The financial toll on middle-class and upper-income people needing long-term care was examined by reviewing data that the H.R.S. collected between 2000 and 2021 on wealthy Americans, those whose net worth at age 65 was in the 50th to 95th percentile, totaling anywhere from $171,365 to $1,827,765 in inflation-adjusted 2020 dollars.
The analysis defined people ages 65 and above as likely to need long-term care if they were assessed to have dementia, or if they reported having difficulty with two or more out of six activities of daily living.
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