SURVEY
MetLife
MetLife Long-Term Care IQ
Long-Term
Care IQ
Removing Myths, Reinforcing Realities
September 2009
The MetLife Mature Market Institute®
Established in 1997, the Mature Market Institute (MMI) is MetLife’s research organization and
a recognized thought leader on the multi-dimensional and multi-generational issues of aging and
longevity. MMI’s groundbreaking research, gerontology expertise, national partnerships, and
educational materials work to expand the knowledge and choices for those in, approaching,
or caring for those in the mature market.
MMI supports MetLife’s long-standing commitment to identifying emerging issues and
innovative solutions for the challenges of life. MetLife, a subsidiary of MetLife, Inc. (NYSE: MET),
is a leading provider of insurance and financial services to individual and institutional customers.
For more information about the MetLife Mature Market Institute, please visit:
www.MatureMarketInstitute.com.
Contact:
200 Park Avenue
40th Floor
New York, NY 10166
MatureMarketInstitute@MetLife.com
GfK Custom Research North America
Headquartered in New York, GfK Custom Research North America is part of the GfK Group, the
world’s fourth largest market research company. GfK Custom Research North America combines
the global resources of the GfK Group with the local knowledge of North America’s leading
research and consulting companies delivered by more than 700 employees in the U.S. and Canada.
Editorial services provided by Joseph Finora.
• Not A Deposit Or Other Obligation Of Bank • Not FDIC-Insured
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• Not A Condition To The Provision Or Term Of Any Banking Service Or Activity
• Policy Is An Obligation Of The Issuing Insurance Company
© 2013 MetLife
Table of Contents
Introduction.............................................................................................................4
› Solving the Long-Term Care Riddle................................................................................................ 4
Executive Summary..................................................................................................5
› Overview.............................................................................................................................................. 5
› Background......................................................................................................................................... 5
› Key Findings........................................................................................................................................ 5
› Additional Learning........................................................................................................................... 6
› Summary.............................................................................................................................................. 6
Separating Myths from Realities...............................................................................7
› What Is Long-Term Care?................................................................................................................. 7
› Underestimating the Need................................................................................................................ 7
› Most Care Is Received at Home........................................................................................................ 8
› How Long-Term Care Costs Are Paid For...................................................................................... 8
› How Long-Term Care Insurance Rates Are Determined................................................................. 11
› Additional Learning. ................................................................................................... 12
Conclusion..............................................................................................................14
Methodology...........................................................................................................15
Appendix: Questions and Answers.........................................................................16
METLIFE LONG-TERM CARE IQ
3
Introduction
Solving the Long-Term Care Riddle
According to Greek mythology, the Sphinx,
a guardian at the gates of the ancient city of
Thebes, asked all passersby the same riddle:
What walks on four legs in the morning,
two at noon, and three in the evening?
Oedipus, the King of Thebes, was the first to
solve the riddle of the Sphinx by responding:
“A person crawls on all fours as a baby, walks on
two legs as an adult, and uses a cane in old age.”
This mythic Greek riddle is a good place to start
a long-term care dialogue.
In reviewing the responses from the 2009
MetLife Long-Term Care IQ Survey, another
riddle emerged: How is it that many of the
respondents (Americans between ages 40–70)
know what long-term care is and what it may
cost, but most continue to be unaware of their
potential need for long-term care or how they
will pay for it? This study addresses the myths
about long-term care and seeks to offer some
clues to solve the long-term care riddle.
If many know what long-term care is and how expensive it is, why do so
few take any action steps to protect themselves against these expenses?
4
Executive Summary
Overview
In 2004 and again in 2009, the MetLife Mature
Market Institute (MMI) used a nationally
representative survey to measure public
awareness and knowledge of long-term care
issues and facts.
Due to certain variations in methodology and
wording, not all of the questions in the IQ are
comparable. The new survey also included
additional questions to provide insight into
actions people are taking to plan for any
potential long-term care needs.
