Help women take control of their long-term care risk

Women experience far greater risk from long-term care than men. Their longevity heightens their risk of needing care and the need to provide care to a loved one exposes them to the emotional and financial risks of caregiving. 1, 2

Advisors can play a critical role in addressing this one-two punch by beginning a conversation with your female clients. Start the long-term care discussion when planning for retirement and include the family. That timing usually works well because clients are generally in good health and it’s well before they need care.

Lincoln is steadfast in our commitment to make long-term care expense funding accessible, affordable and attractive to clients. We’ve prepared several tools exclusively to help you have the conversation with female clients.

Use these tools to help you engage female clients on long-term care

White Paper: What every woman should know about long-term care

ICC version for use in all states except AZ, CA, CT, DC, DE, FL, HI, IN, MT, ND, NJ, NY, SD, and VI.

Non-ICC version for use in AZ, CA, CT, DC, DE, HI, IN, MT, ND, NJ, SD, and VI.

Conversation Starters: Tips for discussing long-term care planning with women



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1Center for Disease Control, “Long-Term Care Providers and Services Users in the United States: Data from the National Study of Long-Term Care Providers, 2013-2014,” Vital and Health Statistics, Series 3, Number 38,, February 2016.

2LIMRA Secure Retirement Institute, “Challenges for Caregivers: How Employment Leave Impacts Women’s Retirement Savings,” Advisor Magazine,, September 27, 2016. 

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.

Products issued by The Lincoln National Life Insurance Company, Fort Wayne, IN and Lincoln Life & Annuity Company of New York, Syracuse, NY, and distributed by Lincoln Financial Distributors, Inc., a broker-dealer. The Lincoln National Life Insurance Company does not solicit business in the state of New York, nor is it authorized to do so.

All guarantees and benefits of the insurance policy are subject to the claims-paying ability of the issuing insurance company. They are not backed by the broker-dealer and/or insurance agency selling the policy, or any affiliates of those entities other than the issuing company affiliates, and none makes any representations or guarantees regarding the claims-paying ability of the issuer.

Products, riders and features are subject to state availability. Limitations, exclusions, and/or reductions may apply.  Check state availability. Long-term care benefit riders may not cover all costs associated with long-term care costs incurred by the insured during the coverage period.

Accelerated death benefits may be taxable and may affect public assistance eligibility.

For agent or broker use only. Not for use with the public.