Long-term care is increasingly centered on aging in place, supported by caregivers, smart technology, and AI. Long-Term Care Insurance helps provide access to quality care while protecting income, assets, and family well-being.
There have been dramatic shifts in how Americans receive extended care, moving away from traditional nursing home dominance toward flexible, home-centered solutions enhanced by emerging technologies such as artificial intelligence.
Nationally recognized long-term care planning expert Matt McCann, in a Zoom meeting with planning professionals, highlighted the dramatic shifts in how Americans receive extended care, emphasizing a move away from traditional nursing home dominance toward flexible, home-centered solutions enhanced by emerging technologies such as artificial intelligence.
Long-term care today looks nothing like it did decades ago.
"What was once primarily institutional care in nursing homes has evolved into a preference for aging in place. Most long-term care is now provided at home, allowing individuals to maintain dignity, independence, and familiar surroundings while receiving quality support." — Matt McCann, CLTC.
The data supports this evolution. Employment and utilization in home and community-based care have grown significantly compared to institutional settings, driven by consumer demand, policy shifts toward home and community-based services (HCBS), and advances in supportive technologies. Families and individuals increasingly seek options that prioritize choice rather than defaulting to facility-based care.
McCann points to artificial intelligence as a game-changer in supporting this shift, particularly for dementia care and aging in place. AI-powered long-term care tools—such as voice assistants for medication reminders, smart sensors for fall detection and wandering alerts, predictive monitoring, and routine guidance—are helping older adults stay safer and more independent at home longer. These innovations reduce caregiver burden without replacing human connection, empathy, or hands-on care.
"AI isn't a cure or a substitute for professional caregivers, but it excels at consistent, non-judgmental support for repetitive tasks and early intervention," McCann explained.
"Voice-based systems are especially effective for early memory loss because they require no screens, typing, or complex interfaces—just simple spoken requests for reminders, appointments, or family contact. Combined with smart home technology, this allows more people to thrive in their own homes." — Matt McCann, CLTC.
Many Long-Term Care Insurance policies will not only pay for caregivers and facilities, including assisted living and memory care, but, in some instances, also pay for technology to help people remain at home. In-home care is where most long-term care is provided and where most people feel the most comfortable.
McCann stresses that while technology advances, the financial risks of long-term care remain substantial, and the impact on loved ones can be. Those who proactively secure Long-Term Care Insurance gain powerful advantages. Benefits are tax-free and guaranteed, providing access to a wide range of quality care options—including in-home services, assisted living, memory care facilities, and even technology-enabled solutions—without depleting savings or relying solely on family caregivers.
"Planning with LTC Insurance gives you true choice and control, and allows loved ones the time to be family instead of being caregivers," McCann noted.
"Long-Term Care Insurance covers care in any setting you prefer and can help fund innovative tools that support independence. Without it, families often face devastating out-of-pocket costs. Long-term care costs are increasing dramatically. Family members, usually daughters, must juggle their careers and families with the role of caregiver, something they were never trained or prepared to do." — Matt McCann, CLTC.
In-home caregivers are often less expensive than facility care, but McCann says these costs adversely affect cash flow and lifestyle and drain retirement accounts. The cost of long-term care varies based on where you live and the services you require.
McCann used several examples. According to an LTC News survey of long-term care costs, the national median monthly cost for in-home custodial care, based on a 44-hour workweek, is now $5,673. In Pittsburgh, for example, the average cost is $6,124 a month and is projected to reach $10,400 a month in 2046.
"That money has to come from somewhere since health insurance, including Medicare and supplements, only pays for short-term skilled care. This is why having an LTC policy as part of your retirement plan is essential to safeguard income and assets and reduce the stress and anxiety on those you love." — Matt McCann, CLTC.
McCann noted that medical advances increase longevity and that longevity itself is a risk factor for long-term care.
"You or a loved one may need help with daily living activities due to a chronic illness, accident, mobility problems, dementia, or even frailty because of aging. You don't have to be 'sick' to need extended care, and as we age, that risk becomes more significant." — Matt McCann, CLTC.
Most people purchase Long-Term Care Insurance between the ages of 47 and 67, although McCann notes your health will determine your eligibility. He suggests speaking with an experienced Long-Term Care Insurance specialist to assist you in shopping, designing, and applying for an LTC policy. Every insurance company has its own underwriting guidelines, and the cost can vary dramatically between companies.
"The future of aging is incredibly promising. Advances in medicine, technology, and personalized healthcare will help millions enjoy longer healthspans and greater independence. But longevity also means more people will eventually face challenges that require assistance with daily living or cognitive decline. Long-Term Care Insurance bridges that gap by providing access to quality caregivers, care facilities, and future innovations designed to support aging with dignity. Just as important, it helps protect retirement income, safeguard assets, and reduce the burden on loved ones, giving families more choices and greater peace of mind." — Matt McCann, CLTC.
Finding Quality Extended Care When You Need It Most
When a loved one suddenly needs extended care, the choices can feel overwhelming. Whether you're looking for care at home, an assisted living community, memory care, or a nursing facility, finding quality care quickly is often one of the biggest challenges families face.
Matt McCann recommends two free resources that can simplify the process and help reduce stress during a difficult time:
LTC News Caregiver Directory
The LTC News Caregiver Directory offers free access to search from more than 80,000 care providers nationwide. By entering a ZIP code, you can search and compare home care agencies, adult day care centers, assisted living communities, memory care facilities, and nursing homes in your area.
Free Long-Term Care Insurance Claim Assistance
If your loved one has Long-Term Care Insurance, you don't have to navigate the claims process alone. LTC News partners with Amada Senior Care to provide complimentary, no-obligation claims assistance. Experienced professionals can help coordinate benefits, manage paperwork, and guide families through the process, making it easier to access the care and services a policy provides — File a Long-Term Care Insurance Claim.
About Matt McCann, CLTC
Matt McCann is a leading national expert on long-term care planning. Holding the Certified Long-Term Care (CLTC) designation, McCann has spent decades helping families navigate the financial and emotional complexities of aging, providing education and planning strategies to protect retirement savings and family dynamics.
Licensed in all 50 states and the District of Columbia, McCann represents leading Long-Term Care Insurance providers. Through an innovative, no-pressure process, McCann allows clients to consult by phone while viewing his computer screen — ensuring a simple, convenient, and transparent experience.
You can get free and accurate quotes from all the top companies — plus professional recommendations — by visiting Free and Accurate LTC Insurance Quotes.
Media Availability
McCann is a frequent media guest and speaker on issues related to aging, caregiving, retirement planning, health, and long-term care.
Contact McCann through his website for information.