Quarters of Respondents Believe That Their Lifestyle Would Change Substantially If They Need Long Term Care 73% C-2. To what extent would your lifestyle change if you need long term care? Please use a scale of 1 to 5 where “1” means “would not change at all” and “5” means “would change a lot.” Lifestyle Change Predictions Does Not Vary Based on Whether One Has Experience Overseeing Long Term Care, but It Does Vary Based on How Much Their Loved One’s Lifestyle Changed Graph just shows those with direct experience. C-2. To what extent would your lifestyle change if you need long term care? Please use a scale of 1 to 5 where “1” means “would not change at all” and “5” means “would change a lot.” 21 Most Respondents Who Have Experience Overseeing the Long Term Care of a Loved One Say That Their Loved One’s Live Changed Significantly 83% Asked only of those with direct experience C-13. To what extent did the lifestyle of your loved one change? Please use a scale of 1 to 5 where “1” means “did not change at all” and “5” means “changed a lot.” 22 Likewise, Most of Those Who Have Indirect Experience Overseeing Someone’s Care Report That the Care Recipient’s Lifestyle Changed 74% Asked only of those with indirect experience C-26. To what extent did the lifestyle of the care recipient change? Please use a scale of 1 to 5 where “1” means “would not change at all” and “5” means “would change a lot.” 23 Most of Those with Indirect Experience Say That If They Need to Oversee the Long Term Care of a Loved One in the Future, They Would Model It After the Behavior They Observed Asked only of those with indirect experience C-27. To what extent do you agree with each of the following statements? Please use a scale of 1 to 5 where “1” means “strongly disagree” and “5” means “strongly agree.” 24 4 About half think the lifestyle of their family would change if they need long term care. Those who experienced a lifestyle change themselves when overseeing the long term care of a loved one – or who watched a partner/friend/relative experience a lifestyle change when overseeing the care of a loved one – recognize the impact that it could have on their family. 25 About Half Think the Lifestyle of Their Family Would Change If They Need Long Term Care 52% C-3. To what extent would the lifestyle of your family change if you need long term care? Please use a scale of 1 to 5 where “1” means “would not change at all” and “5” means “would change a lot.” Those Who Experienced a Lifestyle Change Themselves When Overseeing the Long Term Care of a Loved One Recognize the Impact That It Could Have on Their Family Graph just shows those with direct experience. C-3. To what extent would the lifestyle of your family change if you need long term care? Please use a scale of 1 to 5 where “1” means “would not change at all” and “5” means “would change a lot.” Likewise, Those Who Saw a Loved One’s Lifestyle Change When Overseeing Someone’s Care Are More Likely to Recognize the Potential Impact on Their Family Graph just shows those with indirect experience. C-3. To what extent would the lifestyle of your family change if you need long term care? Please use a scale of 1 to 5 where “1” means “would not change at all” and “5” means “would change a lot.” 28 About Half Believe That the Lifestyle of They and Their Family Would Change If a Close Family Member Needed Long Term Care Question was not asked of those with direct experience overseeing the long term care of a loved one. 49% Asked only of those without direct experience C-28. To what extent would the lifestyle of you and your family change if a close family member needed long term care? Those Who Have Indirect Experience Watching Someone Else Oversee Someone’s Long Term Care Are More Likely to Recognize the Potential Impact Asked only of those without direct experience C-28. To what extent would the lifestyle of you and your family change if a close family member needed long term care? 30 About Half of those with Direct Experience Overseeing a Loved One’s Long Term Care Say That Their Own Lifestyle Changed Significantly as Well 47% Asked only of those with direct experience C-14. To what extent did your lifestyle change? Please use a scale of 1 to 5 where “1” means “did not change at all” and “5” means “changed a lot.” 31 And About Half of Those with Indirect Experience Say the Lifestyle of the Caregiver Changed as Well 48% Asked only of those with indirect experience C-25. To what extent did the lifestyle of your partner/friend/relative change? Please use a scale of 1 to 5 where “1” means “would not change at all” and “5” means “would change a lot.” 32 5 Less than half have made plans to ensure they have sufficient funds to cover long term care expenses, yet, two-thirds say that it is important to plan for long term care needs. Older respondents, those with substantial assets, and those who think it is likely that they will need long term care are more likely to have already established a plan. 33 Less than Half Have Made Plans to Ensure They Have Sufficient Funds to Cover Long Term Care Expenses Those who think they will need long term care are more likely to have planned for it. B-7. Have you made plans to ensure that you will have sufficient funds to cover long term care expenses should the need arise? 