While Americans have an increased understanding
of some long-term care issues since 2004, overall
they did not do as well as anticipated. Only 21%
scored 70% or higher on the quiz, and on average,
the respondents correctly answered just over half
(5.2) of the 10 quiz questions.
Key Findings
This year’s survey reveals:
› Many respondents understand what longterm care is, and how much it costs.
› More than half underestimate the need for
long-term care as people age, including for
themselves.
› A majority do not know who pays for
long-term care.
› Few are taking action to protect themselves
from these expenses.
Background
As a follow-up to the 2004 Long-Term Care IQ,
the MMI conducted a similar survey in 2009
to determine whether or not awareness had
improved over the five-year period. While the
overall score this year (52%) is unchanged from
that found in the 2004 study and results show
improvement in awareness in some areas, there
still remains a significant lack of understanding of
long-term care issues overall. A wide range of the
population ages 40–70 is unaware of its potential
need for care and how to pay for it. Most are not
taking appropriate steps to protect themselves
from potentially catastrophic expenses.
›M
ore than eight in 10 respondents (85%)
understand that long-term care could
be the result of a variety of causes such
as Alzheimer’s disease, an accident, or a
chronic or disabling condition.
› Just over one-third know that most longterm care services are received in one’s
home. While the number of respondents
(37%) who do know this has increased since
the 2004 survey (18%), there continues to be
a very low overall awareness level.
›O
ver four in 10 (43%) are able to correctly
identify the national average monthly cost
for assisted living.
›T
wo-thirds (66%) are unable to identify
which programs or insurance policies pay
for long-term care services.
›O
nly 18% know long-term care insurance
rates are primarily based on age, but almost
nine in 10 (87%) are aware a comprehensive
policy covers care at home, in an assisted
living facility, and in a nursing home.
›L
ess than one-half (45%) can correctly
identify how many households are caring
for an adult family member or loved one.
›O
ver six in 10 (64%) are aware that
transferring financial assets to your family
would not allow you to qualify immediately
for Medicaid payment of long-term care.
METLIFE LONG-TERM CARE IQ
5
Executive Summary
› Fewer than four in 10 (36%) know that
60%–70% of 65-year-olds will require
long-term care services at some point in
their lives.
Additional Learning
In order to examine respondents’ behaviors
and attitudes toward long-term care issues,
and also to identify common traits among the
respondents, additional questions not included
in the 2004 survey were asked.
› Just over a third (35%) of respondents believe
they will need long-term care in the future.
› Caregivers are more aware of some long-term
care issues than non-caregivers. Almost half
(47%) of those who are currently providing
regular care know that most people receive
services in their own home; only 37% of
non-caregivers answered correctly.
› Many younger respondents are delaying
purchasing long-term care insurance because
of competing financial obligations, but are
giving up lower cost as a result. Less than one
in five 40- to 49-year-olds knows that age is
a primary factor in determining rates.
› The number of correct answers increases by
age showing that respondents who are older
know this subject better than their younger
counterparts. Older respondents ages 60–70
had, on average, more correct answers than
those ages 40–49 (5.44 versus 4.92).
› Respondents with at least a college education
are more likely to have a greater number
of correct answers than those with a high
school education or less. College graduates
had, on average, 5.68 correct answers and
those with a high school education had, on
average, 4.83 correct answers.
6
Summary
While long-term care knowledge has increased
in some areas since 2004, serious and potentially
costly misconceptions remain. Many middleaged and older Americans still fail to grasp longterm care’s fundamental concepts, which sets
the stage for future difficulties should their need
for this type of care arise. Still others continue to
underestimate the potential need for long-term
care and mistakenly believe they will be covered
by resources that do not pay for such care.
There appears to be a lack of action among
many respondents. Only 9% currently have a
long-term care insurance policy, and of those
who do not, just 9% are planning to purchase
one at some point.
Further, many do not realize that long-term
care insurance rates are based on the age
at purchase, and therefore postponing the
purchase of a policy at earlier years can prove
more costly in the long run.
