Making Sense of Your Long-Term Insurance Options

<!DOCTYPE HTML> <html lang="en"> <head> <title>Making Sense of Your Long-Term Insurance Options</title>   <link rel="preconnect" href='https://sv.aarp.org' crossorigin/> <link rel="dns-prefetch" href='https://sv.aarp.org'/> <link rel="preconnect" href='https://assets.adobedtm.com' crossorigin/> <link rel="dns-prefetch" href='https://assets.adobedtm.com'/> <noscript> <section> <div class="aarpe-notification-banner"> <div class="script-warning"> <span class="icon-alert-report"></span> <span class="icon-close"></span> <div class="warning-text-wrapper"> <span class="aarp-u-typography__trafalgar">Javascript is not enabled.</span> <p>Javascript must be enabled to use this site. 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That means you might need help at home with such basic daily activities as bathing, dressing and eating; community services like adult day care and transportation; or ongoing care in a nursing home, assisted living residence or other facility. One option to pay for such services is long-term care (LTC) insurance. But before you sign up for a policy, you have a lot to learn. The market has changed greatly in recent years. Most notably, many of these policies have gotten more expensive for both new and existing policyholders, and the options have changed. More people are choosing policies that combine long-term care with other benefits. Here’s what you need to know. Why plan for long-term care? About 49 percent of men and 64 percent of women reaching age 65 today will need significant long-term care during their remaining years, according to a 2022 study from the federal Department of Health and Human Services (HHS). Although many people will get by with unpaid care from family members and others, nearly half will need some paid assistance. About 14 percent will need more than two years of paid care. The average cost will be $120,900, HHS says. But individual costs will vary greatly, depending on how long you require care, where you live and how intense your needs are. The ways to pay for services vary too. Traditional Medicare, the public health insurance program for people 65 and older and disabled individuals who are younger, doesn’t cover long-term care beyond some skilled care right after hospitalization for an injury or illness. Some Medicare Advantage plans from private insurers offer limited supplemental coverage for services like meal delivery and rides to medical appointments. Veterans may access long-term care through the U.S. Department of Veterans Affairs. Some may qualify for help through Medicaid, the joint federal and state program that covers low-income Americans. Although income limits vary by state, you typically can’t get Medicaid unless you have exhausted most of your savings and other assets beyond your primary home and vehicle. Who pays for long-term care? Confusion about who pays is common: Nearly half of adults age 65 and older incorrectly think Medicare would pay if they needed a long stay in a nursing home, according to a survey from the nonprofit KFF, formerly known as the Kaiser Family Foundation. In the same survey, 90 percent of adults said paying for one year of nursing home care would be impossible or very difficult for them or their families. The gap between potential needs and ready money is where long-term care insurance comes in. But it’s not the only solution. “Everyone needs a long-term care plan,” says Ryan Graham, a managing adviser at Altfest Personal Wealth Management in New York City. “That doesn’t mean everyone needs long-term care insurance.” What is traditional long-term care insurance? Data the National Association of Insurance Commissioners (NAIC) collected from insurers shows that in 2022 traditional long-term care policies covered about 6.1 million Americans. The number includes people who bought the policies decades ago. These traditional LTC policies work much like policies for auto or home insurance: You pay premiums, usually for as long as the policy is in effect, and make claims if you ever need the covered services. Because the premiums are ongoing, they can, with the permission of state regulators, rise over time. But if you stop paying the premiums before the need arises, you usually lose the coverage. And if you never use the coverage, the insurance company keeps and invests your money to pay for other people’s claims and earn profits. “It’s use it or lose it,” Graham says. What is a hybrid policy? The majority of long-term care policies sold since 2010 combine coverage for long-term care with another benefit, usually life insurance or, less often, an annuity, according to the Congressional Research Service. These are known as hybrid or linked-benefit policies. Combination policies covered nearly 900,000 Americans in 2022, according to NAIC. While in some cases, you’ll pay an ongoing monthly premium for such policies, many work like this: You pay one lump sum or a fixed amount broken into several annual payments, eliminating the risk of rising premiums. In return, you get long-term care coverage, along with some amount of life insurance that will go to your heirs if you never use the long-term care benefits. The life insurance payout is reduced or eliminated if you do use long-term care benefits. The policy may also allow you to take back your full payment within the first few years if you decide you no longer want the coverage. The hybrid policies “address a nagging concern for a lot of people, ... which is that I could pay into this thing for years and never need it,” says Christine Benz, director of personal finance at the Chicago-based financial services firm Morningstar. One way or another, you get a benefit. But that guarantee costs you. Hybrid policies are more expensive than traditional. And the life insurance payouts tend to be modest unless you attach long-term care to a larger, more expensive permanent life insurance policy, Altfest’s Graham says. How does long-term care insurance work? LTC policies may limit what conditions they cover. For example, denying care for alcoholism, drug addiction or war injuries is not unusual. A preexisting condition, such as heart disease or a past cancer diagnosis, may not stop you from getting a policy. But the policy may not cover care related to that condition for some period after it goes into effect. Generally, you are eligible for benefits once you can no longer perform a set number of the so-called activities of daily living — such as bathing, dressing, eating, using the toilet, getting in and out of bed and chairs, and managing incontinence — or become cognitively impaired. One more hurdle to clear: a waiting period that starts when you first need or use care. Benefits most commonly start after 90 days, but you might pay higher or lower premiums to adjust the waiting, or elimination, period. Once coverage kicks in, it’s typically capped at a certain amount daily or monthly, up to a lifetime maximum or a certain number of years. Different amounts may be allowed for care in your home, a nursing home or elsewhere. You pay more for higher benefit levels or for benefits that rise over time to protect you from inflation. For example, a policy that pays $200 a day for five years and grows benefits at a compounded 3 percent a year will cost more than one that pays $100 a day for two years with no inflation protection. Once you are getting benefits, premiums typically are waived. The bumpy history of long-term care insurance The earliest LTC insurance policies, sold in the 1980s, covered only nursing home care. But through the 1990s and early 2000s, insurers started covering home care services, assisted living, adult day care and other options. Some promised lifetime benefits. Insurers underestimated how much they would pay in claims and overestimated how much they would earn in investments. The result: They got into financial trouble and, with the permission of state regulators, substantially raised premiums on existing customers. Many companies stopped selling traditional long-term care insurance. Just a few companies sell the policies today with more limited coverage periods at higher prices. Historically, 70 percent to 80 percent of people with traditional policies have seen premium increases, says Jesse Slome, executive director of the American Association for Long-Term Care Insurance (AALTCI). Companies selling newer policies have retooled them to avoid repeating that history. What to know if you have a policy People who already own traditional policies should know that if they face a premium increase, they have options. One possibility is to pay the increase and keep the benefits you signed up for — an often-attractive choice for people who can afford the price hike and have generous older policies, says Jodi Cirignano, a managing director and wealth adviser at Peapack Private Wealth Management, based in Bedminster, New Jersey. Another option is to accept reduced benefits at your old premium rate. Dropping a policy and seeking out new coverage when you are older and less healthy will almost certainly cost you more, experts say. As long as you keep paying, insurers can’t legally drop you. Graham says clients with decades-old policies continue to see premium increases. “Most of our clients decide to keep their insurance,” he says. But some accept fewer benefits or less inflation protection to keep costs in check. To buy or not to buy: making choices Unlike health, home or auto insurance, “this is a policy you buy only once,” AALTCI’s Slome says. So before you make a choice, including whether to buy a policy at all, consider: Your budget. If you already have trouble paying for food, medicine, utilities or other important needs, adding an LTC insurance premium isn’t a good choice, according to a guide from the National Association of Insurance Commissioners. A good rule of thumb: Premiums shouldn’t take more than 7 percent of your income. Your assets. If you are looking at long-term care insurance as a way to protect your assets for heirs or yourself, it’s most likely to pay off if you have at least $75,000, not counting your primary home, the insurance commissioners say. If you have less than $30,000, you may pay more than that in premiums, the group says. Your overall financial condition. Some people will look at their assets and spending and decide they can cover long-term care without insurance. Some may plan to sell a second home, downsize from a family residence or get a reverse mortgage to cover such expenses, according to advisers. Others may set up a longevity fund to cover not only long-term care but also all the costs that come from living longer than average. One advantage of self-funding: total flexibility in how you spend your care dollars. Your ultimate financial goals. How important is it to you to leave money behind? “Some people feel very strongly about leaving something for their families” and are highly motivated to buy insurance to protect their assets from a catastrophic yearslong need for care, Peapack’s Cirignano says. “Others are happy to bounce their very last check.” The full range of insurance options. Talk with agents authorized to sell policies from multiple companies and with financial advisers who can put your options into the context of your overall financial plan. “It’s really valuable to have some sort of third party who doesn’t have a vested interest in any one insurance company helping you navigate the process,” Morningstar’s Benz says. Because states regulate insurance, your options can vary greatly depending on where you live. “Many of our clients in New York face limited choices and high pricing while someone in Arizona may have more options,” Graham says. Your age and health. The older you are when you buy long-term care insurance, the more it will cost. Health problems also will make it more expensive or, in some cases, impossible to get coverage. Turndown rates rise steeply with age. If you already have memory loss or trouble with daily self-care, you are unlikely to qualify. Some insurers require a physical exam or medical-record review. Others conduct only health interviews via telephone. In general, traditional policies have more stringent health requirements than hybrid ones. While experts used to suggest shopping for long-term care insurance by your early 60s, many now suggest starting in your 50s or even your late 40s. Ways to pay for your policy. You may be able to cover premiums, tax-free, with money from a health care savings account, available only to consumers in certain health plans, Benz says. Or you can explore the tax advantages of exchanging an existing life insurance policy or annuity for a long-term care policy. That’s a complicated process but a good deal for many people whose insurance goals have changed, she says. Other options. Group policies offered through employers may be more affordable than individual policies, particularly if you have health problems. Buying individual policies as a couple, rather than as a single person, often reduces premiums. Couples also may qualify for “shared care”: If one of them exhausts their pool of benefits, they will be able to draw from their partner’s pool. And in most states, you can shop for a limited number of policies that participate in partnerships with the state’s Medicaid program. These partnership policies will allow you and your survivors to keep more of your assets if you ever need Medicaid. The protected amount is based on what your policy has already paid for your care.", "image" : [ "https://www.aarp.org/content/dam/aarp/caregiving/2024/02/1140-long-term-care-questions.png" ], "author" : [ { "@type" : "Person", "name" : "Kim Painter" } ], "publisher" : { "@type" : "Organization", "name" : "AARP", "url" : "https://www.aarp.org/", "description" : "AARP is a nonprofit, nonpartisan organization that empowers people to choose how they live as they age.", "logo" : { "@type" : "ImageObject", "url" : "https://cdn.aarp.net/content/dam/aarp/graphics/aarp_logos/120x30-aarp-header-logo-red.svg" }, "sameAs" : [ "https://www.facebook.com/AARP", "https://twitter.com/AARP/", "https://www.instagram.com/aarp/?hl=en", "https://www.linkedin.com/company/aarp/" ] }, "datePublished" : "2021-10-13T04:00:00+0000", "dateModified" : "2024-02-06T20:46:00+0000" } </script> <script src='//assets.adobedtm.com/launch-ENfc31ab1bac944ca8866743454782e0b0.min.js' async></script> </head> <body class="articlePage page basicpage" id="articlePage-a28bf6ab25"> <a href='#aarp-u-end-of-header' class="aarp-u-invisible">Skip to content</a> <div class="aarp-c-body-wrapper aarp-o-edit-mode-false aarp-o-body "> <div id="aarp-c-body"> <div class="root container responsivegrid uxdia-u-base-article-v2"> <div id="container-67e5a8f708" class="cmp-container" data-wcmmode="publish"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="container responsivegrid uxdia-u-bg-ads--utility-medium-grey uxdia-o-grid-container uxdia-o-grid-container@mobile @tablet uxdia-o-grid-container@laptop uxdia-o-grid-container@large-laptop uxdia-o-grid-container@larger-laptop aem-GridColumn aem-GridColumn--default--12"> <div id="container-aa12c17aa4" class="cmp-container" data-wcmmode="publish"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="advertisement parbase aem-GridColumn aem-GridColumn--default--12"> <div aria-hidden="true" class="aarpe-ad-wrapper"> <div class="aarpe-ad en clearfix" id="leader_98774" data-adsize="leader"> <script type="text/javascript"> if(typeof AARP.ads !== 'undefined'){ AARP.ads.slots({ id:'leader_98774', size:'leader'}); } </script> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid uxdia-o-header aarp-c-alert-bar-homepage__wrapper aem-GridColumn aem-GridColumn--default--12"> <div id="container-853efd0baa" class="cmp-container"> <div class="uxdiaCacheableXF experiencefragment aarp-c-alert-bar--uxdia-theme aarp-c-alert-bar--uxdia-theme@tablet aarp-c-alert-bar--uxdia-theme@mobile"><div data-cmp-paywall-titleCheck="false" data-cmp-paywall-pageTitle="Understanding Long-Term Care Insurance" data-cmp-membersonlyaccess="false" id="uxdiaCacheableXF-0665eb056c" class="cmp-experiencefragment cmp-experiencefragment--alert-bar-single-state"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="uxdiaResponsiveGrid responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="alertBar aem-GridColumn aem-GridColumn--default--12"> <div class="alert-bar--open"> <div class="aarp-c-alert-bar aarp-c-alert-bar@desktop aarp-c-alert-bar@tablet aarp-c-alert-bar@mobile "> <div class="aarp-c-alert-bar__container aarp-c-alert-bar__container@desktop aarp-c-alert-bar__container@tablet aarp-c-alert-bar__container@mobile"> <div class="aarp-c-alert-bar__column aarp-c-alert-bar__column-left"> <div id="text-d1c3f2e63d" class="cmp-text"> <p><a title="aarp rewards" href='https://secure.aarp.org/applications/user/auth?promo=RWDF1K&INTCMP=ILC-DSM-ALT-RWDF1K-May24&referrer=https://www.aarp.org/rewards/redeem/sweeps/marchsweeps' target="_blank" data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/alert-bar/alert-bar-single-state/master.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. 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href='https://secure.aarp.org/account/editnewsletter' data-formelementid="GLOBAL-HDR-LNK-CLK-NEWSLETTER" target="_self">Newsletters </a> </li> <li class="aarp-c-linked-dropdown__link-list-normal-item"> <a class="aarp-c-linked-dropdown__link-list-link " href='https://secure.aarp.org/applications/user/auth?intcmp=MOJO-EXP-UXDIA-HEADER&referrer=https://appsec.aarp.org/mem/cardboarding?flow=o-a-2-t-i-w-y-r-m-e-td-9-s-n-w2-h-u-xs-p-db-1-d%20' data-formelementid="GLOBAL-HDR-LNK-CLK-CUSTOMIZE_MEMBERSHIP" target="_self">Customize Your Membership </a> </li> <li class="aarp-c-linked-dropdown__link-list-normal-item"> <a class="aarp-c-linked-dropdown__link-list-link " href='https://community.aarp.org' data-formelementid="GLOBAL-HDR-LNK-CLK-COMMUNITY" target="_self">Community </a> </li> <li class="aarp-c-linked-dropdown__link-list-normal-item"> <a class="aarp-c-linked-dropdown__link-list-link " href='https://stayingsharp.aarp.org/' data-formelementid="GLOBAL-HDR-LNK-CLK-STAYINGSHARP" target="_self">Staying Sharp </a> </li> <li class="aarp-c-linked-dropdown__link-list-normal-item"> <a class="aarp-c-linked-dropdown__link-list-link aarpe-clear-storage" href='https://secure.aarp.org/applications/user/logout/logout' data-formelementid="GLOBAL-HDR-LNK-CLK-LOGOUT" target="_self">Logout </a> </li> </ul>  </div>  </div>  </div> </section>  <div class="aarp-c-header-modal--search"> <section class="aarp-c-search aarp-c-search--homepage aarp-c-search--homepage@desktop aarp-c-search-form-container__trigger--closed">  <div class="aarp-c-search__button aarp-c-search__button--open" aria-expanded="false" aria-label="Open Search" tabindex="0" data-post-activate-focus=".aarp-c-search__search-input" aria-live="polite" role="button" aria-controls="search-header-button" data-formelementid="SEARCH-BTN-CLK-SEARCH-MODAL-OPEN">  <div class="aarp-c-search-icon-wrapper"> <div class="aarp-c-search-icon"> <div class="aarp-c-search-icon__circle"></div> <div class="aarp-c-search-icon__rectangle"></div> </div> </div> </div>  </section> <script> var url= 'https://platform.cloud.coveo.com/rest/search/v2/querySuggest'; var count='10'; var access_token='xx68156512-8de1-411c-b7d4-e57dc85bea29'; var organizationId='aarpu11lxv0p'; AARP.Everywhere.searchQueryUri = url +'?pipeline=default&count='+count+'&access_token='+access_token+'&organizationId='+organizationId; AARP.Everywhere.endecaSearchUrl = "https://www.aarp.org/search/"; AARP.Everywhere.endecaSearchUrlInternalTracking = " ?Intcmp=GLOBAL-HDR-LNK-CLK-SEARCH-UXDIA"; </script>  </div> </nav> </div> <span class="aarp-u-loyalty-plus-switch aarp-u-invisible" data-is-loyalty-plus="false"></span> <span id="aarp-u-end-of-header" class="aarp-u-invisible">Content starts here</span> </div> </div> <div class="searchModal aem-GridColumn aem-GridColumn--default--12">  <div id="searchModal" class="search-modal">  <div class="search-modal__content"> <div class="search-modal__header"> <span class="close" 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Topics","dropDownValue":"everywhere"},{"dropDownLabel":"Entertainment","dropDownValue":"entertainment"},{"dropDownLabel":"Health","dropDownValue":"health"},{"dropDownLabel":"Money","dropDownValue":"money"},{"dropDownLabel":"Policy & Research","dropDownValue":"research"},{"dropDownLabel":"Travel","dropDownValue":"travel"},{"dropDownLabel":"Work","dropDownValue":"work"},{"dropDownLabel":"Member Benefits","dropDownValue":"member benefits"},{"dropDownLabel":"Caregiving","dropDownValue":"caregiving"},{"dropDownLabel":"Rewards","dropDownValue":"rewards"},{"dropDownLabel":"Videos","dropDownValue":"videos"} </textarea> </div></div> </div> <div class="search-inputbox__container"> <input class="search-modal__inputbox" type="text" placeholder="What can we help you find?" aria-label="What can we help you find?"