Do you know that extra females want prolonged care than males do? In keeping with the Coalition of Ladies in Lengthy Time period Care (COWL), an advocacy affiliation engaged on behalf of ladies within the continuum of long run care in the US, ladies characterize 87 p.c of the recipients of long-term care. Additionally, 97 p.c of caregivers in nursing properties and different well being care amenities are feminine.

Having mentioned that, ladies will not be solely the first receivers of long run care, however they’re additionally the foremost suppliers of it. This isn’t stunning in any respect as a result of medical research present that senior females have a higher likelihood of affected by extended sickness or incapacity than males.

Long run care can be a ladies’s challenge, and the statistics are sufficient to assist this declare. Under are a few of the points affecting many ladies right this moment with regards to long-term care.

Life Expectancy

Life expectancy is without doubt one of the components affecting long run care for ladies and their susceptibility to diseases as they get older. As you all know, ladies’s life expectancy is longer than males. Ladies make up 72% of the inhabitants – ages 85 years previous and above. As a result of they usually outlive their companions, many older ladies reside independently. In keeping with a inhabitants knowledge in 1998, about 60% of ladies with ages 65 years previous and older have been both widowed, divorced, or had by no means married, as in comparison with 25% of older males. In 2000, virtually 7% of all ladies have been 75 years previous or older.

Low Incomes

As in comparison with males, ladies usually have decrease incomes. Because of this they’ve don’t have sufficient funds to satisfy their wants. Females who’re 65 years and above, are twice as liable to be poor as are older males. This makes low-income ladies doubly susceptible to entry to long run care.

Different Points

A research performed by American Affiliation of Retired Particular person (AARP) additionally reveals that ladies are the first customers of long-term care. In keeping with the group’s survey, 59% of ladies will not be educated what long run care insurance coverage entails and the way they may pay for it. 40% of ladies, in the meantime, don’t have any thought in regards to the protection of long run care. Many don’t know that long run care for ladies doesn’t solely pertain to nursing dwelling care, but in addition quite a lot of providers resembling grownup dwelling care, assisted residing, and many others.

Furthermore, solely a minority of ladies absolutely acknowledge the significance of getting long run care insurance coverage. The AARP research reveals that solely 23% of ladies will probably plan their future well being and allot their private financial savings for LTCi. Many ladies fail to appreciate the restrictions of protection supplied by Medicare and different non-public medical health insurance.