A gap continues to exist between knowing
about the need for long-term care and taking
steps to ensure coverage.
Separating Myths from Realities
What Is Long-Term Care?
Respondents showed considerable awareness of
what long-term care is and the circumstances
under which it may be needed. Nearly seven
in 10 (68%) correctly identified that longterm care does not refer to ongoing medical
treatment at home or in a hospital, but rather
ongoing assistance with daily functional tasks,
such as bathing, dressing, and eating.
Older respondents were more likely than
younger ones to correctly define long-term care.
Those ages 50–70 (74%) more often answered
correctly than those ages 40–49 (60%).
A large majority (85%) of respondents know
that long-term care may be a result of
Alzheimer’s disease, an accident, or a chronic
or disabling condition.
Nearly half of respondents in 2004 and 2009 (45%)
correctly identified how many households are
caring for an adult family member or loved one.
Underestimating the Need
While 60%–70% of people over age 65 will
need long-term care services at some point
in their lives,1 only 36% of respondents
answered correctly. Over half of the
respondents underestimated the actual
number, with one in six (17%) who believe
the proportion to be only 20%–30%. Clearly,
there is a disconnect between knowing about
the need for long-term care and taking steps
to ensure coverage.
While the need for long-term care can
happen at any age, it is most likely to occur
at older ages and the proportion of those
65 and older is projected to rise from about
13% of the population in 2009 to 20% in
2040, according to the U.S. Census Bureau.
The changing demographics point to a
need to raise awareness of long-term
care issues.
Percentage of People Over Age 65 Who Will Need Long-Term Care
17%
20%–30%
40%–50%
36%
60%–70%
36%
CORRECT
ANSWER
80%–90%
10%
Question: Approximately what percent of people over age 65 will require some long-term care
services at some point in their lives?
Percentages do not total 100% due to rounding.
1
According
to the National Clearinghouse for Long-Term Care Information (U.S. Department of Health and Human Services,
2009), about 70% of individuals over age 65 will require at least some long-term care services during their lifetime.
METLIFE LONG-TERM CARE IQ
7
Separating Myths from Realities
Long-Term Care Myth: Most long-term care is received
in a nursing home.
Long-Term Care Fact: Most long-term care is received
in one’s own home.
Most Care Is Received at Home
More than one-third of the respondents (37%)
know that most long-term care services are
received at home, which is significantly more
than in 2004 (18%).
Interestingly, younger respondents (ages 40–49)
were more likely (41%) than 60- to 70-yearolds (32%) to note correctly that long-term
care is most often received in one’s own home.
Older respondents were more likely to name a
nursing home as the place where most receive
long-term care services. This may represent a
“knowledge gap” between the generations as
to where long-term care is generally provided.
Nearly all respondents are aware that long-term
care is not administered in a hospital.
Most respondents anticipating a need for
long-term care would like to receive
such care in their own homes either by a
professional or family member. Only 25%
would prefer an assisted living facility,
and just 3% would choose to receive
their care in a nursing home.
How Long-Term Care Costs
Are Paid For
As long-term care costs can seriously weaken
one’s ability to enjoy a financially comfortable
retirement, it is surprising that many people
do not understand who truly pays for
long-term care. While many are all too aware
of the rising cost of long-term care, a majority
are unsure who pays for it.
Where Is Most Long-Term Care Received?
37%
In their own home
In their own home
CORRECT
ANSWER
18%
In an assisted living facility
In an assisted living facility
28%
27%
In a nursing home
32%
55%
In a hospital
1%
0%
Question: Where do most people receive long-term care services?
2009
2004
Percentages may not total 100% due to rounding.
8
28%
27%
32%
In a nursing home
1%
In a hospital
0%
18%
37%
2009
2004
Only one-third (34%) of respondents realize
that health insurance, disability insurance, or
Medicare will not pay for expenses associated
with long-term care. Similarly, a large number
of caregivers (76%) are unaware which
insurance or programs pay for long-term care.
