---
title: Lincoln-Addressing the Elephant in the Room
description: Lincoln
image: http://lincolnfinancial.dmplocal.com/dsc/collateral/LFG-logo-1.png
---

## Planning Tips and Carrier News for Advisors

- [The Advisor's View of Long-Term Care Planning](https://www.ltcipartners.com/blog)
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- [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)
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[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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Feb 7, 2018 • [LTCI Partners](https://www.ltcipartners.com/carriernews/author/ltci-partners)

## Lincoln-Addressing the Elephant in the Room

- [Lincoln Financial](https://www.ltcipartners.com/carriernews/topic/lincoln-financial)

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| For agent or broker use only. Not for use with the public. |
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|   Longevity is one of the biggest risk factors for Alzheimer’s‌ ‌disease Every 66 seconds, an individual age 65 or older is diagnosed with Alzheimer’s.1 Are your clients prepared to face this retirement risk? Show your clients the facts about Alzheimer’s‌ ‌disease. DOWNLOAD PDF See the costs of LTC services around the country. View Cost of Care Map An Alzheimer’s patient can live an average of 8 to 10 years after being diagnosed.1 Typically, these patients need twice as many hours of long-term care services compared to those without cognitive impairment.2 It’s important to plan for long-term care expenses when clients are healthy because once they exhibit signs of dementia they may be uninsurable. Make your clients aware of Alzheimer’s risk and the costs of care. Start planning to protect your clients’ retirement from long-term care expenses with affordable, flexible options beginning at age 40. Visit the advisor LTC planning site for a variety of tools and resources.   1 Kimberly Holland, “Life Expectancy and Long-term Outlook for Alzheimer’s Disease,” healthline, https://www.healthline.com/health/alzheimers-disease/life-expectancy#overview1, October 13, 2016. 2 Alzheimer’s Association, “2017 Alzheimer’s Disease Facts and Figures,” Alzheimer’s & Dementia, 2017:13:325373, https://www.alz.org/documents_custom/2017-facts-and-figures.pdf, January 2017. Not a deposit Not FDIC-insured Not guaranteed by any bank or savings association May go down in value Not insured by any federal government agency Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates. Affiliates are separately responsible for their own financial and contractual obligations. Lincoln MoneyGuard® products are universal life insurance policies with optional long-term care benefit riders. LCN-1744360-032417 LIF-GEN-17-0013_MGR-NURT-eML004_Z01 ©2017 Lincoln National Corporation LincolnFinancial.com       |
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## Written by [LTCI Partners](https://www.ltcipartners.com/carriernews/author/ltci-partners)

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