LONG-TERM CARE IN AMERICA: AMERICANS WANT TO AGE AT HOME
© Copyright 2021. The Associated Press and NORC May 2021 |
Despite the impact of COVID-19 on older adults, few Americans are prepared for their own aging and
potential care needs. Although Medicare only covers limited ongoing living assistance services, the
program is cited as a key component of the long-term care financing plan for many Americans – 49% of
those age 40 and older expect to rely on the program to pay for their long-term care needs. And a
majority of Americans age 40 and older have done little or no planning for their own care needs.
During the pandemic, many Americans have become accustomed to receiving health care at home:
53% say they have used live video, phone calls, text messages, or email to receive health care from a
doctor or other health care provider over the last year.
Thinking ahead to their personal situation as they age, many express concerns about being alone
without family and friends, having their social needs met, and health and safety issues at a retirement
community or nursing home. They also worry about a loved one needing care in a nursing home,
though those concerns have declined since last September.
The AP-NORC Center conducted this study with funding from The SCAN Foundation. The survey
includes 1,113 interviews with a nationally representative sample of Americans using the AmeriSpeak
Panel®, the probability-based panel of NORC at the University of Chicago. Interviews were conducted
between March 25-29, 2021 via web and phone in English. The margin of sampling error is +/- 3.7
percentage points.
Key findings from the study include:
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Support is high for government action in helping Americans pay for long-term care: 60% favor a
government-administered long-term care insurance program similar to Medicare and 63% favor
government funding for program to allow people with low incomes to receive care at home.
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Americans think health insurance companies (52%), Medicare (51%), and Medicaid (41%) should
have a large or very large responsibility to pay for ongoing living assistance. Just 35% think
individuals and 15% think families should be responsible.
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51% think shoring up the Medicare trust fund should be a top priority for the Congress and the
Biden administration and another 38% think it is a lower but still important priority. Just 9% think
it is not an important priority or shouldn’t be done at all.
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Reflecting their strong preference for receiving care in a home environment, common aging
concerns about aging include losing independence as they age (67%), being alone without family or
friends around them (60%), and having social needs met (57%). Many also worry about having to
leave their home and move into a nursing home (53%) and about experiencing health and safety
issues in a retirement community or nursing home (54%).
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33% would be very or extremely concerned about a loved one needing a short-term stay in a
nursing home for rehabilitation, and 44% would be concerned about a long-term stay or permanent
residence in a nursing home. These concerns have declined since September 2020 (44% and 60%,
respectively).
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Most Americans do not feel prepared for their own care needs: 69% say they have done little or no
planning and just 16% are confident they will have the financial resources they need to pay for
long-term care.
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Few have discussed their preferences for ongoing living assistance with their doctor (11%) or family
and friends (31%). Even among those age 60 and older, rates are low (14% and 46% respectively).