Nearly 20% of respondents believe disability
insurance will cover their long-term care costs.
One-third (33%) feel Medicare/Medigap will
cover them, while 14% believe their health
insurance provider will do so. While Medicare/
Medigap and private health insurance may
cover some of the same services that people
with long-term care needs receive such as home
care and care in a nursing home, they will only
do so under limited circumstances such as
a skilled need as defined by Medicare or the
health insurance policy. An example would be
services at home or in a skilled nursing facility
for rehabilitation following a hip fracture. These
insurances would not cover ongoing daily care
needs, often referred to as “custodial care,” that
are associated with a long-term care illness.
Fortunately, awareness of the cost for assisted
living has increased from the 2004 levels. Today,
some 40% of respondents correctly noted the
national monthly cost of long-term care in an
assisted living community was between $2,000
and $4,999, compared to just 28% five years
earlier. Half (51%) of the respondents believed
the cost was actually higher.
Further, for those who do not plan to purchase
a long-term care insurance policy, most of them
are unsure or have not thought about how to
pay for these services should the need arise.
This is especially true for younger respondents
(ages 40–49), as over half (53%) have not
considered how they would pay for long-term
care. About 25% of 60- to 70-year-olds also
have no plan regarding how to pay for longterm care. Overall, nearly 30% report not being
sure about how to pay for long-term care, while
nearly 40% admit not having thought about it.
Long-Term Care Myth: Medicare, health insurance, and disability
insurance pay for long-term care expenses.
Long-Term Care Fact: Long-term care insurance is the only
form of private insurance coverage to pay for ongoing long-term
care expenses.
METLIFE LONG-TERM CARE IQ
9
Separating Myths from Realities
Types of Insurance That Cover Long-Term Care
CORRECT
ANSWER
None of the
above
34%
Health
Insurance
14%
Medicare/
Medicare
Supplement
(Medigap)
33%
Disability
Insurance
19%
Question: In the event that you needed extended care due to an accident or to a chronic illness,
whether in your own home, in an assisted living facility, or in a nursing home, what type of insurance
would pay for your expenses?
Ironically, 87% of respondents correctly
understand that comprehensive long-term
care insurance pays for all forms of long-term
care services.
The repercussions resulting from the confusion
as to who pays for long-term care services
promise to be particularly challenging, since
the majority of respondents believe other forms
of insurance will pay for their long-term care.
While many respondents can name which
services are associated with long-term care,
they are largely mistaken when it comes to
identifying who will pay for it.
Another long-standing myth concerns the
transfer of assets in order to qualify for
Medicaid, a payer of long-term care expenses
for those with limited income and assets.
Just under two-thirds (64%) are aware
that the immediate transfer of financial
assets to your family would not allow
you to qualify for Medicaid payments
for long-term care.
Long-Term Care Myth: I can immediately qualify for Medicaid
to pay for my long-term care by transferring assets to a
family member.
Long-Term Care Fact: When a person applies for Medicaid
coverage to pay for their long-term care, the state will conduct
a review, or “look-back,” of financial records over the five years
prior to application to see if assets were transferred for less than
fair-market value. If they were, the application can be denied.
10
Long-Term Care Myth: Family history, income, and age are all
primary factors when calculating long-term care insurance.
Long-Term Care Fact: Age is a primary factor in calculating
long-term care insurance premiums.
How Long-Term Care Insurance
Rates Are Determined
Understanding how long-term care rates
are determined represents the greatest gap
among respondents, as less than 20% correctly
answered this, while the vast majority (71%)
incorrectly noted that family history, income,
and age are all factored into the rates.
An applicant’s age is a primary factor in
calculating long-term care insurance premiums.
The decision to put off purchasing a long-term
care insurance policy can result in paying a
higher rate when they do buy a policy.
The ongoing premium is calculated based
on the age at which an individual enrolls
for coverage.