/> </div> <div class="search-button__container"> <button class="search__button" data-formelementid="SEARCH-BTN-CLK-MODAL" onClick="s_objectID='SEARCH-BTN-CLK-MODAL';"><span 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onclick="s_objectID='SEARCH-POPULAR-SEARCHES-MODAL-POS3';" href='https://games.aarp.org/games/daily-crossword'>AARP daily Crossword Puzzle </a> </p> <p class="search-popular__links"><span class="popular-search__icon"></span> <a data-formelementid="SEARCH-POPULAR-SEARCHES-MODAL-POS4" onclick="s_objectID='SEARCH-POPULAR-SEARCHES-MODAL-POS4';" href='https://www.aarp.org/membership/benefits/hotels/?intcmp=DSO-HDR-BENEFITS-EWHERE'>Hotels with AARP discounts </a> </p> <p class="search-popular__links"><span class="popular-search__icon"></span> <a data-formelementid="SEARCH-POPULAR-SEARCHES-MODAL-POS5" onclick="s_objectID='SEARCH-POPULAR-SEARCHES-MODAL-POS5';" href='https://www.aarp.org/membership/benefits/insurance/life/?intcmp=DSO-HDR-BENEFITS-EWHERE'>Life Insurance </a> </p> <p class="search-popular__links"><span class="popular-search__icon"></span> <a data-formelementid="SEARCH-POPULAR-SEARCHES-MODAL-POS6" onclick="s_objectID='SEARCH-POPULAR-SEARCHES-MODAL-POS6';" data-url="/content/aarpe/en/home/membership/benefits/insurance/delta-dental/_jcr_content/.dataview.json" data-modal-url="/benefits-discounts/all/delta-dental.modalview" data-target="offers-modal" data-formelementid="MEM-BEN-CLK-WIDGET-delta-dental" data-offerid="delta-dental" data-brand="Delta Dental | AARP® Dental Insurance Plan administered by Delta Dental Insurance Company" data-categoryid="Health & Wellness,Insurance" data-subcategoryid="Healthcare" data-lineofbusiness="ASI healthcare" data-asicategory="ASI Healthcare & Insurance" data-offertype="discount" data-offertiming="anytime" href="/membership/benefits/insurance/delta-dental/">AARP Dental Insurance Plans </a> </p> <p class="search-popular__links"><span class="popular-search__icon"></span> <a data-formelementid="SEARCH-POPULAR-SEARCHES-MODAL-POS7" onclick="s_objectID='SEARCH-POPULAR-SEARCHES-MODAL-POS7';" href='https://www.aarp.org/travel/'>Travel </a> </p> </div> </div> <div class="search-modal-body-suggested__section"> <div class="search-popular__heading" role="heading" aria-level="3">Suggested Links</div> <div class="search-suggestedlink-button__wrapper"> <a data-formelementid="SEARCH-SUGGESTED-LINKS-MODAL-POS1" onclick="s_objectID='SEARCH-SUGGESTED-LINKS-MODAL-POS1';" href='https://help.aarp.org/s/' class="search-suggestedlink__button" role="button"> <span class="search-suggestedlink-button__text">Help</span> <span class="search-arrow"></span> </a> <a data-formelementid="SEARCH-SUGGESTED-LINKS-MODAL-POS2" onclick="s_objectID='SEARCH-SUGGESTED-LINKS-MODAL-POS2';" href='https://help.aarp.org/s/article/show-me-my-account-info' class="search-suggestedlink__button" role="button"> <span class="search-suggestedlink-button__text">Show me my account info</span> <span class="search-arrow"></span> </a> <a data-formelementid="SEARCH-SUGGESTED-LINKS-MODAL-POS3" onclick="s_objectID='SEARCH-SUGGESTED-LINKS-MODAL-POS3';" href='https://help.aarp.org/s/article/i-want-to-change-my-address' class="search-suggestedlink__button" role="button"> <span class="search-suggestedlink-button__text">Change my Address</span> <span class="search-arrow"></span> </a> <a data-formelementid="SEARCH-SUGGESTED-LINKS-MODAL-POS4" onclick="s_objectID='SEARCH-SUGGESTED-LINKS-MODAL-POS4';" href='https://help.aarp.org/s/article/contact-aarp' class="search-suggestedlink__button" role="button"> <span class="search-suggestedlink-button__text">How do I contact AARP?</span> <span class="search-arrow"></span> </a> <a data-formelementid="SEARCH-SUGGESTED-LINKS-MODAL-POS5" onclick="s_objectID='SEARCH-SUGGESTED-LINKS-MODAL-POS5';" href='https://help.aarp.org/s/article/where-is-my-membership-card' class="search-suggestedlink__button" role="button"> <span class="search-suggestedlink-button__text">Where is my membership card?</span> <span class="search-arrow"></span> </a> <a data-formelementid="SEARCH-SUGGESTED-LINKS-MODAL-POS6" onclick="s_objectID='SEARCH-SUGGESTED-LINKS-MODAL-POS6';" href='https://help.aarp.org/s/article/how-do-i-access-my-aarp-digital-card-via-aarp-now-app' class="search-suggestedlink__button" role="button"> <span class="search-suggestedlink-button__text">How do I get a digital card?</span> <span class="search-arrow"></span> </a> </div> </div> </div> <div class="search-modal__footer"> <div class="search-c-fullwidth-membership-promo__container search-c-fullwidth-membership-promo__container@tablet search-c-fullwidth-membership-promo__container@mobile"> <div class="search-c-fullwidth-membership-promo__inner-container search-c-fullwidth-membership-promo__inner-container@tablet search-c-fullwidth-membership-promo__inner-container@mobile"> <section><div class="experiencefragment section"> <div class="xf-content-height"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="uxdiaResponsiveGrid responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="target parbase 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aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div id="container-c21a5cd586" class="cmp-container"> <div class="text uxdia-u-subtitle-1 uxdia-u-subtitle-1@mobile"> <div id="text-cd3b8c671e" class="cmp-text"> <p>AARP MEMBERSHIP</p> </div> </div> <div class="text aarp-category-text uxdia-hotdeals--heading uxdia-u-body-regular uxdia-u-color--secondary-color-pebble"> <div id="text-48528b78c4" class="cmp-text"> <p>AARP Membership — $12 for your first year when you sign up for Automatic Renewal</p> <p>Get instant access to members-only products, hundreds of discounts, a free second membership, and a subscription to AARP the Magazine. </p> <p> </p> </div> </div> </div> </div> <div class="container responsivegrid uxdia-c-fullwidth-membership-promo__button-container uxdia-c-fullwidth-membership-promo__button-container@tablet uxdia-c-fullwidth-membership-promo__button-container@mobile aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 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id="button-86439b730d-1731425502873" class="cmp-button" aria-label="Renew Now" href='https://join.aarp.org/orgisrenew'> <span class="cmp-button__text">Renew Now</span> </a> </div> </div> </div> </div> </div> </div> </div> </div></div> </div> </div> </div> </div> </div> </div></div> </div> </div> </div> </section> </div> </div> </div> </div> </div></div> <div class="uxdiaCacheableXF experiencefragment aem-GridColumn aem-GridColumn--default--12"><div data-cmp-paywall-pageTitle="Target" id="uxdiaCacheableXF-d8753b8af7" class="cmp-experiencefragment cmp-experiencefragment--mega-menu"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="uxdiaResponsiveGrid responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="responsivegrid uxdia-c-megamenu uxdia-c-megamenu@tablet uxdia-c-megamenu@desktop aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="responsivegrid uxdia-c-megamenu uxdia-c-megamenu@tablet uxdia-c-megamenu@desktop uxdia-c-megamenu-offscreen--wrapper uxdia-c-megamenu-offscreen--wrapper@tablet uxdia-c-megamenu-offscreen--wrapper@desktop aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="responsivegrid uxdia-c-megamenu-offscreen uxdia-c-megamenu-offscreen@tablet uxdia-c-megamenu-offscreen@desktop aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="svgTag aem-GridColumn aem-GridColumn--default--12"> <a target="_self" href='/' data-formelementid="GLOBAL-HDR-LNK_CLK-RED_ICON" aria-label="AARP Logo Header White 139x36"> <?xml version="1.0" encoding="UTF-8"?> <svg width="120px" height="30px" viewBox="0 0 120 30" version="1.1" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink"> <title>120x30-AARP-logo-red</title> <defs> <polygon id="path-1" points="0 0.879 114.9137 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data-src="https://cdn.aarp.net/content/dam/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid/responsivegrid/responsivegrid/uxdia_help.coreimg.75.276.png/content/dam/aarp/uxdia/icons/help.png" alt="the help icon" title="Help icon" width="128" height="128"/> </picture> </a> <meta itemprop="caption" content="Help icon"/> </div> </div> <div class="headerSearchToOpenModal aem-GridColumn aem-GridColumn--default--12"> <section class="aarp-c-search aarp-c-search--homepage aarp-c-search--homepage@desktop aarp-c-search-form-container__trigger--closed">  <div class="aarp-c-search__button aarp-c-search__button--open" aria-expanded="false" aria-label="Open Search" tabindex="0" data-post-activate-focus=".aarp-c-search__search-input" aria-live="polite" role="button" aria-controls="search-header-button" data-formelementid="SEARCH-BTN-CLK-SEARCH-MODAL-OPEN">  <div class="aarp-c-search-icon-wrapper"> <div class="aarp-c-search-icon"> <div class="aarp-c-search-icon__circle"></div> <div class="aarp-c-search-icon__rectangle"></div> </div> </div> </div>  </section> <script> var url= 'https://platform.cloud.coveo.com/rest/search/v2/querySuggest'; var count='10'; var access_token='xx68156512-8de1-411c-b7d4-e57dc85bea29'; var organizationId='aarpu11lxv0p'; AARP.Everywhere.searchQueryUri = url +'?pipeline=default&count='+count+'&access_token='+access_token+'&organizationId='+organizationId; AARP.Everywhere.endecaSearchUrl = "https://www.aarp.org/search/"; AARP.Everywhere.endecaSearchUrlInternalTracking = ""; </script>  </div> <div class="svgTag uxdia-c-megamenu--close uxdia-c-megamenu--close@desktop uxdia-c-megamenu--close@tablet aem-GridColumn aem-GridColumn--default--12"> <svg width="60" height="60" viewBox="0 0 60 60" fill="none" xmlns="http://www.w3.org/2000/svg"> <rect width="60" 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class="responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="we-tabs aem-GridColumn aem-GridColumn--default--12"> <div id="megamenu-c86cc6330f" class="cmp-tabs" data-cmp-is="tabs" data-placeholder-text="false"> <div class="uxdia-c-megamenu--tabs"> <ol role="tablist" class="cmp-tabs__tablist" aria-multiselectable="false"> <li role="tab" id="megamenu-c86cc6330f-item-988e95e2af-tab" class="cmp-tabs__tab uxdia-homepage-right_container cmp-tabs__tab--active" aria-controls="megamenu-c86cc6330f-item-988e95e2af-tabpanel" tabindex="0" data-cmp-hook-tabs="tab">  <span class="cmp-tabs__span">right_container</span> </li> <li role="tab" id="megamenu-c86cc6330f-item-165814d603-tab" data-cmp-url="/content/aarpe/en/home/health" class="cmp-tabs__tab uxdia-homepage-health " aria-controls="megamenu-c86cc6330f-item-165814d603-tabpanel" data-megamenu-cmp-url='/health/' tabindex="0" data-cmp-hook-tabs="tab">  <span class="cmp-tabs__span" data-megamenu-cmp-url='/health/'>Health</span> </li> <li role="tab" id="megamenu-c86cc6330f-item-b4a99a59e4-tab" data-cmp-url="/content/aarpe/en/home/money" class="cmp-tabs__tab uxdia-homepage-money " aria-controls="megamenu-c86cc6330f-item-b4a99a59e4-tabpanel" data-megamenu-cmp-url='/money/' tabindex="0" data-cmp-hook-tabs="tab">  <span class="cmp-tabs__span" data-megamenu-cmp-url='/money/'>Money</span> </li> <li role="tab" id="megamenu-c86cc6330f-item-361c4ae95a-tab" data-cmp-url="/content/aarpe/en/home/work" class="cmp-tabs__tab uxdia-homepage-work-&-jobs " aria-controls="megamenu-c86cc6330f-item-361c4ae95a-tabpanel" data-megamenu-cmp-url='/work/' tabindex="0" data-cmp-hook-tabs="tab">  <span class="cmp-tabs__span" data-megamenu-cmp-url='/work/'>Work & Jobs</span> </li> <li role="tab" id="megamenu-c86cc6330f-item-fb851cf053-tab" data-cmp-url="/content/aarpe/en/home/retirement/social-security" class="cmp-tabs__tab uxdia-homepage-social-security " aria-controls="megamenu-c86cc6330f-item-fb851cf053-tabpanel" data-megamenu-cmp-url='/retirement/social-security/' tabindex="0" data-cmp-hook-tabs="tab">  <span class="cmp-tabs__span" data-megamenu-cmp-url='/retirement/social-security/'>Social Security</span> </li> <li role="tab" id="megamenu-c86cc6330f-item-b3ff7c4fc1-tab" data-cmp-url="/content/aarpe/en/home/health/medicare-insurance" class="cmp-tabs__tab uxdia-homepage-medicare " aria-controls="megamenu-c86cc6330f-item-b3ff7c4fc1-tabpanel" data-megamenu-cmp-url='/health/medicare-insurance/' tabindex="0" data-cmp-hook-tabs="tab">  <span class="cmp-tabs__span" data-megamenu-cmp-url='/health/medicare-insurance/'>Medicare</span> </li> <li role="tab" id="megamenu-c86cc6330f-item-539b4cc3dc-tab" data-cmp-url="/content/aarpe/en/home/caregiving" class="cmp-tabs__tab uxdia-homepage-caregiving " aria-controls="megamenu-c86cc6330f-item-539b4cc3dc-tabpanel" data-megamenu-cmp-url='/caregiving/' tabindex="0" data-cmp-hook-tabs="tab">  <span class="cmp-tabs__span" data-megamenu-cmp-url='/caregiving/'>Caregiving</span> </li> <li role="tab" id="megamenu-c86cc6330f-item-af7a76ab3f-tab" data-cmp-url="/content/aarpe/en/home/games" class="cmp-tabs__tab uxdia-homepage-games " aria-controls="megamenu-c86cc6330f-item-af7a76ab3f-tabpanel" data-megamenu-cmp-url='/games/' tabindex="0" data-cmp-hook-tabs="tab">  <span class="cmp-tabs__span" data-megamenu-cmp-url='/games/'>Games</span> </li> <li role="tab" id="megamenu-c86cc6330f-item-8d2b7b3de7-tab" data-cmp-url="/content/aarpe/en/home/travel" class="cmp-tabs__tab uxdia-homepage-travel " aria-controls="megamenu-c86cc6330f-item-8d2b7b3de7-tabpanel" data-megamenu-cmp-url='/travel/' tabindex="0" data-cmp-hook-tabs="tab">  <span class="cmp-tabs__span" data-megamenu-cmp-url='/travel/'>Travel</span> </li> <li role="tab" id="megamenu-c86cc6330f-item-dd27f71d94-tab" class="cmp-tabs__tab uxdia-homepage-more... cmp-tabs__tabpanel--more " aria-controls="megamenu-c86cc6330f-item-dd27f71d94-tabpanel" tabindex="0" data-cmp-hook-tabs="tab">  <span class="cmp-tabs__span">More...</span> </li> </ol> </div> <div id="megamenu-c86cc6330f-item-988e95e2af-tabpanel" aria-hidden="false" role="tabpanel" aria-labelledby="megamenu-c86cc6330f-item-988e95e2af-tab" tabindex="0" class="cmp-tabs__tabpanel right_container cmp-tabs__tabpanel--shown cmp-tabs__tabpanel--active" data-cmp-hook-tabs="tabpanel"><div class="responsivegrid"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div id="container-e9926ae2a7" class="cmp-container"> <div class="text uxdia-u-subtitle-3 uxdia-u-color--primary-color-ink-black"> <div id="text-ec4430f7eb" class="cmp-text"> <p><a title="Link to spanish homepage" href='https://www.aarp.org/espanol/' data-cmp-clickable data-cmp-data-layer="{"text-ec4430f7eb-link-964a25791b":{ "xdm:linkURL" : "https://www.aarp.org/espanol/", "@type" : "uxdia/components/content/text/link", "dc:title" : "AARP en Español" }}">AARP en Español</a></p> </div> </div> <div class="uxdia-help articleimage image uxdia-help-en"> <div data-asset-id="c1ac62c6-a4fb-4bf1-b959-550b05fa7534" id="image-3fa9f33322" class="cmp-image uxdia-c-image" itemscope itemtype="http://schema.org/ImageObject"> <a class="cmp-image__link" href='https://help.aarp.org/s/?intcmp=AE-HP-HDR-HELP'> <img class="uxdia-c-spinner" src='https://cdn.aarp.net/etc/uxdia/images/uxdia-spinner.svg' alt="spinner image"/> <picture class="articlelazy cmp-image__picture cmp-image__picture@tablet" data-loading="lazy"> <img class="cmp-image__image cmp-image__image@tablet" 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data-srcset="https://cdn.aarp.net/content/dam/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1663661439464/item_1659969291143_c/item_1659967770303_c_182155119/container_1827098909/moms_boyfriend_in_as_825176922.coreimg.50.276.png/content/dam/aarp/health/conditions_treatments/2024/09/1140-vaccine-pkg-promo.png" 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uxdia-u-title-card@mobile"> <a class="uxdia-c-featured-tile__title_link uxdia-c-featured-tile__title_link@tablet uxdia-c-featured-tile__title_link@mobile" target="_self" href='/money/scams-fraud/tracking-map/'> View and Report Scams in Your Area</a> </p>   <div class="uxdia-c-featured-tile__button-section uxdia-c-featured-tile__button-section@tablet uxdia-c-featured-tile__button-section@mobile"> </div> </div> </div> </div>  </div> </div> <div class="featuredTile articleimage image aem-GridColumn aem-GridColumn--default--12"><div class="uxdia-c-featured-tile-wrapper uxdia-c-featured-tile-wrapper@mobile " data-position="3" data-posID="3"> <div class="uxdia-c-featured-tile-container-link" data-cmp-clickable tabindex="0" href='/money/taxes/aarp_taxaide/' data-formelementid="TILE_CLK-MONEY-TAX_AIDE" aria-label="Free Tax Preparation Assistance" target="_self"> <div class="uxdia-c-featured-tile__container uxdia-c-featured-tile__container@tablet uxdia-c-featured-tile__container@mobile"> <a 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</div> </div> </a> <div class="uxdia-c-featured-tile__content-wrapper uxdia-c-featured-tile__article-content-wrapper uxdia-c-featured-tile__content-wrapper@tablet uxdia-c-featured-tile__content-wrapper@mobile"> <p class="uxdia-c-featured-tile__category uxdia-c-featured-tile__category@tablet uxdia-c-featured-tile__category@mobile">AARP Foundation Tax-Aide</p> <p class="uxdia-c-featured-tile__title uxdia-c-featured-tile__title@tablet uxdia-c-featured-tile__title@mobile uxdia-u-title-card uxdia-u-title-card@mobile"> <a class="uxdia-c-featured-tile__title_link uxdia-c-featured-tile__title_link@tablet uxdia-c-featured-tile__title_link@mobile" target="_self" href='/money/taxes/aarp_taxaide/'> Free Tax Preparation Assistance</a> </p>   <div class="uxdia-c-featured-tile__button-section uxdia-c-featured-tile__button-section@tablet uxdia-c-featured-tile__button-section@mobile"> </div> </div> </div> </div>  </div> </div> <div class="featuredTile articleimage image aem-GridColumn aem-GridColumn--default--12"><div class="uxdia-c-featured-tile-wrapper uxdia-c-featured-tile-wrapper@mobile " data-position="2" data-posID="2"> <div class="uxdia-c-featured-tile-container-link" data-cmp-clickable tabindex="0" href='/retirement/retirement-calculator/' data-formelementid="TILE_CLK-MONEY-MONEY_MAP" aria-label="AARP Retirement Calculator" target="_self"> <div class="uxdia-c-featured-tile__container uxdia-c-featured-tile__container@tablet uxdia-c-featured-tile__container@mobile"> <a href='/retirement/retirement-calculator/' target="_self" class="uxdia-c-featured-tile__image-wrapper uxdia-c-featured-tile__image-wrapper@tablet uxdia-c-featured-tile__image-wrapper@mobile sharp-c-credit-photo-wrapper" title="AARP Retirement Calculator"> <div class="uxdia-c-featured-tile__image"> <div id="image-9555fee946" class="cmp-image uxdia-c-image" itemscope itemtype="http://schema.org/ImageObject"> <img class="uxdia-c-spinner" src='https://cdn.aarp.net/etc/uxdia/images/uxdia-spinner.svg' alt="spinner image"/> <picture class="articlelazy cmp-image__picture cmp-image__picture@tablet" data-loading="lazy"> <img class="cmp-image__image cmp-image__image@tablet" data-srcset="https://aarp.widen.net/content/syxnp2yhn4/jpeg/AARP_Sit_Final2.jpg?crop=true&anchor=3,50&q=80&color=ffffffff&u=oymmsj&w=2039&h=1171" data-src='https://aarp.widen.net/content/syxnp2yhn4/jpeg/AARP_Sit_Final2.jpg?crop=true&anchor=3,50&q=80&color=ffffffff&u=oymmsj&w=2039&h=1171' alt width="2039" height="1171"/> </picture> </div> </div> </a> <div class="uxdia-c-featured-tile__content-wrapper uxdia-c-featured-tile__article-content-wrapper uxdia-c-featured-tile__content-wrapper@tablet uxdia-c-featured-tile__content-wrapper@mobile"> <p class="uxdia-c-featured-tile__category uxdia-c-featured-tile__category@tablet uxdia-c-featured-tile__category@mobile">Retirement</p> <p class="uxdia-c-featured-tile__title uxdia-c-featured-tile__title@tablet uxdia-c-featured-tile__title@mobile uxdia-u-title-card uxdia-u-title-card@mobile"> <a class="uxdia-c-featured-tile__title_link uxdia-c-featured-tile__title_link@tablet uxdia-c-featured-tile__title_link@mobile" target="_self" href='/retirement/retirement-calculator/'> AARP Retirement Calculator</a> </p>   <div class="uxdia-c-featured-tile__button-section uxdia-c-featured-tile__button-section@tablet uxdia-c-featured-tile__button-section@mobile"> </div> </div> </div> </div>  </div> </div> <div class="featuredTile articleimage image aem-GridColumn aem-GridColumn--default--12"><div class="uxdia-c-featured-tile-wrapper uxdia-c-featured-tile-wrapper@mobile " data-position="1" data-posID="1"> <div class="uxdia-c-featured-tile-container-link" data-cmp-clickable tabindex="0" href='/benefits-discounts/members-only-access/info-2024/ways-to-save-at-the-supermarket.html' data-formelementid="TILE_CLK-MONEY-MOA-MAKE_APPLIANCES_LAST" aria-label="25 Ways to Save at the Grocery Store" target="_self"> <div class="uxdia-c-featured-tile__container uxdia-c-featured-tile__container@tablet uxdia-c-featured-tile__container@mobile"> <a href='/benefits-discounts/members-only-access/info-2024/ways-to-save-at-the-supermarket.html' target="_self" class="uxdia-c-featured-tile__image-wrapper uxdia-c-featured-tile__image-wrapper@tablet uxdia-c-featured-tile__image-wrapper@mobile sharp-c-credit-photo-wrapper" title="25 Ways to Save at the Grocery Store"> <div class="uxdia-c-featured-tile__image"> <div id="image-1929b9bcd2" class="cmp-image uxdia-c-image" itemscope itemtype="http://schema.org/ImageObject"> <img class="uxdia-c-spinner" src='https://cdn.aarp.net/etc/uxdia/images/uxdia-spinner.svg' alt="spinner image"/> <picture class="articlelazy cmp-image__picture cmp-image__picture@tablet" data-loading="lazy"> <img class="cmp-image__image cmp-image__image@tablet" data-srcset="https://aarp.widen.net/content/q60kl87qwu/jpeg/77561-illo01-main.jpg?crop=true&anchor=0,0&q=80&color=ffffffff&u=alkyaq&w=1140&h=655" data-src='https://aarp.widen.net/content/q60kl87qwu/jpeg/77561-illo01-main.jpg?crop=true&anchor=0,0&q=80&color=ffffffff&u=alkyaq&w=1140&h=655' alt width="1140" height="655"/> </picture> </div> </div> <div class="uxdia-info_mb-card"> <span class="uxdia-info_lock-icon"></span> <span class="uxdia-info_mb-text">MEMBERS ONLY</span> </div> </a> <div class="uxdia-c-featured-tile__content-wrapper uxdia-c-featured-tile__article-content-wrapper uxdia-c-featured-tile__content-wrapper@tablet uxdia-c-featured-tile__content-wrapper@mobile"> <p class="uxdia-c-featured-tile__category uxdia-c-featured-tile__category@tablet uxdia-c-featured-tile__category@mobile">Your Money</p> <p class="uxdia-c-featured-tile__title uxdia-c-featured-tile__title@tablet uxdia-c-featured-tile__title@mobile uxdia-u-title-card uxdia-u-title-card@mobile"> <a class="uxdia-c-featured-tile__title_link uxdia-c-featured-tile__title_link@tablet uxdia-c-featured-tile__title_link@mobile" target="_self" href='/benefits-discounts/members-only-access/info-2024/ways-to-save-at-the-supermarket.html'> 25 Ways to Save at the Grocery Store</a> </p>   <div class="uxdia-c-featured-tile__moa-badge-wrapper uxdia-c-featured-tile__moa-badge-wrapper@tablet uxdia-c-featured-tile__moa-badge-wrapper@mobile"> <span class="uxdia-c-featured-tile__moa-badge-icon"></span><span class="uxdia-c-featured-tile__moa-badge-title">MEMBERS ONLY</span> </div> <div class="uxdia-c-featured-tile__button-section uxdia-c-featured-tile__button-section@tablet uxdia-c-featured-tile__button-section@mobile"> </div> </div> </div> </div>  </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div id="megamenu-c86cc6330f-item-361c4ae95a-tabpanel" aria-hidden="false" role="tabpanel" aria-labelledby="megamenu-c86cc6330f-item-361c4ae95a-tab" tabindex="0" class="cmp-tabs__tabpanel Work & Jobs " data-cmp-hook-tabs="tabpanel"><div class="responsivegrid uxdia-c-megamenu--wrapper uxdia-c-megamenu—wrapper@tablet uxdia-c-megamenu—wrapper@desktop"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="responsivegrid uxdia-c-megamenu--wrapper uxdia-c-megamenu—wrapper@tablet uxdia-c-megamenu—wrapper@desktop aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> <div class="responsivegrid uxdia-c-megamenu--wrapper uxdia-c-megamenu—wrapper@tablet uxdia-c-megamenu—wrapper@desktop aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div id="container-3761eeef84" class="cmp-container" data-wcmmode="publish"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="text uxdia-c-megamenu-back--button nuxdia-c-megamenu-back--button@tablet uxdia-c-megamenu-back--button@desktop aem-GridColumn aem-GridColumn--default--12"> <div id="text-af417763b9" class="cmp-text"> <p><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" href='#' data-cmp-clickable data-cmp-data-layer="{"text-af417763b9-link-c513977844":{ "xdm:linkURL" : "#", "@type" : "uxdia/components/content/text/link", "dc:title" : "Back" }}">Back </a></p> </div> </div> <div class="text uxdia-u-subtitle-1 uxdia-u-subtitle-1@mobile uxdia-c-megamenu--link uxdia-c-megamenu--link@tablet uxdia-c-megamenu--link@desktop aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div id="text-436850fc6f" class="cmp-text"> <p><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" href='/work/' data-analyticsevent="LNK_CLK-WORK" data-formelementid="LNK_CLK-WORK" title="Link to work channel page" data-cmp-clickable data-cmp-data-layer="{"text-436850fc6f-link-7211de3f6d":{ "xdm:linkURL" : "/content/aarpe/en/home/work.html", "@type" : "uxdia/components/content/text/link", "dc:title" : "Work & Jobs" }}">Work & Jobs</a></p> </div> </div> <div class="text uxdia-c-megamenu--close uxdia-c-megamenu--close@tablet uxdia-c-megamenu--close@desktop aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0 aem-GridColumn--default--2"> <div id="text-cf143eb41f" class="cmp-text"> <p><a data-analyticsevent="LNK_CLK-CLOSE_MENU" data-formelementid="LNK_CLK-CLOSE_MENU" data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" title="link to close menu" href='#' data-cmp-clickable data-cmp-data-layer="{"text-cf143eb41f-link-439066d2c8":{ "xdm:linkURL" : "#", "@type" : "uxdia/components/content/text/link", "dc:title" : "Close Menu" }}">Close Menu</a></p> </div> </div> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div id="container-0abb5445ff" class="cmp-container" data-wcmmode="publish"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="text uxdia-c-button uxdia-c-button--secondary aem-GridColumn aem-GridColumn--default--12"> <div id="text-ae1d3d2e58" class="cmp-text"> <p><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" href='/work/job-search/' data-analyticsevent="BTN_CLK-WORK-JOB_SEARCH" data-formelementid="BTN_CLK-WORK-JOB_SEARCH" title="Link to job search landing page" data-cmp-clickable data-cmp-data-layer="{"text-ae1d3d2e58-link-0b57ef924e":{ "xdm:linkURL" : "/content/aarpe/en/home/work/job-search.html", "@type" : "uxdia/components/content/text/link", "dc:title" : "Job Search" }}">Job Search</a></p> </div> </div> <div class="text uxdia-c-button uxdia-c-button--secondary aem-GridColumn aem-GridColumn--default--12"> <div id="text-d7e21038ba" class="cmp-text"> <p><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" href='/work/careers/' data-analyticsevent="BTN_CLK-WORK-CAREERS" data-formelementid="BTN_CLK-WORK-CAREERS" title="link to the careers landing page" data-cmp-clickable data-cmp-data-layer="{"text-d7e21038ba-link-74f3ce8a9e":{ "xdm:linkURL" : "/content/aarpe/en/home/work/careers.html", "@type" : "uxdia/components/content/text/link", "dc:title" : "Careers" }}">Careers</a></p> </div> </div> <div class="text uxdia-c-button uxdia-c-button--secondary aem-GridColumn aem-GridColumn--default--12"> <div id="text-27cbdcd940" class="cmp-text"> <p><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" href='/work/small-business/' data-analyticsevent="BTN_CLK-WORK-SMALL_BUSINESS" data-formelementid="BTN_CLK-WORK-SMALL_BUSINESS" title="link to small business landing page" data-cmp-clickable data-cmp-data-layer="{"text-27cbdcd940-link-55ce7a7792":{ "xdm:linkURL" : "/content/aarpe/en/home/work/small-business.html", "@type" : "uxdia/components/content/text/link", "dc:title" : "Small Business" }}">Small Business</a></p> </div> </div> <div class="text uxdia-c-button uxdia-c-button--secondary aem-GridColumn aem-GridColumn--default--12"> <div id="text-620307c790" class="cmp-text"> <p><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" href='/work/employers/' data-analyticsevent="BTN_CLK-WORK-EMPLOYERS" data-formelementid="BTN_CLK-WORK-EMPLOYERS" title="Link to the employers landing page" data-cmp-clickable data-cmp-data-layer="{"text-620307c790-link-f8bd00ecf6":{ "xdm:linkURL" : "/content/aarpe/en/home/work/employers.html", "@type" : "uxdia/components/content/text/link", "dc:title" : "Employers" }}">Employers</a></p> </div> </div> <div class="text uxdia-c-button uxdia-c-button--secondary aem-GridColumn aem-GridColumn--default--12"> <div id="text-80c3a4cac3" class="cmp-text"> <p><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" href='/work/age-discrimination/' data-analyticsevent="BTN_CLK-WORK-AGE_DISCRIMINATION" data-formelementid="BTN_CLK-WORK-AGE_DISCRIMINATION" title="Link to the age discrimination landing page" data-cmp-clickable data-cmp-data-layer="{"text-80c3a4cac3-link-bc97f305ec":{ "xdm:linkURL" : "/content/aarpe/en/home/work/age-discrimination.html", "@type" : "uxdia/components/content/text/link", "dc:title" : "Age Discrimination" }}">Age Discrimination</a></p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid uxdia-c-four-pack-tiles__container uxdia-c-four-pack-tiles__container@tablet uxdia-c-four-pack-tiles__container@desktop uxdia-c-feature-tile-card aem-GridColumn aem-GridColumn--default--12"> <div id="container-fe027201ab" class="cmp-container" data-wcmmode="publish"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="featuredTile articleimage image aem-GridColumn aem-GridColumn--default--12"><div class="uxdia-c-featured-tile-wrapper uxdia-c-featured-tile-wrapper@mobile "> <div class="uxdia-c-featured-tile-container-link" data-cmp-clickable tabindex="0" href='/work/job-search/freelance-jobs-hiring-now/' data-formelementid="TILE_CLK-WORK-10_PARTTIME_JOBS_TO_BEAT_INFLATION" aria-label="Freelance Jobs You Can Do From Home" target="_self"> <div class="uxdia-c-featured-tile__container uxdia-c-featured-tile__container@tablet uxdia-c-featured-tile__container@mobile"> <a href='/work/job-search/freelance-jobs-hiring-now/' target="_self" class="uxdia-c-featured-tile__image-wrapper uxdia-c-featured-tile__image-wrapper@tablet uxdia-c-featured-tile__image-wrapper@mobile sharp-c-credit-photo-wrapper" title="Freelance Jobs You Can Do From Home"> <div class="uxdia-c-featured-tile__image"> <div id="image-08bf19a9ca" class="cmp-image uxdia-c-image" itemscope itemtype="http://schema.org/ImageObject"> <img class="uxdia-c-spinner" src='https://cdn.aarp.net/etc/uxdia/images/uxdia-spinner.svg' alt="spinner image"/> <picture class="articlelazy cmp-image__picture cmp-image__picture@tablet" data-loading="lazy"> <img class="cmp-image__image cmp-image__image@tablet" data-srcset="https://aarp.widen.net/content/7s4er3qcrq/jpeg/GettyImages-1401269015.jpg?crop=true&anchor=0,0&q=80&color=ffffffff&u=mh5igy&w=2048&h=1362" data-src='https://aarp.widen.net/content/7s4er3qcrq/jpeg/GettyImages-1401269015.jpg?crop=true&anchor=0,0&q=80&color=ffffffff&u=mh5igy&w=2048&h=1362' alt width="2048" height="1362"/> </picture> </div> </div> </a> <div class="uxdia-c-featured-tile__content-wrapper uxdia-c-featured-tile__article-content-wrapper uxdia-c-featured-tile__content-wrapper@tablet uxdia-c-featured-tile__content-wrapper@mobile"> <p class="uxdia-c-featured-tile__category uxdia-c-featured-tile__category@tablet uxdia-c-featured-tile__category@mobile">Flexible Work</p> <p class="uxdia-c-featured-tile__title uxdia-c-featured-tile__title@tablet uxdia-c-featured-tile__title@mobile uxdia-u-title-card uxdia-u-title-card@mobile"> <a class="uxdia-c-featured-tile__title_link uxdia-c-featured-tile__title_link@tablet uxdia-c-featured-tile__title_link@mobile" target="_self" href='/work/job-search/freelance-jobs-hiring-now/'> Freelance Jobs You Can Do From Home</a> </p>   <div class="uxdia-c-featured-tile__button-section uxdia-c-featured-tile__button-section@tablet uxdia-c-featured-tile__button-section@mobile"> </div> </div> </div> </div>  </div> </div> <div class="featuredTile articleimage image aem-GridColumn aem-GridColumn--default--12"><div class="uxdia-c-featured-tile-wrapper uxdia-c-featured-tile-wrapper@mobile " data-position="3" data-posID="3"> <div class="uxdia-c-featured-tile-container-link" data-cmp-clickable tabindex="0" href='/work/skills-builder/' data-formelementid="TILE_CLK-WORK-AARP_SKILLS_BUILDER" aria-label="Online Courses to Boost Your Career" target="_self"> <div 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data-loading="lazy"> <img class="cmp-image__image cmp-image__image@tablet" data-srcset="https://aarp.widen.net/content/dkv1c963gm/jpeg/Megamenu-Basics-GettyImages-1887469182.jpg?crop=true&anchor=1,6&q=80&color=ffffffff&u=mh5igy&w=2048&h=1177" data-src='https://aarp.widen.net/content/dkv1c963gm/jpeg/Megamenu-Basics-GettyImages-1887469182.jpg?crop=true&anchor=1,6&q=80&color=ffffffff&u=mh5igy&w=2048&h=1177' alt width="2048" height="1177"/> </picture> </div> </div> </a> <div class="uxdia-c-featured-tile__content-wrapper uxdia-c-featured-tile__article-content-wrapper uxdia-c-featured-tile__content-wrapper@tablet uxdia-c-featured-tile__content-wrapper@mobile"> <p class="uxdia-c-featured-tile__category uxdia-c-featured-tile__category@tablet uxdia-c-featured-tile__category@mobile">Basics</p> <p class="uxdia-c-featured-tile__title uxdia-c-featured-tile__title@tablet uxdia-c-featured-tile__title@mobile uxdia-u-title-card uxdia-u-title-card@mobile"> <a class="uxdia-c-featured-tile__title_link uxdia-c-featured-tile__title_link@tablet uxdia-c-featured-tile__title_link@mobile" target="_self" href='/retirement/social-security/info-2020/social-security-questions-answered.html'> 10 Top Social Security FAQs</a> </p>   <div class="uxdia-c-featured-tile__button-section uxdia-c-featured-tile__button-section@tablet uxdia-c-featured-tile__button-section@mobile"> </div> </div> </div> </div>  </div> </div> <div class="featuredTile articleimage image aem-GridColumn aem-GridColumn--default--12"><div class="uxdia-c-featured-tile-wrapper uxdia-c-featured-tile-wrapper@mobile " data-position="1" data-posID="1"> <div class="uxdia-c-featured-tile-container-link" data-cmp-clickable tabindex="0" href='/retirement/social-security/benefits-calculator/' data-formelementid="TILE_CLK-SOCIAL_SECURITY-BENEFITS_CALCULATOR" aria-label="Social Security Benefits Calculator" target="_self"> <div class="uxdia-c-featured-tile__container uxdia-c-featured-tile__container@tablet uxdia-c-featured-tile__container@mobile"> <a href='/retirement/social-security/benefits-calculator/' target="_self" class="uxdia-c-featured-tile__image-wrapper uxdia-c-featured-tile__image-wrapper@tablet uxdia-c-featured-tile__image-wrapper@mobile sharp-c-credit-photo-wrapper" title="Social Security Benefits Calculator"> <div class="uxdia-c-featured-tile__image"> <div id="image-fa37b109d7" class="cmp-image uxdia-c-image" itemscope itemtype="http://schema.org/ImageObject"> <img class="uxdia-c-spinner" src='https://cdn.aarp.net/etc/uxdia/images/uxdia-spinner.svg' alt="spinner image"/> <picture class="articlelazy cmp-image__picture cmp-image__picture@tablet" data-loading="lazy"> <img class="cmp-image__image cmp-image__image@tablet" data-srcset="https://aarp.widen.net/content/zrmxads4zm/jpeg/MegaMenu-Tools-PeteRyan.jpg?crop=true&anchor=0,0&q=80&color=ffffffff&u=mh5igy&w=2048&h=1237" 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uxdia-c-featured-tile__button-section@tablet uxdia-c-featured-tile__button-section@mobile"> </div> </div> </div> </div>  </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div id="megamenu-c86cc6330f-item-b3ff7c4fc1-tabpanel" aria-hidden="false" role="tabpanel" aria-labelledby="megamenu-c86cc6330f-item-b3ff7c4fc1-tab" tabindex="0" class="cmp-tabs__tabpanel Medicare " data-cmp-hook-tabs="tabpanel"><div class="responsivegrid uxdia-c-megamenu--wrapper uxdia-c-megamenu—wrapper@tablet uxdia-c-megamenu—wrapper@desktop"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="responsivegrid uxdia-c-megamenu--wrapper uxdia-c-megamenu—wrapper@tablet uxdia-c-megamenu—wrapper@desktop aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="responsivegrid uxdia-c-megamenu--wrapper uxdia-c-megamenu—wrapper@tablet uxdia-c-megamenu—wrapper@desktop aem-GridColumn aem-GridColumn--default--12"> 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data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" href='#' data-cmp-clickable data-cmp-data-layer="{"text-280ba0cc5b-link-6d290279d7":{ "xdm:linkURL" : "#", "@type" : "uxdia/components/content/text/link", "dc:title" : "Back" }}">Back </a></p> </div> </div> <div class="text uxdia-u-subtitle-1 uxdia-u-subtitle-1@mobile uxdia-c-megamenu--link uxdia-c-megamenu--link@tablet uxdia-c-megamenu--link@desktop aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div id="text-6472513085" class="cmp-text"> <p><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" href='/health/medicare-insurance/' data-analyticsevent="LNK_CLK-MEDICARE" data-formelementid="LNK_CLK-MEDICARE" data-cmp-clickable data-cmp-data-layer="{"text-6472513085-link-0324a4fda9":{ "xdm:linkURL" : "/content/aarpe/en/home/health/medicare-insurance.html", "@type" : "uxdia/components/content/text/link", "dc:title" : "Medicare" }}">Medicare</a></p> </div> </div> <div class="text uxdia-c-megamenu--close uxdia-c-megamenu--close@tablet uxdia-c-megamenu--close@desktop aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0 aem-GridColumn--default--2"> <div id="text-e079d5ad6d" class="cmp-text"> <p><a data-analyticsevent="LNK_CLK-CLOSE_MENU" data-formelementid="LNK_CLK-CLOSE_MENU" data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" title="link to close menu" href='#' data-cmp-clickable data-cmp-data-layer="{"text-e079d5ad6d-link-0651559e60":{ "xdm:linkURL" : "#", "@type" : "uxdia/components/content/text/link", "dc:title" : "Close Menu" }}">Close Menu</a></p> </div> </div> </div> </div> </div> <div class="container responsivegrid uxdia-c-four-pack-tiles__container uxdia-c-four-pack-tiles__container@tablet uxdia-c-four-pack-tiles__container@desktop uxdia-c-feature-tile-card aem-GridColumn aem-GridColumn--default--12"> <div id="container-3c0d856add" class="cmp-container" data-wcmmode="publish"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="featuredTile articleimage image aem-GridColumn aem-GridColumn--default--12"><div class="uxdia-c-featured-tile-wrapper uxdia-c-featured-tile-wrapper@mobile "> <div class="uxdia-c-featured-tile-container-link" data-cmp-clickable tabindex="0" 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uxdia-c-featured-tile__content-wrapper@tablet uxdia-c-featured-tile__content-wrapper@mobile"> <p class="uxdia-c-featured-tile__category uxdia-c-featured-tile__category@tablet uxdia-c-featured-tile__category@mobile">Enrollment Guide</p> <p class="uxdia-c-featured-tile__title uxdia-c-featured-tile__title@tablet uxdia-c-featured-tile__title@mobile uxdia-u-title-card uxdia-u-title-card@mobile"> <a class="uxdia-c-featured-tile__title_link uxdia-c-featured-tile__title_link@tablet uxdia-c-featured-tile__title_link@mobile" target="_self" href='/health/medicare-insurance/enrollment-guide/'> Step-by-Step Tool for First-Timers</a> </p>   <div class="uxdia-c-featured-tile__button-section uxdia-c-featured-tile__button-section@tablet uxdia-c-featured-tile__button-section@mobile"> </div> </div> </div> </div>  </div> </div> <div class="featuredTile articleimage image aem-GridColumn aem-GridColumn--default--12"><div class="uxdia-c-featured-tile-wrapper uxdia-c-featured-tile-wrapper@mobile " data-position="2" data-posID="2"> <div class="uxdia-c-featured-tile-container-link" data-cmp-clickable tabindex="0" href='/health/medicare-insurance/info-2022/prescription-drug-coverage-changes.html' data-formelementid="TILE_CLK-MEDICARE-9_RX_NEW_LAW_CHANGES" aria-label="9 Biggest Changes Under New Rx Law " target="_self"> <div class="uxdia-c-featured-tile__container uxdia-c-featured-tile__container@tablet uxdia-c-featured-tile__container@mobile"> <a href='/health/medicare-insurance/info-2022/prescription-drug-coverage-changes.html' target="_self" class="uxdia-c-featured-tile__image-wrapper uxdia-c-featured-tile__image-wrapper@tablet uxdia-c-featured-tile__image-wrapper@mobile sharp-c-credit-photo-wrapper" title="9 Biggest Changes Under New Rx Law "> <div class="uxdia-c-featured-tile__image"> <div id="image-ed1855c6e6" class="cmp-image uxdia-c-image" itemscope itemtype="http://schema.org/ImageObject"> <img class="uxdia-c-spinner" src='https://cdn.aarp.net/etc/uxdia/images/uxdia-spinner.svg' alt="spinner image"/> <picture class="articlelazy cmp-image__picture cmp-image__picture@tablet" data-loading="lazy"> <img class="cmp-image__image cmp-image__image@tablet" data-srcset="https://aarp.widen.net/content/qz0sxiwyyp/jpeg/AARP-A.jpg?crop=true&anchor=0,0&q=80&color=ffffffff&u=oymmsj&w=2048&h=1177" data-src='https://aarp.widen.net/content/qz0sxiwyyp/jpeg/AARP-A.jpg?crop=true&anchor=0,0&q=80&color=ffffffff&u=oymmsj&w=2048&h=1177' alt width="2048" height="1177"/> </picture> </div> </div> </a> <div class="uxdia-c-featured-tile__content-wrapper uxdia-c-featured-tile__article-content-wrapper uxdia-c-featured-tile__content-wrapper@tablet uxdia-c-featured-tile__content-wrapper@mobile"> <p class="uxdia-c-featured-tile__category uxdia-c-featured-tile__category@tablet uxdia-c-featured-tile__category@mobile">Prescription Drugs</p> <p class="uxdia-c-featured-tile__title uxdia-c-featured-tile__title@tablet 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class="cmp-tabs__tabpanel Games " data-cmp-hook-tabs="tabpanel"><div class="responsivegrid uxdia-c-megamenu--wrapper uxdia-c-megamenu—wrapper@tablet uxdia-c-megamenu—wrapper@desktop"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="responsivegrid uxdia-c-megamenu--wrapper uxdia-c-megamenu—wrapper@tablet uxdia-c-megamenu—wrapper@desktop aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> <div class="responsivegrid uxdia-c-megamenu--wrapper uxdia-c-megamenu—wrapper@tablet uxdia-c-megamenu—wrapper@desktop aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div id="container-18c7406955" class="cmp-container" data-wcmmode="publish"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="text uxdia-c-megamenu-back--button 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A different privacy policy and terms of service will apply.');return false;" href='#' data-cmp-clickable data-cmp-data-layer="{"text-889bc2a40a-link-1207ac2dbf":{ "xdm:linkURL" : "#", "@type" : "uxdia/components/content/text/link", "dc:title" : "Back" }}">Back </a></p> </div> </div> <div class="text uxdia-u-subtitle-1 uxdia-u-subtitle-1@mobile uxdia-c-megamenu--link uxdia-c-megamenu--link@tablet uxdia-c-megamenu--link@desktop aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div id="text-e3d6eef272" class="cmp-text"> <p><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" href='https://www.aarp.org/games/' data-analyticsevent="LNK_CLK-GAMES" data-formelementid="LNK_CLK-GAMES" data-cmp-clickable data-cmp-data-layer="{"text-e3d6eef272-link-271ec924c2":{ "xdm:linkURL" : "https://www.aarp.org/games/", "@type" : "uxdia/components/content/text/link", "dc:title" : "Games" }}">Games</a></p> </div> </div> <div class="text uxdia-c-megamenu--close uxdia-c-megamenu--close@tablet uxdia-c-megamenu--close@desktop aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0 aem-GridColumn--default--2"> <div id="text-e90992e092" class="cmp-text"> <p><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" href='#' data-analyticsevent="LNK_CLK-CLOSE_MENU" data-formelementid="LNK_CLK-CLOSE_MENU" title="Link to close menu" data-cmp-clickable data-cmp-data-layer="{"text-e90992e092-link-539bcb74f4":{ "xdm:linkURL" : "#", "@type" : "uxdia/components/content/text/link", "dc:title" : "Close Menu" }}">Close Menu</a></p> </div> </div> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div id="container-b3ada8f613" class="cmp-container" data-wcmmode="publish"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="text uxdia-c-button uxdia-c-button--secondary aem-GridColumn aem-GridColumn--default--12"> <div id="text-4bd0c38b0a" class="cmp-text"> <p><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" href='https://www.aarp.org/games/category/all-games/' data-analyticsevent="BTN_CLK-GAMES-ALL" data-formelementid="BTN_CLK-GAMES-ALL" title="Link to the AARP All Games landing page" data-cmp-clickable data-cmp-data-layer="{"text-4bd0c38b0a-link-bbf5ec1439":{ "xdm:linkURL" : "https://www.aarp.org/games/category/all-games/", "@type" : "uxdia/components/content/text/link", "dc:title" : "All" }}">All</a></p> </div> </div> <div class="text uxdia-c-button uxdia-c-button--secondary aem-GridColumn aem-GridColumn--default--12"> <div id="text-221f36f3b3" class="cmp-text"> <p><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" rel="noreferrer" href='https://games.aarp.org/category/recently-played' target="_blank" data-analyticsevent="BTN_CLK-GAMES-RECENT" data-formelementid="BTN_CLK-GAMES-RECENT" title="Link to AARP recently played games" data-cmp-clickable data-cmp-data-layer="{"text-221f36f3b3-link-77a64dfd44":{ "xdm:linkURL" : "https://games.aarp.org/category/recently-played", "@type" : "uxdia/components/content/text/link", "dc:title" : "Recently Played" }}">Recently Played</a></p> </div> </div> <div class="text uxdia-c-button uxdia-c-button--secondary aem-GridColumn aem-GridColumn--default--12"> <div id="text-2eaf0667d1" class="cmp-text"> <p><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" href='https://www.aarp.org/games/category/word/' data-analyticsevent="BTN_CLK-GAMES-WORD_TRIVIA" data-formelementid="BTN_CLK-GAMES-WORD_TRIVIA" title="Link to AARP Games Word and Trivia category landing page" data-cmp-clickable data-cmp-data-layer="{"text-2eaf0667d1-link-6329ea6792":{ "xdm:linkURL" : "https://www.aarp.org/games/category/word/", "@type" : "uxdia/components/content/text/link", "dc:title" : "Word & Trivia" }}">Word & Trivia</a></p> </div> </div> <div class="text uxdia-c-button uxdia-c-button--secondary aem-GridColumn aem-GridColumn--default--12"> <div id="text-5224afaac0" class="cmp-text"> <p><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" href='https://www.aarp.org/games/category/rewards-games/' data-analyticsevent="BTN_CLK-GAMES-REWARDS" data-formelementid="BTN_CLK-GAMES-REWARDS" title="Link to the AARP Games Rewards category landing age" data-cmp-clickable data-cmp-data-layer="{"text-5224afaac0-link-c70fa1496e":{ "xdm:linkURL" : "https://www.aarp.org/games/category/rewards-games/", "@type" : "uxdia/components/content/text/link", "dc:title" : "Rewards" }}">Rewards</a></p> </div> </div> <div class="text uxdia-c-button uxdia-c-button--secondary aem-GridColumn aem-GridColumn--default--12"> <div id="text-5a731e23e2" class="cmp-text"> <p><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" href='https://www.aarp.org/games/category/atari-games/' data-analyticsevent="BTN_CLK-GAMES-ATARI_RETRO" data-formelementid="BTN_CLK-GAMES-ATARI_RETRO" title="Link to the AARP Games Atari and Retro category landing page" data-cmp-clickable data-cmp-data-layer="{"text-5a731e23e2-link-629af1fc73":{ "xdm:linkURL" : "https://www.aarp.org/games/category/atari-games/", "@type" : "uxdia/components/content/text/link", "dc:title" : "Atari® & Retro" }}">Atari® & Retro</a></p> </div> </div> <div class="text uxdia-c-button uxdia-c-button--secondary aem-GridColumn aem-GridColumn--default--12"> <div id="text-97c24cb9b3" class="cmp-text"> <p><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" href='https://www.aarp.org/games/category/mahjongg/' data-analyticsevent="BTN_CLK-GAMES-MAHJONGG" data-formelementid="BTN_CLK-GAMES-MAHJONGG" title="Link to the AARP Games Mahjongg category landing page" data-cmp-clickable data-cmp-data-layer="{"text-97c24cb9b3-link-beffb0e570":{ "xdm:linkURL" : "https://www.aarp.org/games/category/mahjongg/", "@type" : "uxdia/components/content/text/link", "dc:title" : "Mahjongg" }}">Mahjongg</a></p> </div> </div> <div class="text uxdia-c-button uxdia-c-button--secondary aem-GridColumn aem-GridColumn--default--12"> <div id="text-c0e91a70a4" class="cmp-text"> <p><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" href='https://www.aarp.org/games/category/members/' data-analyticsevent="BTN_CLK-GAMES-MEMBERS_Only" data-formelementid="BTN_CLK-GAMES-MEMBERS_Only" title="Link to the AARP Games Members Only category landing page" data-cmp-clickable data-cmp-data-layer="{"text-c0e91a70a4-link-b5293c2de7":{ "xdm:linkURL" : "https://www.aarp.org/games/category/members/", "@type" : "uxdia/components/content/text/link", "dc:title" : "Members Only" }}">Members Only</a></p> </div> </div> <div class="text uxdia-c-button uxdia-c-button--secondary aem-GridColumn aem-GridColumn--default--12"> <div id="text-0095f7dfdc" class="cmp-text"> <p><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" href='https://www.aarp.org/games/category/staying-sharp/' data-analyticsevent="BTN_CLK-GAMES-STAYING_SHARP" data-formelementid="BTN_CLK-GAMES-STAYING_SHARP" title="Link to the AARP Games Staying Sharp category landing page" data-cmp-clickable data-cmp-data-layer="{"text-0095f7dfdc-link-51661a53f8":{ "xdm:linkURL" : "https://www.aarp.org/games/category/staying-sharp/", "@type" : "uxdia/components/content/text/link", "dc:title" : "Staying Sharp" }}">Staying Sharp</a></p> </div> </div> <div class="text uxdia-c-button uxdia-c-button--secondary aem-GridColumn aem-GridColumn--default--12"> <div id="text-1357af9a97" class="cmp-text"> <p><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" href='https://www.aarp.org/games/category/solitaire/' title="Link to the AARP Games Solitare category landing page" data-cmp-clickable data-cmp-data-layer="{"text-1357af9a97-link-bb1ae19ad7":{ "xdm:linkURL" : "https://www.aarp.org/games/category/solitaire/", "@type" : "uxdia/components/content/text/link", "dc:title" : "Solitare" }}">Solitare</a></p> </div> </div> <div class="text uxdia-c-button uxdia-c-button--secondary aem-GridColumn aem-GridColumn--default--12"> <div id="text-d43d00491e" class="cmp-text"> <p><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" href='https://www.aarp.org/games/category/strategy/' data-analyticsevent="BTN_CLK-GAMES-STRATEGY" data-formelementid="BTN_CLK-GAMES-STRATEGY" title="Link to the AARP Games Strategy category landing page" data-cmp-clickable data-cmp-data-layer="{"text-d43d00491e-link-4e449947f2":{ "xdm:linkURL" : "https://www.aarp.org/games/category/strategy/", "@type" : "uxdia/components/content/text/link", "dc:title" : "Strategy" }}">Strategy</a></p> </div> </div> <div class="text uxdia-c-button uxdia-c-button--secondary aem-GridColumn aem-GridColumn--default--12"> <div id="text-2053d493b1" class="cmp-text"> <p><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" href='https://www.aarp.org/games/category/arcade/' data-aria-label="BTN_CLK-GAMES-ARCADE" title="Link to the AARP Games Arcade category landing page" data-analyticsevent="BTN_CLK-GAMES-ARCADE" data-formelementid="BTN_CLK-GAMES-ARCADE" data-cmp-clickable data-cmp-data-layer="{"text-2053d493b1-link-1dd41e1654":{ "xdm:linkURL" : "https://www.aarp.org/games/category/arcade/", "@type" : "uxdia/components/content/text/link", "dc:title" : "Arcade" }}">Arcade</a></p> </div> </div> <div class="text uxdia-c-button uxdia-c-button--secondary aem-GridColumn aem-GridColumn--default--12"> <div id="text-744ae573f8" class="cmp-text"> <p><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" href='https://www.aarp.org/games/category/puzzles/' data-analyticsevent="BTN_CLK-GAMES-PUZZLES" data-formelementid="BTN_CLK-GAMES-PUZZLES" title="Link to the AARP Games Puzzle category landing page" data-cmp-clickable data-cmp-data-layer="{"text-744ae573f8-link-e4fff7fc6f":{ "xdm:linkURL" : "https://www.aarp.org/games/category/puzzles/", "@type" : "uxdia/components/content/text/link", "dc:title" : "Puzzles" }}">Puzzles</a></p> </div> </div> <div class="text uxdia-c-button uxdia-c-button--secondary aem-GridColumn aem-GridColumn--default--12"> <div id="text-ada501cc96" class="cmp-text"> <p><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" href='https://www.aarp.org/games/category/card/' data-analyticsevent="BTN_CLK-GAMES-CARD" data-formelementid="BTN_CLK-GAMES-CARD" title="Link to the AARP Games Card category landing page" data-cmp-clickable data-cmp-data-layer="{"text-ada501cc96-link-78060950ef":{ "xdm:linkURL" : "https://www.aarp.org/games/category/card/", "@type" : "uxdia/components/content/text/link", "dc:title" : "Card" }}">Card</a></p> </div> </div> <div class="text uxdia-c-button uxdia-c-button--secondary aem-GridColumn aem-GridColumn--default--12"> <div id="text-4cf8a71af5" class="cmp-text"> <p><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" href='https://www.aarp.org/games/category/juegos-espanol/' data-analyticsevent="BTN_CLK-GAMES-JUEGOS" data-formelementid="BTN_CLK-GAMES-JUEGOS" title="Link to the AARP Games Juegos category landing page" data-cmp-clickable data-cmp-data-layer="{"text-4cf8a71af5-link-ed8a935230":{ "xdm:linkURL" : "https://www.aarp.org/games/category/juegos-espanol/", "@type" : "uxdia/components/content/text/link", "dc:title" : "Juegos" }}">Juegos</a></p> </div> </div> <div class="text uxdia-c-button uxdia-c-button--secondary aem-GridColumn aem-GridColumn--default--12"> <div id="text-ea9e2579bf" class="cmp-text"> <p><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" href='https://www.aarp.org/games/category/daily-games/' data-analyticsevent="BTN_CLK-GAMES-DAILY" data-formelementid="BTN_CLK-GAMES-DAILY" title="Link to the AARP Games Daily category landing page" data-cmp-clickable data-cmp-data-layer="{"text-ea9e2579bf-link-d5aee82bcb":{ "xdm:linkURL" : "https://www.aarp.org/games/category/daily-games/", "@type" : "uxdia/components/content/text/link", "dc:title" : "Daily" }}">Daily</a></p> </div> </div> <div class="text uxdia-c-button uxdia-c-button--secondary aem-GridColumn aem-GridColumn--default--12"> <div id="text-7eeb471d99" class="cmp-text"> <p><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" href='https://www.aarp.org/games/category/game-shows/' data-analyticsevent="BTN_CLK-GAMES-GAME_SHOWS" data-formelementid="BTN_CLK-GAMES-GAME_SHOWS" title="Learn more about the game show" data-cmp-clickable data-cmp-data-layer="{"text-7eeb471d99-link-4e291ff17b":{ "xdm:linkURL" : "https://www.aarp.org/games/category/game-shows/", "@type" : "uxdia/components/content/text/link", "dc:title" : "Game Shows" }}">Game Shows</a></p> </div> </div> <div class="text uxdia-c-button uxdia-c-button--secondary aem-GridColumn aem-GridColumn--default--12"> <div id="text-302e536a67" class="cmp-text"> <p><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" href='https://www.aarp.org/games/tournament-tuesdays/' data-analyticsevent="BTN_CLK-GAMES-MORE" data-formelementid="BTN_CLK-GAMES-MORE" title="Learn more about A A R P games" data-cmp-clickable data-cmp-data-layer="{"text-302e536a67-link-a3ca3e9eea":{ "xdm:linkURL" : "https://www.aarp.org/games/tournament-tuesdays/", "@type" : "uxdia/components/content/text/link", "dc:title" : "More About Games" }}">More About Games</a></p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid uxdia-c-four-pack-tiles__container uxdia-c-four-pack-tiles__container@tablet uxdia-c-four-pack-tiles__container@desktop uxdia-c-feature-tile-card aem-GridColumn aem-GridColumn--default--12"> <div id="container-743320894a" class="cmp-container" data-wcmmode="publish"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="featuredTile articleimage image aem-GridColumn--default--none aem-GridColumn aem-GridColumn--offset--default--0 aem-GridColumn--default--4"><div class="uxdia-c-featured-tile-wrapper uxdia-c-featured-tile-wrapper@mobile "> <div class="uxdia-c-featured-tile-container-link" data-cmp-clickable tabindex="0" href='https://games.aarp.org/games/right-again-trivia' data-formelementid="TILE_CLK-GAMES-RIGHT_AGAIN_TRIVIA" aria-label="Right Again! Trivia" target="_blank"> <div class="uxdia-c-featured-tile__container uxdia-c-featured-tile__container@tablet uxdia-c-featured-tile__container@mobile"> <a href='https://games.aarp.org/games/right-again-trivia' target="_blank" class="uxdia-c-featured-tile__image-wrapper uxdia-c-featured-tile__image-wrapper@tablet uxdia-c-featured-tile__image-wrapper@mobile sharp-c-credit-photo-wrapper" title="Right Again! Trivia"> <div class="uxdia-c-featured-tile__image"> <div data-asset-id="7343ecba-2a05-4446-a83a-cd8921fb0e13" id="image-d12d8eed3b" class="cmp-image