About

About This Site

This site was created by a financial advisor with 42 years of experience as a way to provide critical information to the public about long-term care without sales hyperbole.

Why This Site Exists

Long-term care is one of the most significant financial risks facing older Americans — and one of the least understood. Most people encounter information about it only when they are being sold something: an insurance policy, an annuity, a financial planning engagement. The result is that the public's understanding of long-term care is shaped largely by marketing materials rather than by neutral analysis.

This site exists to change that. It was built to give people the facts they need to understand the risk, evaluate their options, and make informed decisions. The educational content is editorially independent — it is not written to steer readers toward any particular product or strategy.

The information on this site draws on publicly available data from government agencies, academic researchers, and industry surveys. Where sources disagree — as they sometimes do on questions like the probability of needing care — this site presents the range and explains the disagreement rather than choosing the number that makes the best headline.

This site is maintained by Blue Tiger Financial. If you would like to discuss your personal long-term care situation with the creator of this site, you are welcome to reach out directly at rodney@longtermcareforme.com. There is no obligation and no sales pitch — just a conversation if it would be useful.

Editorial Principles

Editorially independent content: The educational content on this site is written to inform, not to sell. It is not written to favor any particular insurance product, financial strategy, or planning approach. Where evidence supports multiple conclusions, multiple conclusions are presented.
Every statistic is sourced: Every number on this site is attributed to a specific organization and year — either inline in the text or in the Sources section of the About page. Where sources disagree, the disagreement is noted and both figures are presented.
Complexity is acknowledged: Long-term care planning involves genuine uncertainty — about how long care will be needed, what it will cost, and which strategies will work best for a given family. This site does not pretend otherwise.
Rules change; verify before acting: Medicaid rules, insurance regulations, tax limits, and benefit amounts change over time and vary by state. This site is a starting point for understanding, not a substitute for current professional advice.

Disclosure

This educational site is maintained by Blue Tiger Financial. Rodney, the creator of this site, is a licensed financial professional with 42 years of experience in long-term care planning. The educational content is editorially independent. If you choose to reach out for a personal consultation, that conversation is provided by Blue Tiger Financial's licensed professionals. There is no obligation to do so, and nothing on this site is contingent on it.

rodney@longtermcareforme.com

Disclaimer

This site is an educational resource only. Nothing on this site constitutes financial, legal, tax, or insurance advice. The information presented reflects publicly available data and is provided for general informational purposes. Rules, costs, benefit amounts, and eligibility requirements change over time and vary significantly by state. Before making any decisions about long-term care planning, insurance, or Medicaid, consult a qualified financial advisor, elder law attorney, or insurance professional licensed in your state.

Sources & References

The following organizations and publications are the primary sources for data and information presented on this site. Links open the source organization's website.

Genworth / CareScout Cost of Care Surveygenworth.com

Annual survey of long-term care costs across all 50 states and hundreds of local markets. The primary source for national median and state-by-state cost figures on this site. Data cited from the 2023 survey.

U.S. Department of Health and Human Services (HHS) / Administration for Community Living (ACL)acl.gov/ltc

Federal agency responsible for programs serving older adults and people with disabilities. Source for the 70% lifetime probability of needing long-term care estimate and other demographic data.

Urban Instituteurban.org

Nonpartisan research organization. Source for the 52% lifetime probability estimate (using a stricter definition requiring paid or significant unpaid care), which differs from the HHS/ACL figure. The discrepancy is discussed on the Statistics page.

Medicare.govmedicare.gov

Official U.S. government source for Medicare program information, including coverage rules for skilled nursing facility care, home health, and hospice. Source for Medicare coverage limits and copay amounts.

KFF (Kaiser Family Foundation)kff.org

Nonpartisan health policy research organization. Source for Medicaid long-term care spending data, including Medicaid's share of total nursing home costs and home and community-based services spending.

Alzheimer's Associationalz.org

Source for Alzheimer's disease prevalence data, 2050 projections, and cost-of-care estimates for dementia-related care. Data cited from the 2023 Alzheimer's Disease Facts and Figures report.

Centers for Disease Control and Prevention (CDC)cdc.gov

Source for data on the prevalence of disability and functional limitations among older adults, and for nursing home utilization statistics.

National Association of Insurance Commissioners (NAIC)naic.org

Source for long-term care insurance market data, including the number of covered lives, premium volume, and the NAIC Long-Term Care Insurance Model Regulation.

AARP Public Policy Instituteaarp.org

Source for data on family caregiving, including the estimated 53 million unpaid family caregivers in the United States and the economic value of unpaid care.

10.

U.S. Department of Veterans Affairs (VA)va.gov

Source for Aid & Attendance benefit eligibility rules, maximum monthly benefit amounts, and application procedures.

11.

U.S. Department of Housing and Urban Development (HUD) — HECM Programhud.gov

Source for Home Equity Conversion Mortgage (HECM) program rules, borrower requirements, and counseling requirements.

12.

Internal Revenue Service (IRS)irs.gov

Source for Section 7702B tax-qualified LTC insurance rules, age-based premium deductibility limits, and HSA contribution and qualified expense rules.

13.

Social Security Administration (SSA)ssa.gov

Source for Social Security benefit timing data and the financial implications of claiming age on lifetime benefits.