The cost of waiting can also disqualify one
from receiving a more favorable rate. For
example, in addition to paying a higher rate at
an older age, an individual’s health may change
over time. Waiting to purchase insurance
may also result in a person receiving a more
expensive rate because of health problems.
There is also a possibility that the individual
may no longer be eligible for any coverage
because of health conditions.
Basis of Long-Term Care Insurance Rates
Age
18%
CORRECT
ANSWER
Income
Family history
9%
1%
All of the above
71%
Question: Long-Term Care Insurance rates are primarily based on…?
Percentages do not total 100% due to rounding.
METLIFE LONG-TERM CARE IQ
11
Separating Myths from Realities
Additional Learning
Despite awareness of some key long-term
issues, there appears to be a lack of action to
obtain coverage among most respondents. Only
9% currently have a long-term care insurance
policy, and of those who don’t, just 9% are
planning to purchase one at some point. This is
despite the fact that 35% say they believe they
will need long-term care services for themselves
in the future. Almost half (46%) of those who
are separated, widowed, or divorced have no
plans to purchase a policy. Other MetLife
Mature Market Institute research suggests
that these individuals are most likely to be
financially vulnerable should they face the need
for long-term care services.2
The survey also found that two-thirds (67%)
of those who do not plan to purchase longterm care insurance state that the reason is
that a policy is too expensive. Their response
may be due in part to the fact that only a small
percentage of respondents realize that the rates
are based primarily on age, pointing to their
lack of awareness that rates are lower when
policies are purchased at younger ages.
Many of those surveyed (38%) responded that
their spouse would provide for their primary
long-term care needs. This was closely followed
by those naming a professional caregiver as
their primary provider (35%). Just 17% named
their adult children and only 10% listed another
family member. Older respondents (ages 50–70)
were more likely to state that their care would
come from a professional caregiver, not a
spouse, perhaps reflecting that at later ages,
a spouse may require care or be unable
to provide care.
More Education Needed: The long-term care industry, insurance
companies, as well as the federal and state governments need
to do a better job in educating the public about what it is,
where it is delivered, and how individuals pay for it.
2
The MetLife Family Matters Study, MetLife Mature Market Institute, February 2008.
12
Where People Look for Long-Term Care Information
35%
State educational programs
50%
Federal programs
28%
Municipal/community resources
61%
Long-term care service providers
45%
Family and friends
40%
Insurance company representative
17%
Financial advisor
Other
5%
Question: Which of the following are useful resources for you for obtaining
long-term care information?
Multiple responses permitted.
Despite being more knowledgeable about longterm care issues, older respondents are less likely
to purchase long-term care insurance than their
younger counterparts. Almost half (47%) of the
60- to 70-year-olds have no plans to purchase
a policy compared to 36% of those ages 40–49.
Older respondents are more inclined to use
personal savings than an insurance policy when
it comes to long-term care (17% of those ages
60–70 compared to 5% of those ages 40–49),
even in view of the significant out-of-pocket
costs for long-term care.
Other sources many people find useful are
federal and state programs, employee benefit
plans, family and friends, and insurance
company representatives.
Overall, the place people go to most frequently
for long-term care information is long-term
care service providers, such as assisted living
communities, home care agencies, or nursing
homes. While they may perceive providers as
a useful source, it appears that people are not
seeking information until they are near or in
a situation of needing this type of information.
METLIFE LONG-TERM CARE IQ
13
Conclusion
While we may never have to answer a riddle
in order to continue on a journey, chances are
most people will one day need to plan for their
long-term care needs and how to pay for them.
Americans’ knowledge of some key components
of long-term care has increased since 2004,
yet there still remain serious misconceptions
about the potential need for this type of care.
More importantly, people need to take action
to protect themselves against these expenses.
› Long-term care awareness is increasing.
However, it is doing so in an inconsistent
manner and many misconceptions remain
among the American population.
› A large percentage of the population ages
40–70 is unaware of their potential need
for care as well as how to pay for it.