uxdia-c-image" itemscope itemtype="http://schema.org/ImageObject"> <img class="uxdia-c-spinner" src='https://cdn.aarp.net/etc/uxdia/images/uxdia-spinner.svg' alt="spinner image"/> <picture class="articlelazy cmp-image__picture cmp-image__picture@tablet" data-loading="lazy"> <img class="cmp-image__image cmp-image__image@tablet" data-srcset="https://cdn.aarp.net/content/dam/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1659969291143_c/item_1659967770303_c_182155119/container_1827098909/moms_boyfriend_in_as.coreimg.50.276.png/content/dam/aarp/uxdia/en/navigation-tiles/1140x655-games-right-again.png" data-src="https://cdn.aarp.net/content/dam/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1659969291143_c/item_1659967770303_c_182155119/container_1827098909/moms_boyfriend_in_as.coreimg.50.276.png/content/dam/aarp/uxdia/en/navigation-tiles/1140x655-games-right-again.png" alt="AARP Right Again Trivia and AARP Rewards" title="Play AARP Right Again Trivia, an AARP Rewards Game" width="1140" height="655"/> </picture> <meta itemprop="caption" content="Play AARP Right Again Trivia, an AARP Rewards Game"/> </div> </div> </a> <div class="uxdia-c-featured-tile__content-wrapper uxdia-c-featured-tile__article-content-wrapper uxdia-c-featured-tile__content-wrapper@tablet uxdia-c-featured-tile__content-wrapper@mobile"> <p class="uxdia-c-featured-tile__title uxdia-c-featured-tile__title@tablet uxdia-c-featured-tile__title@mobile uxdia-u-title-card uxdia-u-title-card@mobile"> <a class="uxdia-c-featured-tile__title_link uxdia-c-featured-tile__title_link@tablet uxdia-c-featured-tile__title_link@mobile" target="_blank" href='https://games.aarp.org/games/right-again-trivia'> Right Again! Trivia</a> </p>   <div class="uxdia-c-featured-tile__button-section uxdia-c-featured-tile__button-section@tablet uxdia-c-featured-tile__button-section@mobile"> </div> </div> </div> </div>  </div> </div> <div class="featuredTile articleimage image aem-GridColumn--default--none aem-GridColumn aem-GridColumn--offset--default--0 aem-GridColumn--default--4"><div class="uxdia-c-featured-tile-wrapper uxdia-c-featured-tile-wrapper@mobile " data-position="3" data-posID="3"> <div class="uxdia-c-featured-tile-container-link" data-cmp-clickable tabindex="0" href='https://games.aarp.org/games/right-again-trivia-sports' data-formelementid="TILE_CLK-GAMES-RIGHT_AGAIN_TRIVIA_SPORTS" aria-label="Right Again! Trivia – Sports" target="_blank"> <div class="uxdia-c-featured-tile__container uxdia-c-featured-tile__container@tablet uxdia-c-featured-tile__container@mobile"> <a href='https://games.aarp.org/games/right-again-trivia-sports' target="_blank" class="uxdia-c-featured-tile__image-wrapper uxdia-c-featured-tile__image-wrapper@tablet uxdia-c-featured-tile__image-wrapper@mobile sharp-c-credit-photo-wrapper" title="Right Again! Trivia – Sports"> <div class="uxdia-c-featured-tile__image"> <div data-asset-id="314d3e0f-3467-42af-b53e-e41292a65ab5" id="image-2f98b28d34" class="cmp-image uxdia-c-image" itemscope itemtype="http://schema.org/ImageObject"> <img class="uxdia-c-spinner" src='https://cdn.aarp.net/etc/uxdia/images/uxdia-spinner.svg' alt="spinner image"/> <picture class="articlelazy cmp-image__picture cmp-image__picture@tablet" data-loading="lazy"> <img class="cmp-image__image cmp-image__image@tablet" data-srcset="https://cdn.aarp.net/content/dam/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1659969291143_c/item_1659967770303_c_182155119/container_1827098909/moms_boyfriend_in_as_1884377341.coreimg.50.276.jpeg/content/dam/aarp/uxdia/en/navigation-tiles/aaarp-games-right-again-sports-promo-1140x655.jpg" data-src="https://cdn.aarp.net/content/dam/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1659969291143_c/item_1659967770303_c_182155119/container_1827098909/moms_boyfriend_in_as_1884377341.coreimg.50.276.jpeg/content/dam/aarp/uxdia/en/navigation-tiles/aaarp-games-right-again-sports-promo-1140x655.jpg" alt="AARP Right Again Trivia Sports and AARP Rewards" title="Play AARP Right Again Trivia Sports, an AARP Rewards Game" width="1140" height="655"/> </picture> <meta itemprop="caption" content="Play AARP Right Again Trivia Sports, an AARP Rewards Game"/> </div> </div> </a> <div class="uxdia-c-featured-tile__content-wrapper uxdia-c-featured-tile__article-content-wrapper uxdia-c-featured-tile__content-wrapper@tablet uxdia-c-featured-tile__content-wrapper@mobile"> <p class="uxdia-c-featured-tile__title uxdia-c-featured-tile__title@tablet uxdia-c-featured-tile__title@mobile uxdia-u-title-card uxdia-u-title-card@mobile"> <a class="uxdia-c-featured-tile__title_link uxdia-c-featured-tile__title_link@tablet uxdia-c-featured-tile__title_link@mobile" target="_blank" href='https://games.aarp.org/games/right-again-trivia-sports'> Right Again! Trivia – Sports</a> </p>   <div class="uxdia-c-featured-tile__button-section uxdia-c-featured-tile__button-section@tablet uxdia-c-featured-tile__button-section@mobile"> </div> </div> </div> </div>  </div> </div> <div class="featuredTile articleimage image aem-GridColumn aem-GridColumn--default--12"><div class="uxdia-c-featured-tile-wrapper uxdia-c-featured-tile-wrapper@mobile " data-position="2" data-posID="2"> <div class="uxdia-c-featured-tile-container-link" data-cmp-clickable tabindex="0" href='/games/category/atari-games/' data-formelementid="TILE_CLK-GAMES-ATARI_VIDEO_GAMES" aria-label="Atari® Video Games" target="_blank"> <div class="uxdia-c-featured-tile__container uxdia-c-featured-tile__container@tablet uxdia-c-featured-tile__container@mobile"> <a href='/games/category/atari-games/' target="_blank" class="uxdia-c-featured-tile__image-wrapper uxdia-c-featured-tile__image-wrapper@tablet uxdia-c-featured-tile__image-wrapper@mobile sharp-c-credit-photo-wrapper" title="Atari® Video Games"> <div class="uxdia-c-featured-tile__image"> <div data-asset-id="5f8e00c3-ab76-44fd-8459-5f48896e5ed5" id="image-ca6b8a9508" class="cmp-image uxdia-c-image" itemscope itemtype="http://schema.org/ImageObject"> <img class="uxdia-c-spinner" src='https://cdn.aarp.net/etc/uxdia/images/uxdia-spinner.svg' alt="spinner image"/> <picture class="articlelazy cmp-image__picture cmp-image__picture@tablet" data-loading="lazy"> <img class="cmp-image__image cmp-image__image@tablet" data-srcset="https://cdn.aarp.net/content/dam/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1659969291143_c/item_1659967770303_c_182155119/container_1827098909/moms_boyfriend_in_as_1029081247.coreimg.50.276.jpeg/content/dam/aarp/uxdia/en/navigation-tiles/1140x655-games-atari-1a-.jpg" data-src="https://cdn.aarp.net/content/dam/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1659969291143_c/item_1659967770303_c_182155119/container_1827098909/moms_boyfriend_in_as_1029081247.coreimg.50.276.jpeg/content/dam/aarp/uxdia/en/navigation-tiles/1140x655-games-atari-1a-.jpg" alt="Atari, Centipede, Pong, Breakout, Missile Command Asteroids" title="Play your favorite ATARI game" width="1140" height="655"/> </picture> <meta itemprop="caption" content="Play your favorite ATARI game"/> </div> </div> </a> <div class="uxdia-c-featured-tile__content-wrapper uxdia-c-featured-tile__article-content-wrapper uxdia-c-featured-tile__content-wrapper@tablet uxdia-c-featured-tile__content-wrapper@mobile"> <p class="uxdia-c-featured-tile__title uxdia-c-featured-tile__title@tablet uxdia-c-featured-tile__title@mobile uxdia-u-title-card uxdia-u-title-card@mobile"> <a class="uxdia-c-featured-tile__title_link uxdia-c-featured-tile__title_link@tablet uxdia-c-featured-tile__title_link@mobile" target="_blank" href='/games/category/atari-games/'> Atari® Video Games</a> </p>   <div class="uxdia-c-featured-tile__button-section uxdia-c-featured-tile__button-section@tablet uxdia-c-featured-tile__button-section@mobile"> </div> </div> </div> </div>  </div> </div> <div class="featuredTile articleimage image aem-GridColumn--default--none aem-GridColumn--offset--default--8 aem-GridColumn aem-GridColumn--default--1"><div class="uxdia-c-featured-tile-wrapper uxdia-c-featured-tile-wrapper@mobile " data-position="1" data-posID="1"> <div class="uxdia-c-featured-tile-container-link" data-cmp-clickable tabindex="0" href='https://games.aarp.org/games/throwback-thursday-crossword' data-formelementid="TILE_CLK-GAMES-MOA_THROWBACK_THURSDAY_CROSSWORD" aria-label="Throwback Thursday Crossword" target="_blank"> <div class="uxdia-c-featured-tile__container uxdia-c-featured-tile__container@tablet uxdia-c-featured-tile__container@mobile"> <a href='https://games.aarp.org/games/throwback-thursday-crossword' target="_blank" class="uxdia-c-featured-tile__image-wrapper uxdia-c-featured-tile__image-wrapper@tablet uxdia-c-featured-tile__image-wrapper@mobile sharp-c-credit-photo-wrapper" title="Throwback Thursday Crossword"> <div class="uxdia-c-featured-tile__image"> <div data-asset-id="67b41c09-b8c3-4b39-8fbe-c960354c935d" id="image-fc8776e1aa" class="cmp-image uxdia-c-image" itemscope itemtype="http://schema.org/ImageObject"> <img class="uxdia-c-spinner" src='https://cdn.aarp.net/etc/uxdia/images/uxdia-spinner.svg' alt="spinner image"/> <picture class="articlelazy cmp-image__picture cmp-image__picture@tablet" data-loading="lazy"> <img class="cmp-image__image cmp-image__image@tablet" data-srcset="https://cdn.aarp.net/content/dam/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1659969291143_c/item_1659967770303_c_182155119/container_1827098909/moms_boyfriend_in_as_1891239431.coreimg.50.276.png/content/dam/aarp/uxdia/en/navigation-tiles/aarp-games-throwback-thursday-1140x655-02.png" data-src="https://cdn.aarp.net/content/dam/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1659969291143_c/item_1659967770303_c_182155119/container_1827098909/moms_boyfriend_in_as_1891239431.coreimg.50.276.png/content/dam/aarp/uxdia/en/navigation-tiles/aarp-games-throwback-thursday-1140x655-02.png" alt="Throwback Thursday Crossword and AARP Rewards" title="Play Throwback Thursday Crossword , an AARP Rewards Game" width="1140" height="655"/> </picture> <meta itemprop="caption" content="Play Throwback Thursday Crossword , an AARP Rewards Game"/> </div> </div> </a> <div class="uxdia-c-featured-tile__content-wrapper uxdia-c-featured-tile__article-content-wrapper uxdia-c-featured-tile__content-wrapper@tablet uxdia-c-featured-tile__content-wrapper@mobile"> <p class="uxdia-c-featured-tile__title uxdia-c-featured-tile__title@tablet uxdia-c-featured-tile__title@mobile uxdia-u-title-card uxdia-u-title-card@mobile"> <a class="uxdia-c-featured-tile__title_link uxdia-c-featured-tile__title_link@tablet uxdia-c-featured-tile__title_link@mobile" target="_blank" href='https://games.aarp.org/games/throwback-thursday-crossword'> Throwback Thursday Crossword</a> </p>   <div class="uxdia-c-featured-tile__button-section uxdia-c-featured-tile__button-section@tablet uxdia-c-featured-tile__button-section@mobile"> </div> </div> </div> </div>  </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div id="megamenu-c86cc6330f-item-8d2b7b3de7-tabpanel" aria-hidden="false" role="tabpanel" aria-labelledby="megamenu-c86cc6330f-item-8d2b7b3de7-tab" tabindex="0" class="cmp-tabs__tabpanel Travel " data-cmp-hook-tabs="tabpanel"><div class="responsivegrid uxdia-c-megamenu--wrapper uxdia-c-megamenu—wrapper@tablet uxdia-c-megamenu—wrapper@desktop"> <div 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A different privacy policy and terms of service will apply.');return false;" data-cmp-clickable data-cmp-data-layer="{"text-9087bfb3d9-link-53a0a17320":{ "xdm:linkURL" : "/content/aarpe/en/home/travel.html", "@type" : "uxdia/components/content/text/link", "dc:title" : "Travel" }}">Travel</a></p> </div> </div> <div class="text uxdia-c-megamenu--close uxdia-c-megamenu--close@tablet uxdia-c-megamenu--close@desktop aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0 aem-GridColumn--default--2"> <div id="text-9489f5812c" class="cmp-text"> <p><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" href='#' data-analyticsevent="LNK_CLK-CLOSE_MENU" data-formelementid="LNK_CLK-CLOSE_MENU" title="Link to close menu" data-cmp-clickable data-cmp-data-layer="{"text-9489f5812c-link-3e2a7ae417":{ "xdm:linkURL" : "#", "@type" : "uxdia/components/content/text/link", "dc:title" : "Close Menu" }}">Close Menu</a></p> </div> </div> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div id="container-774fc5038f" class="cmp-container" data-wcmmode="publish"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="text uxdia-c-button uxdia-c-button--secondary aem-GridColumn aem-GridColumn--default--12"> <div id="text-eb6cdf6c72" class="cmp-text"> <p><a href='/travel/travel-tips/' title="Link to travel tips page" data-analyticsevent="BTN_CLK-TRAVEL-TRAVEL_TIPS" data-formelementid="BTN_CLK-TRAVEL-TRAVEL_TIPS" data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. 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data-src="https://cdn.aarp.net/content/dam/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1659967770303_c/container_1827098909/featuredtile_517422145.coreimg.50.276.jpeg/content/dam/aarp/home-and-family/family-and-friends/2023/06/1140-sunrise-pinnacles-national-park-california.jpg" alt="high peaks and balconies cliffs in pinnacles national park" title="The High Peaks and Balconies Cliffs in Pinnacles National Park" width="1140" height="655"/> </picture> <meta itemprop="caption" content="The High Peaks and Balconies Cliffs in Pinnacles National Park"/> </div> </div> </a> <div class="uxdia-c-featured-tile__content-wrapper uxdia-c-featured-tile__article-content-wrapper uxdia-c-featured-tile__content-wrapper@tablet uxdia-c-featured-tile__content-wrapper@mobile"> <p class="uxdia-c-featured-tile__category uxdia-c-featured-tile__category@tablet uxdia-c-featured-tile__category@mobile">AARP National Park Guide</p> <p class="uxdia-c-featured-tile__title uxdia-c-featured-tile__title@tablet uxdia-c-featured-tile__title@mobile uxdia-u-title-card uxdia-u-title-card@mobile"> <a class="uxdia-c-featured-tile__title_link uxdia-c-featured-tile__title_link@tablet uxdia-c-featured-tile__title_link@mobile" target="_self" href='/travel/vacation-ideas/outdoors/info-2023/pinnacles-national-park.html'> Travel to Pinnacles in California</a> </p>   <div class="uxdia-c-featured-tile__button-section uxdia-c-featured-tile__button-section@tablet uxdia-c-featured-tile__button-section@mobile"> </div> </div> </div> </div>  </div> </div> </div> </div> </div> </div> </div> </div> <div id="megamenu-c86cc6330f-item-dd27f71d94-tabpanel" aria-hidden="false" role="tabpanel" aria-labelledby="megamenu-c86cc6330f-item-dd27f71d94-tab" tabindex="0" class="cmp-tabs__tabpanel More... 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A different privacy policy and terms of service will apply.');return false;" href='/entertainment/movies-for-grownups/' data-analyticsevent="BTN_CLK-TRAVEL-MOVIES_FOR_GROWNUPS" data-formelementid="BTN_CLK-TRAVEL-MOVIES_FOR_GROWNUPS" title="Link to movies laning page" data-cmp-clickable data-cmp-data-layer="{"text-42b04b42df-link-953dd9c712":{ "xdm:linkURL" : "/content/aarpe/en/home/entertainment/movies-for-grownups.html", "@type" : "uxdia/components/content/text/link", "dc:title" : "Movies" }}">Movies</a></p> </div> </div> <div class="text uxdia-c-button uxdia-c-button--secondary aem-GridColumn aem-GridColumn--default--12"> <div id="text-c69a265684" class="cmp-text"> <p><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" href='/entertainment/television/' data-analyticsevent="BTN_CLK-ENTERTAINMENT-TELEVISION" data-formelementid="BTN_CLK-ENTERTAINMENT-TELEVISION" title="Link to television landing page" data-cmp-clickable data-cmp-data-layer="{"text-c69a265684-link-84013e2657":{ "xdm:linkURL" : "/content/aarpe/en/home/entertainment/television.html", "@type" : "uxdia/components/content/text/link", "dc:title" : "TV" }}">TV</a></p> </div> </div> <div class="text uxdia-c-button uxdia-c-button--secondary aem-GridColumn aem-GridColumn--default--12"> <div id="text-b110f87145" class="cmp-text"> <p><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" href='/entertainment/music/' data-analyticsevent="BTN_CLK-ENTERTAINMENT-MUSIC" data-formelementid="BTN_CLK-ENTERTAINMENT-MUSIC" title="Link to the music landing page" data-cmp-clickable data-cmp-data-layer="{"text-b110f87145-link-730a302622":{ "xdm:linkURL" : "/content/aarpe/en/home/entertainment/music.html", "@type" : "uxdia/components/content/text/link", "dc:title" : "Music" }}">Music</a></p> </div> </div> <div class="text uxdia-c-button uxdia-c-button--secondary aem-GridColumn aem-GridColumn--default--12"> <div id="text-2ccb79ae3b" class="cmp-text"> <p><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" href='/entertainment/celebrities/' data-analyticsevent="BTN_CLK-ENTERTAINMENT-CELEBRITIES" data-formelementid="BTN_CLK-ENTERTAINMENT-CELEBRITIES" title="Link to the celebrity landing page" data-cmp-clickable data-cmp-data-layer="{"text-2ccb79ae3b-link-8e65771e49":{ "xdm:linkURL" : "/content/aarpe/en/home/entertainment/celebrities.html", "@type" : "uxdia/components/content/text/link", "dc:title" : "Celebrities" }}">Celebrities</a></p> </div> </div> <div class="text uxdia-c-button uxdia-c-button--secondary aem-GridColumn aem-GridColumn--default--12"> <div id="text-c6f6fdc211" class="cmp-text"> <p><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. 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Jackson Keeps Keeping On" target="_self"> <div class="uxdia-c-featured-tile__container uxdia-c-featured-tile__container@tablet uxdia-c-featured-tile__container@mobile"> <a href='/entertainment/celebrities/info-2024/samuel-l-jackson-interview.html' target="_self" class="uxdia-c-featured-tile__image-wrapper uxdia-c-featured-tile__image-wrapper@tablet uxdia-c-featured-tile__image-wrapper@mobile sharp-c-credit-photo-wrapper" title="Samuel L. 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A different privacy policy and terms of service will apply.');return false;" href='#' data-cmp-clickable data-cmp-data-layer="{"text-5428f5c7e5-link-86f1d73946":{ "xdm:linkURL" : "#", "@type" : "uxdia/components/content/text/link", "dc:title" : "Back" }}">Back </a></p> </div> </div> <div class="text uxdia-u-subtitle-1 uxdia-u-subtitle-1@mobile uxdia-c-megamenu--link uxdia-c-megamenu--link@tablet uxdia-c-megamenu--link@desktop aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div id="text-39efdc6c0a" class="cmp-text"> <p><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. 