---
title: Clients Think Long-Term Care Events Happen to Other People
description: A video and guide from Lincoln Financial on protecting your client's wealth from LTC expenses.
---

## Planning Tips and Carrier News for Advisors

- [The Advisor's View of Long-Term Care Planning](https://www.ltcipartners.com/blog)
- [Planning Tips and Carrier News for Advisors](https://www.ltcipartners.com/carriernews)
- [Consumer Planning Blog](https://www.ltcipartners.com/planning-for-long-term-care-in-america)
- [Group LTC Benefits Blog](https://www.ltcipartners.com/group-ltc)
- [On-demand webinar library](https://www.gotostage.com/channel/ltcipartners)

- [The Advisor's View of Long-Term Care Planning](https://www.ltcipartners.com/blog)
- [Planning Tips and Carrier News for Advisors](https://www.ltcipartners.com/carriernews)
- [Consumer Planning Blog](https://www.ltcipartners.com/planning-for-long-term-care-in-america)
- [Group LTC Benefits Blog](https://www.ltcipartners.com/group-ltc)
- [On-demand webinar library](https://www.gotostage.com/channel/ltcipartners)

[Jun 29, 2026

### John Hancock in-force rate action for select states

](https://www.ltcipartners.com/carriernews/john-hancock-in-force-rate-action-for-select-states)

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Nov 6, 2015 • [LTCI Partners](https://www.ltcipartners.com/carriernews/author/ltci-partners)

## Clients Think Long-Term Care Events Happen to Other People

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Clients Think LTC Happens to Other People

| Make LTC conversations easy **For agent or broker use only. Not for use with the public.** |
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| ![](http://lincolnfinancial.dmplocal.com/dsc/collateral/TIER1_HEADER_LTCEP.jpg) |
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| Clients think long-term care events happen to other people. Source: Lincoln Financial Group and Hanover Research, “Managing Long-Term Care Risk,” Oct. 2014. http://newsroom.lfg.com/wealth-protection-expertise You know better. Let Lincoln help you dispel the myths. You know that clients are living longer than ever – and that means they’re more likely to need long-term care at some point. Research shows that 70% of people turning age 65 can expect to use some form of long-term care. † Long-term care expenses can deplete savings 2-3 times faster than expected without proper planning, according to advisors Lincoln surveyed.* Only 22% of consumers we surveyed feel prepared to finance a long-term care event.* Advisors tell Lincoln that long-term care expenses are the hardest risk to manage in their clients’ retirement plans.* So we’ve created a suite of tools and education to clarify the long-term care solutions marketplace, clear up your clients’ common misconceptions, and make it easy to engage clients in planning for these expenses. Start protecting your clients’ wealth from long-term care expenses Read our best tips for engaging clients on long-term care planning Protecting clients’ wealth from long-term care expenses MG-LTHC-BRC001 Help your clients understand the need for long-term care with this video: Understanding the challenge Click here for version approved for use in: AZ, CA, CT, DC, DE, FL, IN, MT, ND, NJ, SD and VI Click here for version approved for use in: All other states Visit WealthProtectionExpertise.com or contact your Lincoln representative today for our resources and education. |

| † Peter Kemper, Harriet L. Komisar, and Lisa Alecxih, Long-Term Care Over an Uncertain Future: What Can Current Retirees Expect? Inquiry 42, no. 4 (Winter 2005–2006), 335-50. http://www.alisprotect.com/UncertainFuture.pdf U.S. Department of Health & Human Services, “Medicare & You 2015,” www.Medicare.gov, www.medicare.gov/Pubs/pdf/10050.pdf, revised December 2014. *Lincoln Financial Group and Hanover Research, “Managing Long-Term Care Risk,” Oct. 2014 http://newsroom.lfg.com/wealth-protection-expertise Not a deposit Not FDIC-insured Not guaranteed by any bank or savings association May lose value (variable products) Not insured by any federal government agency Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates, including broker-dealer/distributor Lincoln Financial Distributors, Inc., Radnor, PA, and insurance company affiliates The Lincoln National Life Insurance Company, Fort Wayne, IN, and Lincoln Life & Annuity Company of New York, Syracuse, NY. Affiliates are separately responsible for their own financial and contractual obligations LCN-1314239-093015 LIF-MGR-15-0021_MGR-MYTH-eML006_Z01 ©2015 Lincoln National Corporation LincolnFinancial.com Lincoln Financial Group 150 N. Radnor-Chester Road Radnor, PA 19087 877-ASK-LINCOLN 877-275-5462 |
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## Written by [LTCI Partners](https://www.ltcipartners.com/carriernews/author/ltci-partners)

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