Medicare Where we Stand? Personal Retirement Accounts: The Opportunity to Choose and Control our Future: February 2001
working ratio 2:1 by 2030 Long Term Health Care
Are you likely to need long-term care?
This year about seven million men and women over the age of 65 will need long-term care. By the year 2005, the number will increase to nine million. By the year 2020, 12 million older Americans will need long-term care. Most will be cared for at home; family members and friends are the sole caregivers for 70 percent of elderly people. But a study by the U.S. Department of Health and Human Services indicates that people of age 65 face at least a 40 percent lifetime risk of entering a nursing home. About 10 percent will stay there five years or longer.
The American population is growing older, and the group over age 85 is now the fastest-growing segment of the population. The odds of entering a nursing home, and staying for longer periods, increase with age. In fact, statistics show that at any given time, 22 percent of those age 85 and older are in a nursing home. Because women generally outlive men by several years, they face a 50 percent greater likelihood than men of entering a nursing home after age 65.
You may never need a nursing home. But the longer you live, the greater the chance that you will need some form of long-term care.

Copyright 2000 Health Insurance Association of America
What you should know about Long Term Health Care
Should I buy long-term care insurance?
When should I buy long-term care insurance?
Where can I buy long-term care insurance?
What choices do I have if I buy long-term care insurance?
What should I look for in a policy?
How much will it cost me?$26
(Diagnosis Related Groups):
DRG 103: Heart Transplant
DRG 302: Kidney Transplant
DRG 480: Liver Transplant
DRG 495: Lung Transplant
DRG 481: Bone Marrow Transplant

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