34 Yet, Two-Thirds Say That It Is Important to Plan for Long Term Care Needs Women are slightly more likely to say that it is important to plan for long term care needs. Those who think they will need long term care are much more likely to think that planning for long term care needs is important. 65% B-8. How important is it to plan for long term care needs? Please use a scale of 1 to 5 where “1” means “not at all important” and “5” means “very important.” Those with Direct Experience Overseeing a Loved One’s Care Are More Likely to Have Already Made Plans for Their Own Long Term Care B-7. Have you made plans to ensure that you will have sufficient funds to cover long term care expenses should the need arise? Likewise, Those with Direct Experience Overseeing a Loved One’s Long Term Care Are More Likely to Think Planning for Long Term Care Needs Is Important B-8. How important is it to plan for long term care needs? Please use a scale of 1 to 5 where “1” means “not at all important” and “5” means “very important.” Not Surprisingly, Older Respondents Are More Likely to Have Planned for Long Term Care Needs B-7. Have you made plans to ensure that you will have sufficient funds to cover long term care expenses should the need arise? Gen X’ers Are Less Likely Than Boomers and Silent Generation to Think That Planning for Long Term Care Needs Is Important B-8. How important is it to plan for long term care needs? Please use a scale of 1 to 5 where “1” means “not at all important” and “5” means “very important.” Those with Substantial Assets Are Also Much More Likely to Have Planned for Long Term Care Needs and Slightly More Likely to Think That Planning Is Important B-7. Have you made plans to ensure that you will have sufficient funds to cover long term care expenses should the need arise? 40 It Does Not Appear as Though Many Respondents Spend Time Worrying About Long Term Care Expenses, Yet Less Than Half Are Confident That They Have Planned for Long Term Care Costs Men are slightly more likely than women to say they are confident and not worried. Women are slightly more likely to feel guilty. C-7. To what extent do you agree with each of the following statements? Please use a scale of 1 to 5 where “1” means “strongly disagree” and “5” means “strongly agree.” Those Who Have Direct Experience Overseeing the Care of a Loved One Feel More Confident in Their Long Term Care Planning Preparation C-7. To what extent do you agree with each of the following statements? Please use a scale of 1 to 5 where “1” means “strongly disagree” and “5” means “strongly agree.” I am confident knowing that I have planned for long term care costs if the need arises. Those with No Experience with Long Term Care Are Less Worried About It Right Now C-7. To what extent do you agree with each of the following statements? Please use a scale of 1 to 5 where “1” means “strongly disagree” and “5” means “strongly agree.” I am not worried about long term care at all right now. 43 Slightly More Than Half Have Discussed Planning for Long Term Care Needs with Their Spouse, Yet a Quarter Have Not Discussed It with Anyone Asked only of internet respondents B-9. With which of the following have you discussed planning for long term care needs? Please select all that apply. Those with Direct Experience Overseeing a Loved One’s Care Are Also More Likely to Have Discussed Planning with Others Asked only of internet respondents B-9. With which of the following have you discussed planning for long term care needs? Please select all that apply. About 4 in 10 Have Already Increased Savings and a Fifth Say They Have Purchased Long Term Care Insurance Older respondents, those with more assets, and those who think they will need long term care are more likely to have already increased savings and purchased long term care insurance. Women are no more likely to have done these but are more likely to anticipate doing them. Some say that they have/will also increased investments and purchased other types of insurance (e.g., life, disability, etc.). C-1. Which of the following have you done or do you anticipate doing to prepare for the potential cost of long term care if the need arises? Please indicate if you have already done it, if you anticipate doing it at some point in the future, or if you do not anticipate doing it. Those with Direct Experience Overseeing the Care of a Loved One Are Slightly More Likely to Have Done and Anticipate Taking Specific Actions Increase savings Get LTC insurance Sell assets C-1. Which of the following have you done or do you anticipate doing to prepare for the potential cost of long term care if the need arises? Please indicate if you have already done it, if you anticipate doing it at some point in the future, or if you do not anticipate doing it. 47 6 Respondents are most likely to turn to their savings to pay for long term care expenses and are less likely to turn to money from friends and family. They would be willing to give up a lot to pay for their long term care, but most would not be willing to go into debt. 48 Respondents Are Most Likely to Turn to Their Savings to Pay for Long Term Care Expenses and Are Less Likely to Turn to Money from Friends and Family 50% of these say that they are aware they would have to declare bankruptcy and would be willing to do it, 40% were unaware and would not be willing to do it, and the remainder were unaware but would be willing to do it. C-4. Should you need long term care, which of the following sources would you use to pay for it? Select all that apply. C-5. Are you aware Medicaid payments to those 65+ are usually only available to those seniors who cannot afford to pay for long term care, and that qualifying for Medicaid requires you to spend down all of your assets, or declare bankruptcy? 