4+ day, 21+ hour ago (432+ words) Many Americans will not be able to afford the long-term care (LTC) they, or aging loved ones they're caring for, will someday require. Benefits including long-term-care insurance (LTCi) and predictive AI technology that assesses potential future needs can encourage employees to invest in this later-life stage ahead of time. "The care needs are expensive, they can last a long time, and they're not covered by any of the insurances that we typically have," says Eileen Tell, principal and owner of ET Consulting, which focuses on long-term-care aging services, research and policy. In a study by the Certification for Long-Term Care (CLTC) and UMass Boston's LeadingAge LTSS Center for which Tell was a leading researcher, families with and without LTCi shared feedback about their experiences with in-home long-term care. The strain on families without insurance was clear. "When a loved one…...

5+ day, 10+ hour ago (432+ words) Many Americans will not be able to afford the long-term care (LTC) they, or aging loved ones they're caring for, will someday require. Benefits including long-term-care insurance (LTCi) and predictive AI technology that assesses potential future needs can encourage employees to invest in this later-life stage ahead of time. "The care needs are expensive, they can last a long time, and they're not covered by any of the insurances that we typically have," says Eileen Tell, principal and owner of ET Consulting, which focuses on long-term-care aging services, research and policy. In a study by the Certification for Long-Term Care (CLTC) and UMass Boston's LeadingAge LTSS Center for which Tell was a leading researcher, families with and without LTCi shared feedback about their experiences with in-home long-term care. The strain on families without insurance was clear. "When a loved one…...