› Many erroneously think the federal
government or health insurance cover longterm care expenses. Medicare, Medicare
14
Supplement Insurance, or standard health
or disability insurance plans do not pay for
ongoing long-term care expenses.
› Many respondents believe long-term care
is received in a nursing home when, in fact,
most long-term care is received at home.
› Respondents continue to misunderstand that
age is a primary factor in calculating longterm care insurance premiums, adversely
affecting their decision making about this
coverage for their long-term care needs.
While there have been sporadic improvements
in some areas of knowledge and consistency
of some misconceptions, most adults have yet
to connect-the-dots about their long-term
care needs, financing, income protection,
and their own decision making and actions
to address these issues. An important part of
the solution to the long-term care riddle lies
in educating the public about the realities of
long-term care.
Methodology
During February and March 2009, the MetLife
Mature Market Institute commissioned a
follow-up to its 2004 national study to again
measure knowledge and understanding of
long-term care issues. The MetLife Long-Term
Care IQ was conducted by GfK Custom
Research North America. A total of 1,021
respondents ages 40–70, who were the co- or
primary household financial decision makers,
completed the web-based survey. Participants
were members of GfK and SSI’s (Survey
Sampling International) Internet panels.
topic remained the same. In addition, answer
options for one question were adjusted to
keep pace with changes in information on
the subject.
The 2009 MetLife Long-Term Care IQ consisted
of 10 questions—seven of which were taken
from the 2004 study along with three new
questions. The wording in some questions was
slightly modified, although the content and
The margin of error for the survey was plus
or minus three percentage points. Data were
weighted to be representative of the population.
A demographic breakdown of participants
is found below.
A new feature to the 2009 MetLife Long-Term
Care IQ is a set of additional questions assessing
respondents’ behaviors and attitudes toward
various long-term care-related issues. These
questions were added to compare common
traits of those who performed well on the
survey and to help identify implications.
Respondent Demographics
Age:
40–49: 40%
50–59: 35%
60–70: 25%
Household
Assets:
Less than $50,000: 46%
$50,000–$249,999: 22%
$250,000 or more: 10%
Gender:
Male: 49%
Female: 51%
Household
Income:
Less than $30,000: 28%
$30,000–$49,999: 28%
$50,000–$99,999: 27%
$100,000 or more: 9%
Employment
Status:
Full-time: 36%
Part-time: 15%
Not employed: 25%
Retired: 24%
Marital Status: Married: 57%
Single: 17%
Separated, widowed,
or divorced: 26%
Education:
High school or less: 51%
Some college: 18%
College grad
or higher: 30%
Percentages may not total 100% due to rounding or non-response.
METLIFE LONG-TERM CARE IQ
15
Appendix: Questions and Answers
Answers Offered % Selected*
IQ Questions
3
4
Ongoing medical
treatment at home
Chemotherapy
Ongoing
assistance with
day-to-day
activities such as
bathing, dressing,
or eating
Alzheimer’s
disease
An accident
Chronic or
disabling
conditions
All of the above
1 out of 2
1 out of 5
1 out of 10
1 out of 15
Where do most people receive
long-term care services?
In their own home
In an assisted
living facility
In a nursing home
In a hospital
What is the 2008 national average
monthly base cost for assisted living?
Less than $2,000
$2,000–$4,999
$5,000–$7,999
$8,000 or more
True
True, as long as
I only transfer
money to my
children
True, as long as
I am in a
nursing home
13%
False
64%
Medicare/
Medicare
Supplement
(Medigap)
Disability
insurance
Health insurance
None of
the above
20%–30%
40%–50%
60%–70%
80%–90%
Age
Income
Family history
All of the above
Nursing home
Home care
Assisted living
All of the above
Long-term care refers to a situation
when a person needs…
1
Ongoing medical
treatment in
a hospital
10%
The need for long-term care may be
a result of…
How many households are personally
providing care to an adult family member
or other loved one?
Transferring financial assets to your
family or loved ones would allow you
to qualify immediately for Medicaid
payment for long-term care.