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A different privacy policy and terms of service will apply.');return false;" title="link to close menu" href='#' data-cmp-clickable data-cmp-data-layer="{"text-8a4752589f-link-9e6696831e":{ "xdm:linkURL" : "#", "@type" : "uxdia/components/content/text/link", "dc:title" : "Close Menu" }}">Close Menu</a></p> </div> </div> </div> </div> </div> <div class="container responsivegrid uxdia-c-four-pack-tiles__container uxdia-c-four-pack-tiles__container@tablet uxdia-c-four-pack-tiles__container@desktop uxdia-c-feature-tile-card aem-GridColumn aem-GridColumn--default--12"> <div id="container-d0e50ecd9c" class="cmp-container" data-wcmmode="publish"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="featuredTile articleimage image aem-GridColumn--default--none aem-GridColumn aem-GridColumn--offset--default--0 aem-GridColumn--default--4"><div class="uxdia-c-featured-tile-wrapper uxdia-c-featured-tile-wrapper@mobile " data-position="2" data-posID="2"> <div 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<p class="uxdia-c-featured-tile__category uxdia-c-featured-tile__category@tablet uxdia-c-featured-tile__category@mobile">Home Technology</p> <p class="uxdia-c-featured-tile__title uxdia-c-featured-tile__title@tablet uxdia-c-featured-tile__title@mobile uxdia-u-title-card uxdia-u-title-card@mobile"> <a class="uxdia-c-featured-tile__title_link uxdia-c-featured-tile__title_link@tablet uxdia-c-featured-tile__title_link@mobile" target="_self" href='/home-family/personal-technology/caregiving-smart-home-technology/'> Caregiver’s Guide to Smart Home Tech</a> </p>   <div class="uxdia-c-featured-tile__button-section uxdia-c-featured-tile__button-section@tablet uxdia-c-featured-tile__button-section@mobile"> </div> </div> </div> </div>  </div> </div> <div class="featuredTile articleimage image aem-GridColumn aem-GridColumn--default--12"><div class="uxdia-c-featured-tile-wrapper uxdia-c-featured-tile-wrapper@mobile "> <div class="uxdia-c-featured-tile-container-link" data-cmp-clickable tabindex="0" 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uxdia-c-featured-tile__title_link@mobile" target="_self" href='/social-connections/'> Creating Social Connections</a> </p>   <div class="uxdia-c-featured-tile__button-section uxdia-c-featured-tile__button-section@tablet uxdia-c-featured-tile__button-section@mobile"> </div> </div> </div> </div>  </div> </div> <div class="featuredTile articleimage image aem-GridColumn--default--none aem-GridColumn--offset--default--8 aem-GridColumn aem-GridColumn--default--1"><div class="uxdia-c-featured-tile-wrapper uxdia-c-featured-tile-wrapper@mobile " data-position="1" data-posID="1"> <div class="uxdia-c-featured-tile-container-link" data-cmp-clickable tabindex="0" href='https://local.aarp.org/virtual-community-center/tech-help/' data-formelementid="TILE_CLK-PERSONAL_TECH-VIRTUAL_COMM_CENTER" aria-label="Join Free Tech Help Events" target="_self"> <div class="uxdia-c-featured-tile__container uxdia-c-featured-tile__container@tablet uxdia-c-featured-tile__container@mobile"> <a href='https://local.aarp.org/virtual-community-center/tech-help/' target="_self" class="uxdia-c-featured-tile__image-wrapper uxdia-c-featured-tile__image-wrapper@tablet uxdia-c-featured-tile__image-wrapper@mobile sharp-c-credit-photo-wrapper" title="Join Free Tech Help Events"> <div class="uxdia-c-featured-tile__image"> <div data-asset-id="bebb4638-1dd7-4c2c-9d11-f9bbd2316d24" id="image-a7cd8764d1" class="cmp-image uxdia-c-image" itemscope itemtype="http://schema.org/ImageObject"> <img class="uxdia-c-spinner" src='https://cdn.aarp.net/etc/uxdia/images/uxdia-spinner.svg' alt="spinner image"/> <picture class="articlelazy cmp-image__picture cmp-image__picture@tablet" data-loading="lazy"> <img class="cmp-image__image cmp-image__image@tablet" 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data-src="https://cdn.aarp.net/content/dam/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1659969296513/responsivegrid/megamenu/item_1663662163919/item_1659967770303_c/container_1827098909/moms_boyfriend_in_as_1749540817.coreimg.50.276.jpeg/content/dam/aarp/money/scams_fraud/2015-04/1140-online-dating-safety-tips.jpg" alt="online dating safety tips" title="online dating safety tips" width="1140" height="655"/> </picture> <meta itemprop="caption" content="online dating safety tips"/> </div> </div> </a> <div class="uxdia-c-featured-tile__content-wrapper uxdia-c-featured-tile__article-content-wrapper uxdia-c-featured-tile__content-wrapper@tablet uxdia-c-featured-tile__content-wrapper@mobile"> <p class="uxdia-c-featured-tile__category uxdia-c-featured-tile__category@tablet uxdia-c-featured-tile__category@mobile">Virtual Community Center</p> <p class="uxdia-c-featured-tile__title uxdia-c-featured-tile__title@tablet uxdia-c-featured-tile__title@mobile uxdia-u-title-card uxdia-u-title-card@mobile"> <a class="uxdia-c-featured-tile__title_link uxdia-c-featured-tile__title_link@tablet uxdia-c-featured-tile__title_link@mobile" target="_self" href='https://local.aarp.org/virtual-community-center/tech-help/'> Join Free Tech Help Events</a> </p>   <div class="uxdia-c-featured-tile__button-section uxdia-c-featured-tile__button-section@tablet uxdia-c-featured-tile__button-section@mobile"> </div> </div> </div> </div>  </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div id="megamenu-1aa94df55d-item-a07ba5a3ef-tabpanel" aria-hidden="false" role="tabpanel" aria-labelledby="megamenu-1aa94df55d-item-a07ba5a3ef-tab" tabindex="0" class="cmp-tabs__tabpanel Home & Living " data-cmp-hook-tabs="tabpanel"><div class="responsivegrid"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="responsivegrid uxdia-c-megamenu--wrapper uxdia-c-megamenu—wrapper@tablet uxdia-c-megamenu—wrapper@desktop aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div id="container-a641a1ac9d" class="cmp-container" data-wcmmode="publish"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="text uxdia-c-megamenu-back--button nuxdia-c-megamenu-back--button@tablet uxdia-c-megamenu-back--button@desktop aem-GridColumn aem-GridColumn--default--12"> <div id="text-3ba837c318" class="cmp-text"> <p><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3.html,'','You are now leaving AARP.org and going to a website 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A different privacy policy and terms of service will apply.');return false;" href='#' data-cmp-clickable data-cmp-data-layer="{"text-3ba837c318-link-07c66329f0":{ "xdm:linkURL" : "#", "@type" : "uxdia/components/content/text/link", "dc:title" : "Back" }}">Back </a></p> </div> </div> <div class="text uxdia-u-subtitle-1 uxdia-u-subtitle-1@mobile uxdia-c-megamenu--link uxdia-c-megamenu--link@tablet uxdia-c-megamenu--link@desktop aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div id="text-2fad645683" class="cmp-text"> <p><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" href='/home-family/your-home/' data-analyticsevent="LNK_CLK-HOME_AND_LIVING" data-formelementid="LNK_CLK-HOME_AND_LIVING" title="link to your home landing page" data-cmp-clickable data-cmp-data-layer="{"text-2fad645683-link-5e2800aaaf":{ "xdm:linkURL" : "/content/aarpe/en/home/home-family/your-home.html", "@type" : "uxdia/components/content/text/link", "dc:title" : "Home & Living" }}">Home & Living</a></p> </div> </div> <div class="text uxdia-c-megamenu--close uxdia-c-megamenu--close@tablet uxdia-c-megamenu--close@desktop aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0 aem-GridColumn--default--2"> <div id="text-d3a8ddb3bf" class="cmp-text"> <p><a data-analyticsevent="LNK_CLK-CLOSE_MENU" data-formelementid="LNK_CLK-CLOSE_MENU" data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" title="link to close menu" href='#' data-cmp-clickable data-cmp-data-layer="{"text-d3a8ddb3bf-link-be63eff164":{ "xdm:linkURL" : "#", "@type" : "uxdia/components/content/text/link", "dc:title" : "Close Menu" }}">Close Menu</a></p> </div> </div> </div> </div> </div> <div class="container responsivegrid uxdia-c-four-pack-tiles__container uxdia-c-four-pack-tiles__container@tablet uxdia-c-four-pack-tiles__container@desktop uxdia-c-feature-tile-card aem-GridColumn aem-GridColumn--default--12"> <div id="container-8257dc53a5" class="cmp-container" data-wcmmode="publish"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="featuredTile articleimage image aem-GridColumn--default--none aem-GridColumn aem-GridColumn--offset--default--0 aem-GridColumn--default--4"><div class="uxdia-c-featured-tile-wrapper uxdia-c-featured-tile-wrapper@mobile " data-position="2" data-posID="2"> <div class="uxdia-c-featured-tile-container-link" data-cmp-clickable tabindex="0" href='/benefits-discounts/members-only-access/info-2024/smart-guide-aging-in-place.html' data-formelementid="TILE_CLK-HOME_AND_LIVING-CLEAN_IN_10_MIN" aria-label="What You Need to Know" target="_self"> <div class="uxdia-c-featured-tile__container uxdia-c-featured-tile__container@tablet uxdia-c-featured-tile__container@mobile"> <a href='/benefits-discounts/members-only-access/info-2024/smart-guide-aging-in-place.html' target="_self" class="uxdia-c-featured-tile__image-wrapper uxdia-c-featured-tile__image-wrapper@tablet uxdia-c-featured-tile__image-wrapper@mobile sharp-c-credit-photo-wrapper" title="What You Need to Know"> <div class="uxdia-c-featured-tile__image"> <div id="image-5c767d52fc" class="cmp-image uxdia-c-image" itemscope itemtype="http://schema.org/ImageObject"> <img class="uxdia-c-spinner" src='https://cdn.aarp.net/etc/uxdia/images/uxdia-spinner.svg' alt="spinner image"/> <picture class="articlelazy cmp-image__picture cmp-image__picture@tablet" data-loading="lazy"> <img class="cmp-image__image cmp-image__image@tablet" data-srcset="https://aarp.widen.net/content/jwuxwvdlr5/jpeg/1140-sg-aginginplace-promo.jpg?crop=true&anchor=0,0&q=80&color=ffffffff&u=k2e9ec&w=1140&h=655" data-src='https://aarp.widen.net/content/jwuxwvdlr5/jpeg/1140-sg-aginginplace-promo.jpg?crop=true&anchor=0,0&q=80&color=ffffffff&u=k2e9ec&w=1140&h=655' alt width="1140" height="655"/> </picture> </div> </div> <div class="uxdia-info_mb-card"> <span class="uxdia-info_lock-icon"></span> <span class="uxdia-info_mb-text">MEMBERS ONLY</span> </div> </a> <div class="uxdia-c-featured-tile__content-wrapper uxdia-c-featured-tile__article-content-wrapper uxdia-c-featured-tile__content-wrapper@tablet uxdia-c-featured-tile__content-wrapper@mobile"> <p class="uxdia-c-featured-tile__category uxdia-c-featured-tile__category@tablet uxdia-c-featured-tile__category@mobile">Age in Place</p> <p class="uxdia-c-featured-tile__title uxdia-c-featured-tile__title@tablet uxdia-c-featured-tile__title@mobile uxdia-u-title-card uxdia-u-title-card@mobile"> <a class="uxdia-c-featured-tile__title_link uxdia-c-featured-tile__title_link@tablet uxdia-c-featured-tile__title_link@mobile" target="_self" href='/benefits-discounts/members-only-access/info-2024/smart-guide-aging-in-place.html'> What You Need to Know</a> </p>   <div class="uxdia-c-featured-tile__moa-badge-wrapper uxdia-c-featured-tile__moa-badge-wrapper@tablet uxdia-c-featured-tile__moa-badge-wrapper@mobile"> <span class="uxdia-c-featured-tile__moa-badge-icon"></span><span class="uxdia-c-featured-tile__moa-badge-title">MEMBERS ONLY</span> </div> <div class="uxdia-c-featured-tile__button-section uxdia-c-featured-tile__button-section@tablet uxdia-c-featured-tile__button-section@mobile"> </div> </div> </div> </div>  </div> </div> <div class="featuredTile articleimage image aem-GridColumn--default--none aem-GridColumn--offset--default--8 aem-GridColumn 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uxdia-c-featured-tile__button-section@mobile"> </div> </div> </div> </div>  </div> </div> <div class="featuredTile articleimage image aem-GridColumn aem-GridColumn--default--12"><div class="uxdia-c-featured-tile-wrapper uxdia-c-featured-tile-wrapper@mobile " data-position="1" data-posID="1"> <div class="uxdia-c-featured-tile-container-link" data-cmp-clickable tabindex="0" href='/benefits-discounts/members-only-access/info-2024/dollar-store-shopping-tips.html' data-formelementid="TILE_CLK-HOME_AND_LIVING-MOA-HOME_CURB_APPEAL" aria-label="Dollar Store Do’s and Don’ts" target="_self"> <div class="uxdia-c-featured-tile__container uxdia-c-featured-tile__container@tablet uxdia-c-featured-tile__container@mobile"> <a href='/benefits-discounts/members-only-access/info-2024/dollar-store-shopping-tips.html' target="_self" class="uxdia-c-featured-tile__image-wrapper uxdia-c-featured-tile__image-wrapper@tablet uxdia-c-featured-tile__image-wrapper@mobile sharp-c-credit-photo-wrapper" title="Dollar 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<h1 id="article-title" tabindex="0" aria-label="Understanding Long-Term Care Insurance">Understanding Long-Term Care Insurance</h1> </div> <div class="cmp-contentfragment__element cmp-contentfragment__element--articleSubTitle " data-cmp-contentfragment-element-type="string"> <h2 id="article-subtitle" tabindex="0" aria-label="Coverage basics, premium costs and policy options to make an informed decision">Coverage basics, premium costs and policy options to make an informed decision</h2> </div> </div> </div> <div class="coreSeperator parbase"> <hr class="aarp-c-seperator--light-border" style="border-color: #D5D5D5; border-top-width: 1px;"/> </div> <div class="articlecontentfragment contentfragment"> <div class="cmp-contentfragment cmp-contentfragment--understanding-long-term-care-insurance" data-cmp-contentfragment-model="uxdia/models/content-experience-article-content-fragment" 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style="text-align: center;">In this story</h4> <p style="text-align: center;"><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/dam/content-fragments/aarp-org/en/article/caregiving/financial-legal/Callout-V2-Article-CF/understanding-long-term-care-insurance.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" href='#assistance-needed'>Getting more assistance</a> • <a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/dam/content-fragments/aarp-org/en/article/caregiving/financial-legal/Callout-V2-Article-CF/understanding-long-term-care-insurance.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" href='#why-plan'>Create a plan</a> • <a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/dam/content-fragments/aarp-org/en/article/caregiving/financial-legal/Callout-V2-Article-CF/understanding-long-term-care-insurance.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. 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A different privacy policy and terms of service will apply.');return false;" href='#buy-or-not'>Buy or not?</a></p> </div> </div> </div> <div class="articlecontentfragment contentfragment uxdia-article-body uxdia-article-body@tablet uxdia-article-body@mobile aem-GridColumn--tablet--12 aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--phone--0"> <div class="cmp-contentfragment cmp-contentfragment--understanding-long-term-care-insurance" data-cmp-contentfragment-model="uxdia/models/content-experience-article-content-fragment" data-cmp-contentfragment-path="/content/dam/content-fragments/aarp-org/en/article/caregiving/financial-legal/Callout-V2-Article-CF/understanding-long-term-care-insurance"> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> <div> <p><span class="scroll-arrow" id="assistance-needed">A fact of life</span>: Someday you may need long-term care.</p> <div> <div class="aem-Grid 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</div> <input type="hidden" id="hostName" class="hostName" value="cdn.aarp.net"/> <input type="hidden" id="hideCategory" class="hideCategory" value="true"/> <input type="hidden" id="hideDescription" class="hideDescription"/> <input type="hidden" id="events" class="events" value=""/> <input type="hidden" id="products" class="products" value=""/> <input type="hidden" id="region" class="region" value=""/> <input type="hidden" id="apiUrl" class="apiUrl" value="https://ggfi3szd85.execute-api.us-east-1.amazonaws.com/prod/palantir-services/getActions"/> <input type="hidden" id="aarpDomain" class="aarpDomain" value="https://www.aarp.org"/> <input type="hidden" id="requestCategory" class="requestCategory"/> <input type="hidden" id="requestCardCount" class="requestCardCount"/> <input type="hidden" id="advertisementDisplayOrder" class="advertisementDisplayOrder" value="5"/> <input type="hidden" id="variant" class="variant" value="inline"/> <input type="hidden" id="analyticsId" class="analyticsId"/> <input type="hidden" id="model" class="model" name="model" value=""/> <input type="hidden" class="txId" name="txId" value=""/> <input type="hidden" class="nSocial"/> <input type="hidden" class="nCommercial"/> <input type="hidden" class="eventsFrom" name="eventsFrom"/> <input type="hidden" class="eventsTill" name="eventsTill"/> <input type="hidden" class="actionClassInclusion" name="actionClassInclusion"/> <input type="hidden" class="actionClassExclusion" name="actionClassExclusion"/> <input type="hidden" class="actionCategoryExclusion" name="actionCategoryExclusion"/></div> </div></div> </div> </div> </div> <div class="articlecontentfragment contentfragment aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-contentfragment cmp-contentfragment--understanding-long-term-care-insurance" data-cmp-contentfragment-model="uxdia/models/content-experience-article-content-fragment" data-cmp-contentfragment-path="/content/dam/content-fragments/aarp-org/en/article/caregiving/financial-legal/Callout-V2-Article-CF/understanding-long-term-care-insurance"> </div> </div> <div class="articlecontentfragment contentfragment aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-contentfragment cmp-contentfragment--understanding-long-term-care-insurance" data-cmp-contentfragment-model="uxdia/models/content-experience-article-content-fragment" data-cmp-contentfragment-path="/content/dam/content-fragments/aarp-org/en/article/caregiving/financial-legal/Callout-V2-Article-CF/understanding-long-term-care-insurance"> </div> </div> <div class="articlecontentfragment contentfragment aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-contentfragment cmp-contentfragment--understanding-long-term-care-insurance" data-cmp-contentfragment-model="uxdia/models/content-experience-article-content-fragment" data-cmp-contentfragment-path="/content/dam/content-fragments/aarp-org/en/article/caregiving/financial-legal/Callout-V2-Article-CF/understanding-long-term-care-insurance"> </div> </div> </div> </div> <p>One option to pay for such services is long-term care (LTC) insurance. But before you sign up for a policy, you have a lot to learn. The market has changed greatly in recent years.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="articlecontentfragment contentfragment aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-contentfragment cmp-contentfragment--understanding-long-term-care-insurance" data-cmp-contentfragment-model="uxdia/models/content-experience-article-content-fragment" data-cmp-contentfragment-path="/content/dam/content-fragments/aarp-org/en/article/caregiving/financial-legal/Callout-V2-Article-CF/understanding-long-term-care-insurance"> </div> </div> <div class="articlecontentfragment contentfragment aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-contentfragment cmp-contentfragment--understanding-long-term-care-insurance" data-cmp-contentfragment-model="uxdia/models/content-experience-article-content-fragment" data-cmp-contentfragment-path="/content/dam/content-fragments/aarp-org/en/article/caregiving/financial-legal/Callout-V2-Article-CF/understanding-long-term-care-insurance"> </div> </div> </div> </div> <p>Most notably, many of these policies have gotten more expensive for both new and existing policyholders, and the options have changed. More people are choosing policies that combine long-term care with other benefits.