Mutual of Omaha partnered with CLTC® and Amada Senior Care on a new 2025 study examining how caregiving differs when a loved one has long-term care insurance (LTCI). Four focus groups of family caregivers—half with LTCI, half without—highlighted clear advantages for insured families.
Key Findings for Producers
1. LTCI significantly reduces financial strain.
Caregivers with LTCI described the coverage as a “lifesaver,” especially when paying for home care or 24-hour support. Those without LTCI faced far greater financial pressure and often became the primary caregiver.
2. Accessing care is challenging—but LTCI provides relief.
While all caregivers struggled to find reliable paid help, those with LTCI had more options through agencies and were less likely to shoulder day-to-day care themselves.
3. Many families underuse key policy features.
Even insured caregivers were often unaware of benefits such as respite care, home modifications, and caregiver support services—highlighting a major opportunity for producer education.
4. Firsthand experience drives future planning.
Caregivers who witnessed the value of LTCI were far more open to purchasing coverage for themselves, while uninsured caregivers tended to delay planning.
Why This Matters
This study reinforces what producers see every day: LTC insurance dramatically eases the financial and logistical burden. It also shows that clear education from producers can help families understand and use their benefits more effectively. Check out the study today!
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