Predict Long Term Care Insurance Risk with Life Span Calculators

Live a long life and the risk of needing long term care insurance grows exponentially according to the American Association for Long-Term Care Insurance director who recommends individuals use online life span calculators now available on trade group's website.

Los Angeles, CA, March 05, 2012 --( The question most frequently asked by consumers contacting the American Association for Long Term Care Insurance is, “will I really need long term care?”

“This is the first generation of Americans who in large numbers are living long lives,” explains Jesse Slome, executive director of the national trade group. “As a result, it really is the first generation exposed in very large numbers to the huge financial and emotional toll resulting from living into your 80s, 90s and even past age 100.”

According to the Association, few individuals can accurately predict how long they will likely live. “They’ll say until age 67 when the reality is that they will likely live to age 87,” Slome explains.

To provide greater access to information to consumers, the Association has added information to it’s Consumer Learning Center with links to leading online life span calculators. “We urge all adults over the age of 55 to take five minutes to see how long they may live,” Slome urges. “We think many will be surprised though they may then realize they are not prepared.”

According to the long term care insurance trade group, the vast majority of new long term care insurance claims begin after individuals reach the age of 70. “Two thirds of new claims begin after age 80 but you can only purchase long term care insurance when you are still able to medically health qualify,” Slome notes. The organization’s recommended ages to start planning fall between ages 55 and 64.

For more information as well as access to recommended life span calculators visit the long term care insurance trade group’s website at Those with questions or wishing to connect with a designated long term care insurance expert can call the Association’s offices at (818) 597-3227. The organization also makes available educational guides that can be read online with no sign-in requirements.

American Association for Long-Term Care Insurance
Jesse Slome