In the event that you needed extended
care due to an accident or to a chronic
illness, whether in your own home, in
an assisted living facility, or in a nursing
home, what type of insurance would pay
for your expenses?
Approximately what percent of people
over age 65 will require some long-term
care services at some point in their lives?
Long-term care insurance rates are
primarily based on…
A comprehensive long-term care
insurance plan covers the cost of:
2
19%
3%
2%
13%
37%
5%
15%
45%
28%
43%
33%
17%
18%
5%
Percentages may not total 100% due to rounding or no response.
* By 2009 MetLife Long-Term Care IQ respondents.
On this page, correct answers are highlighted in blue shaded boxes.
16
7%
19%
36%
9%
3%
1%
6%
30%
32%
27%
14%
36%
1%
4%
68%
85%
9%
1%
24%
34%
10%
71%
87%
Appendix continued: Additional Questions and Answers
Additional
Questions
Answers Offered % Selected*
Do you plan to purchase a
long-term care insurance
policy…? 1
Within
the next
6 months
How do you plan to pay
for long-term care services
if you need them in the
future?* 2
Own savings
or other
personal
financial
resources
Why don’t you plan on
purchasing a long-term care
insurance policy?* 2
If you were to need longterm care at some point
during your life, who do
you anticipate being the
primary provider for your
care needs?
Do you think you will need
long-term care sometime in
the future?
What type of care would
you prefer most? 3
1%
How many hours per week
are spent providing this
regular care? 4
Do you expect to have to
provide this type of regular
care in the future? 5
Which of the following are
useful resources to you for
obtaining long-term care
information?**
Unsure
Medicaid
Borrow
money
Assistance
from adult
children
Other
means
Don’t know
It’s too
expensive
I won’t
need it
I won’t be
eligible
I’m too
young
It’s too
confusing
I’m waiting
for a better
policy
Your
spouse
Your adult
children
Other
family
member(s)
Professional
health care
provider(s)
Assisted
living
Nursing
home
All of the
above
5–7
hours
10%
8–10
hours
17%
11–15
hours
16–20
hours
More than
20 hours
33%
12%
Municipal/
community
resources
Long-term
care service
providers
Family
and
friends
Insurance
company
representative
Financial
advisor
Other
67%
38%
Yes
19%
6%
8%
17%
65%
Home care
by a
professional
Home care
by family
member(s)
30%
92%
Less than
2 hours
2–4
hours
Yes
9%
3%
28%
3%
Haven’t
thought
about it
39%
Other
21%
35%
25%
3%
15%
6%
1
B ase: Does not currently have
long-term care insurance.
2
Base: Does not plan to purchase
long-term care insurance.
3
Base: Believes they will need
long-term care in the future.
4
Base: Currently providing
regular care to adult relative.
5
Base: Currently not providing
regular care to adult relative.
8%
Don’t
know
No
25%
75%
State
educational
programs
Federal
programs
35%
7%
6%
No
8%
4%
10%
1%
40%
No
35%
Yes
0%
51%
Don’t plan to
purchase one
3%
10%
2%
In the next
year to
5 years
Over 5 years
from now
from now
3%
26%
Are you [or your spouse/
partner] personally
providing regular care to
an adult relative, such as
personal care (i.e., bathing,
dressing, walking) or similar
assistance?
In the next
6 months
to a year
from now
50%
28%
61%
45%
40%
17%
5%
Percentages may not total 100% due to rounding or no response.
* By 2009 MetLife Long-Term Care IQ respondents.
** Multiple responses permitted.
METLIFE LONG-TERM CARE IQ
17
18
For access to publications by the MetLife Mature Market Institute,
including the consumer guide, The Essentials: Long-Term Care Insurance,
please visit www.MatureMarketInstitute.com.
METLIFE LONG-TERM CARE IQ
19
www.MatureMarketInstitute.com
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MMI00205(0909)
© 2013 Metropolitan Life Insurance Company
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