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="articlecontentfragment contentfragment aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-contentfragment cmp-contentfragment--understanding-long-term-care-insurance" data-cmp-contentfragment-model="uxdia/models/content-experience-article-content-fragment" data-cmp-contentfragment-path="/content/dam/content-fragments/aarp-org/en/article/caregiving/financial-legal/Callout-V2-Article-CF/understanding-long-term-care-insurance"> </div> </div> <div class="articlecontentfragment contentfragment aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-contentfragment cmp-contentfragment--understanding-long-term-care-insurance" data-cmp-contentfragment-model="uxdia/models/content-experience-article-content-fragment" data-cmp-contentfragment-path="/content/dam/content-fragments/aarp-org/en/article/caregiving/financial-legal/Callout-V2-Article-CF/understanding-long-term-care-insurance"> </div> </div> </div> </div> <p>Here’s what you need to know.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="articlecontentfragment contentfragment aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-contentfragment cmp-contentfragment--understanding-long-term-care-insurance" data-cmp-contentfragment-model="uxdia/models/content-experience-article-content-fragment" data-cmp-contentfragment-path="/content/dam/content-fragments/aarp-org/en/article/caregiving/financial-legal/Callout-V2-Article-CF/understanding-long-term-care-insurance"> </div> </div> <div class="articlecontentfragment contentfragment aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-contentfragment cmp-contentfragment--understanding-long-term-care-insurance" data-cmp-contentfragment-model="uxdia/models/content-experience-article-content-fragment" data-cmp-contentfragment-path="/content/dam/content-fragments/aarp-org/en/article/caregiving/financial-legal/Callout-V2-Article-CF/understanding-long-term-care-insurance"> </div> </div> </div> </div> <h3><span class="scroll-arrow" id="why-plan">Why plan for long-term care?</span></h3> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="articlecontentfragment contentfragment aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-contentfragment cmp-contentfragment--understanding-long-term-care-insurance" data-cmp-contentfragment-model="uxdia/models/content-experience-article-content-fragment" data-cmp-contentfragment-path="/content/dam/content-fragments/aarp-org/en/article/caregiving/financial-legal/Callout-V2-Article-CF/understanding-long-term-care-insurance"> </div> </div> </div> </div> <p>About 49 percent of men and 64 percent of women reaching age 65 today will need significant long-term care during their remaining years, according to a 2022 study from the federal <a href='https://aspe.hhs.gov/sites/default/files/documents/08b8b7825f7bc12d2c79261fd7641c88/ltss-risks-financing-2022.pdf' target="_blank" data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/dam/content-fragments/aarp-org/en/article/caregiving/financial-legal/Callout-V2-Article-CF/understanding-long-term-care-insurance.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" data-default-element-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/dam/content-fragments/aarp-org/en/article/caregiving/financial-legal/Callout-V2-Article-CF/understanding-long-term-care-insurance.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" data-displayoverlay="displayOverlay" title="read the HHS study" rel="noreferrer">Department of Health and Human Services</a> (HHS). Although many people will get by with <a href='/caregiving/financial-legal/info-2024/credit-caring-act.html' data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/dam/content-fragments/aarp-org/en/article/caregiving/financial-legal/Callout-V2-Article-CF/understanding-long-term-care-insurance.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" title="how Credit Caring Act could help caregivers">unpaid care from family members</a> and others, nearly half will need some paid assistance.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="articlecontentfragment contentfragment aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-contentfragment cmp-contentfragment--understanding-long-term-care-insurance" data-cmp-contentfragment-model="uxdia/models/content-experience-article-content-fragment" data-cmp-contentfragment-path="/content/dam/content-fragments/aarp-org/en/article/caregiving/financial-legal/Callout-V2-Article-CF/understanding-long-term-care-insurance"> </div> </div> <div class="articlecontentfragment contentfragment uxdia-c-article-callout-box--bg-color-off-white uxdia-c-article-callout-box--half-width@tablet-desktop uxdia-c-article-callout-box--half-width@mobile uxdia-c-article-callout-box--pull-right@tablet-desktop uxdia-c-article-callout-box--pull-right@tablet uxdia-c-article-callout-box--margin-left@desktop uxdia-c-article-callout-box--margin-left@tablet uxdia-c-article-callout-box uxdia-c-article-callout-box@tablet uxdia-c-article-callout-box@mobile aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--12 aem-GridColumn--offset--phone--0"> <div class="cmp-contentfragment cmp-contentfragment--understanding-long-term-care-insurance" data-cmp-contentfragment-model="uxdia/models/content-experience-article-content-fragment" data-cmp-contentfragment-path="/content/dam/content-fragments/aarp-org/en/article/caregiving/financial-legal/Callout-V2-Article-CF/understanding-long-term-care-insurance"> <div class="cmp-contentfragment__element cmp-contentfragment__element--callOutBoxTwo uxdia-c-article-callout " data-cmp-contentfragment-element-type="string"> <h4>Long-term care insurance</h4> <ul> <li><a href='/caregiving/financial-legal/info-2021/understanding-long-term-care-insurance.html' title="understanding long term care insurance">Understanding the options</a></li> <li><a href='/caregiving/financial-legal/info-2019/when-to-buy-long-term-care-insurance.html' title="when to buy long term care insurance">Best time to buy</a></li> <li><a href='/caregiving/financial-legal/info-2024/long-term-care-claims.html' title="long term care claims">Filing a claim on a policy</a></li> <li><a href='/money/investing/info-2023/long-term-care-insurance-rate-hikes.html' title="long term care insurance rate hikes">One man’s rate headache</a></li> <li><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/dam/content-fragments/aarp-org/en/article/caregiving/financial-legal/Callout-V2-Article-CF/understanding-long-term-care-insurance.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" title="long term care insurance quiz" href='/caregiving/basics/info-2022/long-term-care-insurance-quiz.html'>Quiz: Test your knowledge</a></li> </ul> </div> </div> </div> </div> </div> <p>About 14 percent will need more than two years of paid care. The average cost will be $120,900, HHS says.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="articlecontentfragment contentfragment aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-contentfragment cmp-contentfragment--understanding-long-term-care-insurance" data-cmp-contentfragment-model="uxdia/models/content-experience-article-content-fragment" data-cmp-contentfragment-path="/content/dam/content-fragments/aarp-org/en/article/caregiving/financial-legal/Callout-V2-Article-CF/understanding-long-term-care-insurance"> </div> </div> </div> </div> <p>But individual costs will vary greatly, depending on how long you require care, where you live and how intense your needs are. The ways to pay for services vary too.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="articlecontentfragment contentfragment aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-contentfragment cmp-contentfragment--understanding-long-term-care-insurance" data-cmp-contentfragment-model="uxdia/models/content-experience-article-content-fragment" data-cmp-contentfragment-path="/content/dam/content-fragments/aarp-org/en/article/caregiving/financial-legal/Callout-V2-Article-CF/understanding-long-term-care-insurance"> </div> </div> </div> </div> <p>Traditional Medicare, the public health insurance program for people 65 and older and disabled individuals who are younger, <a href='/health/medicare-qa-tool/current-long-term-nursing-home-coverage/' data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/dam/content-fragments/aarp-org/en/article/caregiving/financial-legal/Callout-V2-Article-CF/understanding-long-term-care-insurance.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" title="Medicare questions answered">doesn’t cover long-term care</a> beyond some <a href='/caregiving/financial-legal/info-2019/medicare-home-health-care-benefits.html' data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/dam/content-fragments/aarp-org/en/article/caregiving/financial-legal/Callout-V2-Article-CF/understanding-long-term-care-insurance.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" title="Medicare coverage of caregiver costs and services">skilled care right after hospitalization</a> for an injury or illness. Some Medicare Advantage plans from private insurers offer limited supplemental coverage for <a href='/health/medicare-qa-tool/does-medicare-offer-grocery-allowance/' data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/dam/content-fragments/aarp-org/en/article/caregiving/financial-legal/Callout-V2-Article-CF/understanding-long-term-care-insurance.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" title="Medicare and grocery allowances">services like meal delivery</a> and rides to medical appointments.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="articlecontentfragment contentfragment aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-contentfragment cmp-contentfragment--understanding-long-term-care-insurance" data-cmp-contentfragment-model="uxdia/models/content-experience-article-content-fragment" data-cmp-contentfragment-path="/content/dam/content-fragments/aarp-org/en/article/caregiving/financial-legal/Callout-V2-Article-CF/understanding-long-term-care-insurance"> </div> </div> </div> </div> <p><a href='/home-family/voices/veterans/info-2022/va-extends-caregiving-programs.html' data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/dam/content-fragments/aarp-org/en/article/caregiving/financial-legal/Callout-V2-Article-CF/understanding-long-term-care-insurance.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" title="about VA caregiving programs">Veterans may access long-term care</a> through the U.S. Department of Veterans Affairs.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="articlecontentfragment contentfragment aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-contentfragment cmp-contentfragment--understanding-long-term-care-insurance" data-cmp-contentfragment-model="uxdia/models/content-experience-article-content-fragment" data-cmp-contentfragment-path="/content/dam/content-fragments/aarp-org/en/article/caregiving/financial-legal/Callout-V2-Article-CF/understanding-long-term-care-insurance"> </div> </div> </div> </div> </div> </div> </div> <article class="container responsivegrid uxdia-o-article-rail uxdia-o-article-rail@laptop uxdia-c-restricted-access aem-GridColumn--tablet--12 aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8"> <div 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A different privacy policy and terms of service will apply.');return false;" title="privacy policy link" data-analyticsevent="NAW-NEWSLT-LNK_CLK-DEFAULT-SEE_ALL_NEWSLETTERS-EN" data-formelementid="NAW-NEWSLT-LNK_CLK-DEFAULT-SEE_ALL_NEWSLETTERS-EN" data-cmp-clickable data-cmp-data-layer="{"text-a62925ef2d-link-0998bc7dce":{ "xdm:linkURL" : "/content/aarpe/en/home/about-aarp/privacy-policy.html", "@type" : "uxdia/components/content/text/link", "dc:title" : "Privacy Policy" }}">Privacy Policy</a></p> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div></div> </div> </div> </div> </div> </div> </section> </div> </div> </div> <div class="container responsivegrid uxdia-c-full-width-ads uxdia-c-full-width-ads@tablet uxdia-c-full-width-ads@mobile uxdia-o-full-width-ads uxdia-o-full-width-ads-in-view uxdia-c-restricted-access aem-GridColumn aem-GridColumn--default--12"> <div id="container-2c7b093380" class="cmp-container" data-wcmmode="publish"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="advertisement parbase aem-GridColumn aem-GridColumn--default--12"> <div aria-hidden="true" class="aarpe-ad-wrapper"> <p class="aarpe-ad-messaging aarpe-ad-messaging@desktop aarpe-ad-messaging@mobile"><span class="aarpe-ad-message">ARTICLE CONTINUES AFTER ADVERTISEMENT</span></p> <div class="aarpe-ad en clearfix" id="970x250_67413" data-adsize="970x250"> <script type="text/javascript"> if(typeof AARP.ads !== 'undefined'){ AARP.ads.slots({ id:'970x250_67413', size:'970x250'}); } </script> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid uxdia-u-bg-marquee-no-image--container uxdia-u-bg-marquee-no-image--container@mobile uxdia-o-grid-container uxdia-article-body__adjust-mobile-layout@mobile uxdia-o-grid-container@tablet uxdia-o-grid-container@laptop uxdia-o-grid-container@large-laptop uxdia-o-grid-container@larger-laptop uxdia-action-widget-position__container uxdia-action-widget-position__container@laptop uxdia-action-widget-position__container@mobile aem-GridColumn aem-GridColumn--default--12"> <div id="container-38f262828e" class="cmp-container" data-wcmmode="publish"> <div class="aem-Grid aem-Grid--12 aem-Grid--tablet--12 aem-Grid--default--12 aem-Grid--phone--12 "> <article class="container responsivegrid uxdia-o-article-rail uxdia-o-article-rail@laptop uxdia-c-restricted-access aem-GridColumn--tablet--12 aem-GridColumn--offset--tablet--0 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn--tablet--none aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div id="container-8551b4b724" class="cmp-container" data-wcmmode="publish"> <div class="aem-Grid aem-Grid--8 aem-Grid--tablet--12 aem-Grid--default--8 aem-Grid--phone--12 "> <div class="articlecontentfragment contentfragment uxdia-article-body uxdia-article-body@tablet uxdia-article-body@mobile aem-GridColumn--tablet--12 aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--phone--0"> <div class="cmp-contentfragment cmp-contentfragment--understanding-long-term-care-insurance" data-cmp-contentfragment-model="uxdia/models/content-experience-article-content-fragment" data-cmp-contentfragment-path="/content/dam/content-fragments/aarp-org/en/article/caregiving/financial-legal/Callout-V2-Article-CF/understanding-long-term-care-insurance"> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> <div> <p>Some may qualify for <a href='/caregiving/health/info-2022/medicare-medicaid-long-term-care.html' data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/dam/content-fragments/aarp-org/en/article/caregiving/financial-legal/Callout-V2-Article-CF/understanding-long-term-care-insurance.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" title="Medicare, Medicaid and long-term care">help through Medicaid</a>, the joint federal and state program that covers low-income Americans. Although income limits vary by state, you typically can’t get Medicaid unless you have exhausted most of your savings and other assets beyond your primary home and vehicle.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="articlecontentfragment contentfragment aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-contentfragment cmp-contentfragment--understanding-long-term-care-insurance" data-cmp-contentfragment-model="uxdia/models/content-experience-article-content-fragment" data-cmp-contentfragment-path="/content/dam/content-fragments/aarp-org/en/article/caregiving/financial-legal/Callout-V2-Article-CF/understanding-long-term-care-insurance"> </div> </div> </div> </div> <h3><span class="scroll-arrow" id="who-pays">Who pays for long-term care?</span></h3> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="articlecontentfragment contentfragment aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-contentfragment cmp-contentfragment--understanding-long-term-care-insurance" data-cmp-contentfragment-model="uxdia/models/content-experience-article-content-fragment" data-cmp-contentfragment-path="/content/dam/content-fragments/aarp-org/en/article/caregiving/financial-legal/Callout-V2-Article-CF/understanding-long-term-care-insurance"> </div> </div> </div> </div> <p>Confusion about who pays is common: Nearly half of adults age 65 and older incorrectly think Medicare would pay if they needed a long stay in a nursing home, according to a survey from <a href='https://www.kff.org/health-costs/poll-finding/the-affordability-of-long-term-care-and-support-services/' target="_blank" data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/dam/content-fragments/aarp-org/en/article/caregiving/financial-legal/Callout-V2-Article-CF/understanding-long-term-care-insurance.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" data-default-element-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/dam/content-fragments/aarp-org/en/article/caregiving/financial-legal/Callout-V2-Article-CF/understanding-long-term-care-insurance.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" data-displayoverlay="displayOverlay" title="KFF survey results" rel="noreferrer">the nonprofit KFF</a>, formerly known as the Kaiser Family Foundation. In the same survey, 90 percent of adults said paying for one year of nursing home care would be impossible or very difficult for them or their families.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="articlecontentfragment contentfragment aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-contentfragment cmp-contentfragment--understanding-long-term-care-insurance" data-cmp-contentfragment-model="uxdia/models/content-experience-article-content-fragment" data-cmp-contentfragment-path="/content/dam/content-fragments/aarp-org/en/article/caregiving/financial-legal/Callout-V2-Article-CF/understanding-long-term-care-insurance"> </div> </div> </div> </div> <p>The gap between potential needs and ready money is where long-term care insurance comes in. But it’s not the only solution.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="articlecontentfragment contentfragment aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-contentfragment cmp-contentfragment--understanding-long-term-care-insurance" data-cmp-contentfragment-model="uxdia/models/content-experience-article-content-fragment" data-cmp-contentfragment-path="/content/dam/content-fragments/aarp-org/en/article/caregiving/financial-legal/Callout-V2-Article-CF/understanding-long-term-care-insurance"> </div> </div> </div> </div> <p>“Everyone needs a long-term care plan,” says Ryan Graham, a managing adviser at Altfest Personal Wealth Management in New York City. “That doesn’t mean everyone needs long-term care insurance.”</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="uxdiaCacheableXF experiencefragment aem-GridColumn aem-GridColumn--default--12"><div data-cmp-paywall-titleCheck="false" 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id="care-insurance">What is traditional long-term care insurance?</span></h3> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> <p>Data the National Association of Insurance Commissioners (NAIC) collected from insurers shows that in 2022 traditional long-term care policies covered about 6.1 million Americans. The number includes people who bought the policies decades ago.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> <p>These traditional LTC policies work much like policies for auto or home insurance: You pay premiums, usually for as long as the policy is in effect, and make claims if you ever need the covered services.