49 Those with Substantial Assets Are More Likely to Rely on Savings; Those with Lower Assets Are More Likely to Use Medicaid, Disability Insurance, and Money from Friends and Family C-4. Should you need long term care, which of the following sources would you use to pay for it? Select all that apply. 50 Among Those with Experience, Social Security, Savings, and Medicare Were the Primary Methods of Paying for Long Term Care Asked only of those with direct experience C-16. How did you/your loved one pay for his/her long term care? 51 Respondents Would Be Willing to Give Up a Lot to Pay for Their Long Term Care, but Most Would Not Be Willing to Go into Debt There are no significant differences based on asset size. NOTE: Chart removes those who say a given item is not applicable. C-6. Imagine that the need arose in which you needed long term care and you did not have sufficient funds to pay for that care, which of the following would you be willing to do to pay for that care? Please indicate if you would be willing to do it, if you would not be willing to do it, or if that response is not applicable to your situation (e.g., if you do not own a home, do not own a car, do not currently donate money to charity, etc.). 52 Half Recognize That Costs of Long Term Care Could Drain Them Financially; a Quarter Are Scared of Being a Burden to Their Family, yet About a Fifth Would Expect Their Family to Help Them C-7. To what extent do you agree with each of the following statements? Please use a scale of 1 to 5 where “1” means “strongly disagree” and “5” means “strongly agree.” 53 About Half of Those with Experience Overseeing a Loved One’s Long Term Care Report That Their Loved One Took Less Vacations, Stopped Going out to Dinner, and Cashed in Investments Asked only of those with direct experience NOTE: Chart removes those who say a given item is not applicable. C-17. Did your loved one have to do any of the following to pay for his/her long term care? Please indicate if he/she did it, if he/she did not do it, or if that response is not applicable to his/her situation (e.g., if he/she did not own a home, did not own a car, did not already donate money to charity, etc.). 54 And Slightly More Than a Third of Those with Direct Experience Say That Their Loved One Did Not Plan Sufficiently and That Their Assets Were Depleted Asked only of those with direct experience C-19. To what extent do you agree with each of the following statements? Please use a scale of 1 to 5 where “1” means “strongly disagree” and “5” means “strongly agree.” 55 7 A third fear that their loved ones have not sufficiently prepared for their long term care. With the exception of remortgaging or selling their home, selling their car, and going into debt, respondents are willing to do a lot to help a family member in need of long term care. Most of those who helped their loved one pay for long term care did it with their savings or by providing care to them themselves, but most did not feel a financial burden. 56 A Third Fear That Their Loved Ones Have Not Sufficiently Prepared for Their Long Term Care, Yet Few Are Nervous That They Will be Burdened Financially for Their Long Term Care Expenses Women are slightly more likely to agree with both of these statements. C-7. To what extent do you agree with each of the following statements? Please use a scale of 1 to 5 where “1” means “strongly disagree” and “5” means “strongly agree.” 57 With the Exception of Remortgaging or Selling Their Home, Selling Their Car, and Going into Debt, Respondents Are Willing to Do a Lot to Help a Family Member in Need of Long Term Care Asked only of those without direct experience NOTE: Chart removes those who say a given item is not applicable. C-29. Imagine that the need arose in which a close family member needed long term care and they did not have sufficient funds to pay for that care, which of the following would you be willing to do to help them pay for that care? Please indicate if you would be willing to do it, if you would not be willing to do it, or if that response is not applicable to your situation (e.g., if you do not own a home, do not own a car, do not currently donate money to charity, etc.). 