Myth #3  -  "People only need Long-Term Care services when they get old"

Fact:  Yes—most long-term care needs occur later in life, but two realities make this myth dangerous:  Planning gets more expensive the longer you wait, and care needs don’t only happen to the elderly.

Let’s break it down:

1. Long-term care is more common than people think.

• Most Americans age 65+ will need some form of assistance with daily living

• But we can't and don't know for how long or to what extent.

• Aging isn’t the only cause—stroke, cancer, neurological conditions, accidents, and chronic illnesses can trigger the need for care at any age.

​2. Planning early saves money and preserves options.

Waiting doesn’t reduce the risk—it just makes it more expensive and harder to solve.  Planning younger means:

• Lower costs for LTC coverage or insurance-based planning.

• Better health = better approval odds and better benefits.

• Less chance of being declined due to health issues that appear in your 50s or early 60s.

Planning later often means:  Higher premiums, limited solutions, or no coverage options at all.....

Bottom Line:  Long-term care isn’t just about age—it’s about health, independence, and timing.  People don’t plan early because they’re old.  They plan early because they want control while they’re still healthy enough to have a choice.