58 Most of Those Who Helped Their Loved One Pay for Long Term Care Did It with Their Savings or by Providing Care to Them Themselves Asked only of those with direct experience who helped pay for their loved one’s care NOTE: Chart removes those who say a given item is not applicable. C-18. You indicated that you helped your loved one pay for his/her long term care. Which of the following did you do to provide money for his/her care? Please indicate if you did it, if you did not do it, or if that response is not applicable to your situation (e.g., if you did not own a home, did not own a car, did not already donate money to charity, etc.). 59 Yet Few with Experience Say That Helping Pay for a Loved One’s Care Disrupted Their Life or That They Experienced a Financial Burden Paying for Their Loved One’s Care Asked only of those with direct experience Asked only of those with indirect experience C-19 & C-27. To what extent do you agree with each of the following statements? Please use a scale of 1 to 5 where “1” means “strongly disagree” and “5” means “strongly agree.” 60 8 Almost everyone has heard of long term care insurance, but only about half are familiar with the details. Respondents are most likely to associate nursing homes, assisted living facilities, and inhome medical care with long term care insurance, and are less likely to think that it covers in-home non-medical expenses, and doctor and hospital costs. 61 Almost Everyone Has Heard of Long Term Care Insurance, but Only About Half Are Familiar with the Details 86% of those who actually have long term care insurance are familiar with the details, as compared to 39% of those who do not. 49% Asked only of internet respondents D-1. How familiar are you with long term care insurance? Please use a scale from 1 to 5 where “1” means “have never heard of it” and “5” means “very familiar.” Those with Direct Experience Overseeing a Loved One Are Much More Likely to Be Familiar with Long Term Care Insurance Asked only of internet respondents D-1. How familiar are you with long term care insurance? Please use a scale from 1 to 5 where “1” means “have never heard of it” and “5” means “very familiar.” 63 Respondents Are Most Likely to Associate Nursing Homes, Assisted Living Facilities, and In-Home Medical Care with Long Term Care Insurance Asked only of internet respondents D-2. For which of the following expenses does long term care coverage pay? Please select all that apply. 64 Overall, There Is No Consensus on How Much Long Term Care Insurance Costs Asked only of internet respondents D-3. Approximately how much per month do you believe long term care insurance costs for someone your age? Yet, Older Respondent Do Think It’s More Expensive and Younger Respondents Less Expensive, so Their Assumptions May Be Somewhat Accurate Asked only of internet respondents D-3. Approximately how much per month do you believe long term care insurance costs for someone your age? 66 9 Only 10% say that they are likely to get long term care insurance within the next two years, yet four in ten plan to get it at some point in their life. Those who have already purchased long term care insurance are much more confident and are less likely to get drained financially, have to depend on family for help, or to feel guilty. 67 Respondents Vary on What Age Someone Should Consider Getting Long Term Care Insurance; Only a Handful Say “Never” Asked only of internet respondents D-4. At what age should someone consider getting long term care insurance? 68 About Half Say That Everyone Should Consider Getting Long Term Care Insurance; Very Few Say That No One Should Only 34% of those who say everyone should consider getting long term care insurance actually have it themselves. Asked only of internet respondents D-5. In your opinion, who needs long term care insurance? Please select all that apply. Only 10% Say That They Are Likely to Get Long Term Care Insurance Within the Next Two Years, Yet Four in Ten Plan to Get It at Some Point in Their Life Asked only of internet respondents D-6. How likely are you to purchase long term care insurance during the following timeframes? Please use a scale of 1 to 5 where “1” means “very unlikely” and “5” means “very likely.” Those Who Have Already Purchased Long Term Care Insurance Are Much More Confident and Are Less Likely to Get Drained Financially, Have to Depend on Family for Help, or to Feel Guilty C-7. To what extent do you agree with each of the following statements? Please use a scale of 1 to 5 where “1” means “strongly disagree” and “5” means “strongly agree.” 71 10 Predictions of how much long term care costs per month are somewhat accurate, yet vary dramatically from respondent to respondent. Respondents with direct experience are split on whether or not they were aware of the full cost of care before they experienced it, but about half of those with direct or indirect experience say that their experience opened their eyes to the true cost of care and that they will prepare better. 72 Predictions of How Much Long Term Care Costs Per Month Are Somewhat Accurate Asked only of internet respondents With the exception of those with direct experience thinking that skilled nursing homes are more expensive, there were no significant differences in predictions based on experience overseeing long term care. B-5. On average, how much do you think each of the following options would cost per month for one person? Yet, Specific Cost Estimates Vary Substantially from Respondent to Respondent B-5. 74 Actual Expenses Are Somewhat in Line with Average Predictions Prediction: $3,638 Asked only of internet respondents with direct experience Please keep in mind that these costs are estimates by the person overseeing the long term care and may or may not accurately reflect the actual cost of care. C-12. Approximately how much per month did/does each type of this person’s long term care cost? 75 Yet, Respondents with Direct Experience Are Split on Whether or Not They Were Aware of the Full Cost of Care Before They Experienced it 35% 44% Asked only of those with direct experience C-15. To what extent were you aware of the cost of long term care before you experienced it? Please use a scale of 1 to 5 where “1” means “not aware at all” and “5” means “fully aware.” 76 But More Than Half Say That Their Experience Overseeing a Loved One’s Care Opened Their Eyes to the True Cost and That They Will Do a Better Job Preparing Asked only of those with direct experience C-19. To what extent do you agree with each of the following statements? Please use a scale of 1 to 5 where “1” means “strongly disagree” and “5” means “strongly agree.” 77 And Slightly Less Than Half of Those with Indirect Experience Say That Watching Someone Oversee a Loved One’s Long Term Care Opened Their Eyes to the Cost and That They Will Prepare Better Asked only of those with indirect experience C-27. To what extent do you agree with each of the following statements? Please use a scale of 1 to 5 where “1” means “strongly disagree” and “5” means “strongly agree.” 78 Appendix: Respondent Profile 79 Over Half Have Investable Assets of $200,000 or More A-3. Which of the following categories best represents your total investable assets? By investable assets, we mean all of your savings and investments, but not personal property such as your home. 80 About Three-Quarters Have a Household Income of $100,000 or Greater 78% A-4. Which of the following categories best represents your total annual household income? 81 Respondents Have a Wide Variety of Financial Products About a Fifth Already Have Long Term Care Insurance Asked only of online respondents A-5. Which, if any, of the following financial products/assets do you currently have? Select all that apply. 82 About Six in Ten Respondents Are Baby Boomers – The Rest Are Generation X or Silent Generation Recall, respondents were screened to ensure that they are between 40 and 70 years of age. DERIVED FROM A-2. In what year were you born? 83 Gender Is Equally Split and Most Respondents Are Married or Living with Someone E-1. What is your gender? E-4. What is your current marital status? 84 Slightly More Than Half Are Employed Full-Time, While Most of the Rest Are Retired; Most Have College or Graduate/Professional Degrees E-2. Which of the following best describes your employment status? E-3. What is the highest level of education you have completed? 85 Most Respondents Have Children but Many Are Over the Age of 18; Respondents Are Mixed in Terms of the Status of Their Parents E-5. Which of the following best describes your children? (Please check all that apply.) E-6. Are your parents currently living or deceased? 86 The Majority of Care Recipients Are Parents 81% C-8. You mentioned that you oversee/have overseen the long term care of a loved one. What is/was the relationship of that person to you? If you have overseen the long term care of multiple people, please think of the first person whose care you oversaw. 87 Most Were Between 40 and 60 Years of Age When They Started Overseeing Their Loved One’s Care C-9. What age were you when you started taking care of him or her? 88 Care Recipients Are Approximately Equally Split Between Those with Cognitive Impairments, Physical Disabilities, and Chronic Illnesses C-10. What medical conditions affected/are affecting the daily life of this person? Please select all that apply. 89 A Quarter of Respondents Who Have Indirect Experience Watched Their Mother Care for Someone Else C-20. You mentioned that you watched a partner/friend/relative oversee the long term care of an adult loved one. What is/was the relationship of the caregiver to you? If you have watched a partner/friend/relative oversee the long term care of multiple people, please think of the first person whose care you watched. 90 And the Most Frequent Care Recipient of Their Partner/Friend/Relative Is Also a Mother C-21. And what is the relationship of the care recipient to your partner/friend/relative? 91 Most of Those with Indirect Experience Overseeing Long Term Care Say That They Started Watching Someone Provide Care Between Age 40 - 60 C-22. What age were you when you started watching a partner/friend/relative oversee the long term care of that person? 92 Care Recipients of Their Partner/Friend/Relative Are Split Between Cognitive Impairments, Physical Disabilities, and Chronic Illnesses C-23. What medical conditions affected/are affecting the daily life of this person? Please select all that apply.