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> <p>Because the premiums are ongoing, they can, with the permission of state regulators, rise over time.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> <p>But if you stop paying the premiums before the need arises, you usually lose the coverage. And if you never use the coverage, the insurance company keeps and invests your money to pay for other people’s claims and earn profits.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> <p>“It’s use it or lose it,” Graham says.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="articlecontentfragment contentfragment aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-contentfragment cmp-contentfragment--understanding-long-term-care-insurance" data-cmp-contentfragment-model="uxdia/models/content-experience-article-content-fragment" data-cmp-contentfragment-path="/content/dam/content-fragments/aarp-org/en/article/caregiving/financial-legal/Callout-V2-Article-CF/understanding-long-term-care-insurance"> <div class="cmp-contentfragment__element cmp-contentfragment__element--videoPlayerOne uxdia-c-brightcove-video uxdia-c-brightcove-video@mobile " data-cmp-contentfragment-element-type="string"> <div> <div id="brightcove-component-wrap-1593833646" class="brc-align-center"> <div class="cq-dd-brightcove_player md-dropzone-video drop-target-player" data-emptytext="Add Player Here"> <div class="player-embed-wrap"> <div id="container-1593833646" class="brightcove-container"> <video-js id="video-1593833646" data-embed="default" data-policy="BCpkADawqM09PMxQPviqG9eNzMTiY24kwPFhGJjyPnmSurMOMB3lPmg-810TDUl-ekT0Ga1Ac20xHfkoUjcnqldAECFLqu0btfg-RlaYSAb9zMld0ttVwY5Q7Mi7S6jiGbQCs5CkogFa6sJWyrmFCLzKwwXY-aJ4Kjnzw6dgXnCAKBrEnswPbG2ZPOU9Q9GfiDLWeMq96SgH00Ioxm3pCP9XnfWviN1jqt8fhSlQAlHDu7B9UbStU5xwyGW6lqEu84LkQsbsxC5p-PbNFUMenIQBcxeoc8w0m18o6knLIT3kRAvK_T2ud0UPmFPy44DSffQHktDzmfbFfDf9zvD9AkDgIN33T-2I7p8T4NrtoMQayZv-jTVVLg3aygp8mVIAolW4bb2T54GjmE1LwnOoYRDwARhrgAoREylFZv7UHMC28pYWY5l-p0NXAIGW0ZPb4_CfjwCROoifkZunAc2xkWmNGK9vurM7s9fD-vYLCpqGHUwvPs108H5CABiQSXqC050XlCvt5hHJARc_Rg-rqpi2f8HXDQw6Xg0ZR6STlTrDqBgnY_w3OolBkMW67GCM40iPPmKYY5DpOdM_kArqZQJVENdEzLmNq8_o_ycwUWZ31MnfMOiqOd4RUNU3EbJ32qnDPiOwW9FIyZGm_G5NZZYyGq11QG99r40iAbLM71WcWPamJDDIs7tvAt9yVFPD9YH-brs2lPZg1fOgT3isJ7LwcQjSinzTHzJQLB7TWozqkK4sQvgf0gfi0lVd65kNO6RaNbzI2FiOgC69ujY08Jcabcqx6s5IQWSI3KPsgsLAfC2ZH7Zo2aMMusoYGjl_0K6nde9WbV52FoJW" class="video-js" controls> </video-js> </div> </div> </div> </div> <script type="text/javascript"> var sibling = document.querySelector("#brightcove-component-wrap-1593833646"); AARP.Foundation.LazyExecutionOnElementVisible( sibling, function() { // waiting for window.s_gi max for 1 seconds otherwise load the brightcove video var poll = 0; var isAnalyticObjLoaded = setInterval(function(){ if (window.s_gi || ++poll == 4) { AARP.Externals.attachAsyncDependency({ id: 'brightcove-S1ZZK6MHBb', url: 'https:\/\/players.brightcove.net\/3772599298001\/S1ZZK6MHBb_default\/index.min.js', success: function() { // Lazy video instantiation var video = document.querySelector('#video-1593833646'); var videoId = '6097407967001'.trim(); var playlistId = ''; var playerId = 'S1ZZK6MHBb'; video.setAttribute('data-account', '3772599298001'); if (playerId) { video.setAttribute('data-player', playerId); } if (playlistId) { video.setAttribute('data-playlist-id', playlistId); } else { video.setAttribute('data-video-id', videoId); } var player = bc(video); if (player.errors) { var errorsListed = player.errors.getAll(); var customError = { "-2": { "headline": "This video could not be loaded.", "type": "NETWORK ISSUE", "message": "This happens either because your network is disconnected or not performing well enough to support this content. 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These are known as hybrid or linked-benefit policies. Combination policies covered nearly 900,000 Americans in 2022, according to NAIC.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> <p>While in some cases, you’ll pay an ongoing monthly premium for such policies, many work like this: You pay one lump sum or a fixed amount broken into several annual payments, eliminating the risk of rising premiums.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> <p>In return, you get long-term care coverage, along with some amount of life insurance that will go to your heirs if you never use the long-term care benefits. The life insurance payout is reduced or eliminated if you do use long-term care benefits.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> <p>The policy may also allow you to take back your full payment within the first few years if you decide you no longer want the coverage.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> <p>The hybrid policies “address a nagging concern for a lot of people, ... which is that I could pay into this thing for years and never need it,” says Christine Benz, director of personal finance at the Chicago-based financial services firm Morningstar. One way or another, you get a benefit.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> <p>But that guarantee costs you. Hybrid policies are more expensive than traditional.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> <p>And the life insurance payouts tend to be modest unless you attach long-term care to a larger, more expensive permanent life insurance policy, Altfest’s Graham says.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> </div> </div> </div> </div> </div> </article> <section class="container responsivegrid uxdia-o-right-rail uxdia-o-right-rail@laptop aem-GridColumn--tablet--12 aem-GridColumn--offset--tablet--0 aem-GridColumn--phone--hide aem-GridColumn--default--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0 aem-GridColumn--default--4 aem-GridColumn--tablet--hide"> <div id="container-abba2b9539" class="cmp-container" data-wcmmode="publish"> <div class="aem-Grid aem-Grid--4 aem-Grid--tablet--12 aem-Grid--default--4 aem-Grid--phone--12 "> <div class="advertisement parbase aem-GridColumn--tablet--12 aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--4"> <div aria-hidden="true" class="aarpe-ad-wrapper"> <div class="aarpe-ad en clearfix" id="300x0_45271" data-adsize="300x0"> <script type="text/javascript"> if(typeof AARP.ads !== 'undefined'){ AARP.ads.slots({ id:'300x0_45271', size:'300x0'}); 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} </script> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid uxdia-u-bg-marquee-no-image--container uxdia-u-bg-marquee-no-image--container@mobile uxdia-o-grid-container uxdia-article-body__adjust-mobile-layout@mobile uxdia-o-grid-container@tablet uxdia-o-grid-container@laptop uxdia-o-grid-container@large-laptop uxdia-o-grid-container@larger-laptop uxdia-action-widget-position__container uxdia-action-widget-position__container@laptop uxdia-action-widget-position__container@mobile aem-GridColumn aem-GridColumn--default--12"> <div id="container-e13595b8ba" class="cmp-container" data-wcmmode="publish"> <div class="aem-Grid aem-Grid--12 aem-Grid--tablet--12 aem-Grid--default--12 aem-Grid--phone--12 "> <article class="container responsivegrid uxdia-o-article-rail uxdia-o-article-rail@laptop uxdia-c-restricted-access aem-GridColumn--tablet--12 aem-GridColumn--offset--tablet--0 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn--tablet--none aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div id="container-d5d214ee35" class="cmp-container" data-wcmmode="publish"> <div class="aem-Grid aem-Grid--8 aem-Grid--tablet--12 aem-Grid--default--8 aem-Grid--phone--12 "> <div class="articlecontentfragment contentfragment aem-GridColumn--tablet--12 aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--phone--0"> </div> <div class="articlecontentfragment contentfragment uxdia-article-body uxdia-article-body@tablet uxdia-article-body@mobile aem-GridColumn--tablet--12 aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--phone--0"> <div class="cmp-contentfragment cmp-contentfragment--understanding-long-term-care-insurance" data-cmp-contentfragment-model="uxdia/models/content-experience-article-content-fragment" data-cmp-contentfragment-path="/content/dam/content-fragments/aarp-org/en/article/caregiving/financial-legal/Callout-V2-Article-CF/understanding-long-term-care-insurance"> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> <div> <h3><span class="scroll-arrow" id="policy-details">How does long-term care insurance work?</span></h3> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> <p>LTC policies may limit what conditions they cover. For example, denying care for alcoholism, drug addiction or war injuries is not unusual.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> <p>A preexisting condition, such as heart disease or a past cancer diagnosis, may not stop you from getting a policy. But the policy may not cover care related to that condition for some period after it goes into effect.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> <p>Generally, you are eligible for benefits once you can no longer perform a set number of the so-called <a href='/caregiving/basics/info-2020/long-term-care.html' data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/dam/content-fragments/aarp-org/en/article/caregiving/financial-legal/Callout-V2-Article-CF/understanding-long-term-care-insurance.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" title="finding the right long-term care">activities of daily living</a> — such as bathing, dressing, eating, using the toilet, getting in and out of bed and chairs, and managing incontinence — or become cognitively impaired.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> <p>One more hurdle to clear: a waiting period that starts when you first need or use care. Benefits most commonly start after 90 days, but you might pay higher or lower premiums to adjust the waiting, or elimination, period. </p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> <p>Once coverage kicks in, it’s typically capped at a certain amount daily or monthly, up to a lifetime maximum or a certain number of years. Different amounts may be allowed for care in your home, a nursing home or elsewhere. You pay more for higher benefit levels or for benefits that rise over time to protect you from inflation.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> <p>For example, a policy that pays $200 a day for five years and grows benefits at a compounded 3 percent a year will cost more than one that pays $100 a day for two years with no inflation protection.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> <p>Once you are getting benefits, premiums typically are waived.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> <h3><span class="scroll-arrow" id="bumpy-history">The bumpy history of long-term care insurance</span></h3> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> <p>The earliest LTC insurance policies, sold in the 1980s, covered only nursing home care. But through the 1990s and early 2000s, insurers started covering <a href='/caregiving/home-care/info-2019/home-health-aides.html' data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/dam/content-fragments/aarp-org/en/article/caregiving/financial-legal/Callout-V2-Article-CF/understanding-long-term-care-insurance.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" title="you may be able to afford a home health aide">home care services</a>, assisted living, <a href='/caregiving/home-care/info-2017/adult-day-care.html' data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/dam/content-fragments/aarp-org/en/article/caregiving/financial-legal/Callout-V2-Article-CF/understanding-long-term-care-insurance.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" title="about adult day care">adult day care</a> and other options. Some promised lifetime benefits.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> <p>Insurers underestimated how much they would pay in claims and overestimated how much they would earn in investments. The result: They got into financial trouble and, with the permission of state regulators, substantially raised premiums on existing customers.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> <p>Many companies stopped selling traditional long-term care insurance. Just a few companies sell the policies today with more limited coverage periods at higher prices.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> <p>Historically, 70 percent to 80 percent of people with traditional policies have seen premium increases, says Jesse Slome, executive director of the American Association for Long-Term Care Insurance (AALTCI). Companies selling newer policies have retooled them to avoid repeating that history.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> <h3><span class="scroll-arrow" id="what-to-know">What to know if you have a policy</span></h3> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> <p>People who already own traditional policies should know that if they face a premium increase, they have options. One possibility is to pay the increase and keep the benefits you signed up for — an often-attractive choice for people who can afford the price hike and have generous older policies, says Jodi Cirignano, a managing director and wealth adviser at Peapack Private Wealth Management, based in Bedminster, New Jersey.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> <p>Another option is to accept reduced benefits at your old premium rate. Dropping a policy and seeking out new coverage when you are older and less healthy will almost certainly cost you more, experts say. As long as you keep paying, insurers can’t legally drop you.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> <p>Graham says clients with decades-old policies continue to see premium increases. “Most of our clients decide to keep their insurance,” he says. But some accept fewer benefits or less inflation protection to keep costs in check.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> <h3><span class="scroll-arrow" id="buy-or-not">To buy or not to buy: making choices </span></h3> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> <p>Unlike health, home or auto insurance, “this is a policy you buy only once,” AALTCI’s Slome says. So before you make a choice, including whether to buy a policy at all, consider:</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> <p><b>Your budget.</b> If you already have trouble paying for food, medicine, utilities or other important needs, adding an LTC insurance premium isn’t a good choice, according to a guide from the National Association of Insurance Commissioners. A good rule of thumb: Premiums shouldn’t take more than 7 percent of your income. </p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> <p><b>Your assets.</b> If you are looking at long-term care insurance as a way to protect your assets for heirs or yourself, it’s most likely to pay off if you have at least $75,000, not counting your primary home, the insurance commissioners say. If you have less than $30,000, you may pay more than that in premiums, the group says.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> <p><b>Your overall financial condition.</b> Some people will look at their assets and spending and decide they can cover long-term care without insurance. Some may plan to sell a second home, downsize from a family residence or <a href='/money/credit-loans-debt/info-2019/reverse-mortgage-loan-advice.html' data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/dam/content-fragments/aarp-org/en/article/caregiving/financial-legal/Callout-V2-Article-CF/understanding-long-term-care-insurance.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" title="what to know about reverse mortgages">get a reverse mortgage</a> to cover such expenses, according to advisers.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> <p>Others may set up a longevity fund to cover not only long-term care but also all the costs that come from living longer than average. One advantage of self-funding: total flexibility in how you spend your care dollars.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> <p><b>Your ultimate financial goals.</b> How important is it to you to leave money behind? “Some people feel very strongly about leaving something for their families” and are highly motivated to buy insurance to protect their assets from a catastrophic yearslong need for care, Peapack’s Cirignano says. “Others are happy to bounce their very last check.” </p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> <p><b>The full range of insurance options.</b> Talk with agents authorized to sell policies from multiple companies and with financial advisers who can put your options into the context of your overall financial plan.<br /> “It’s really valuable to have some sort of third party who doesn’t have a vested interest in any one insurance company helping you navigate the process,” Morningstar’s Benz says.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> <p>Because states regulate insurance, your options can vary greatly depending on where you live. “Many of our clients in New York face limited choices and high pricing while someone in Arizona may have more options,” Graham says.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> <p><b>Your age and health.</b> The older you are when you buy long-term care insurance, the more it will cost. Health problems also will make it more expensive or, in some cases, impossible to get coverage.<br /> Turndown rates rise steeply with age. If you already have memory loss or trouble with daily self-care, you are unlikely to qualify.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> <p>Some insurers require a physical exam or medical-record review. Others conduct only health interviews via telephone.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> <p>In general, traditional policies have more stringent health requirements than hybrid ones. While experts used to suggest shopping for long-term care insurance by your early 60s, many now suggest starting in your 50s or even your late 40s.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> <p><b>Ways to pay for your policy.</b> You may be able to cover premiums, tax-free, with money from <a href='/money/taxes/info-2023/health-savings-account-tax-breaks.html' data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/dam/content-fragments/aarp-org/en/article/caregiving/financial-legal/Callout-V2-Article-CF/understanding-long-term-care-insurance.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" title="get a triple tax break with an HSA">a health care savings account</a>, available only to consumers in certain health plans, Benz says. Or you can explore the tax advantages of exchanging an existing life insurance policy or annuity for a long-term care policy.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> <p>That’s a complicated process but a good deal for many people whose insurance goals have changed, she says.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> <p><b>Other options.</b> Group policies offered through employers may be more affordable than individual policies, particularly if you have health problems. Buying individual policies as a couple, rather than as a single person, often reduces premiums.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> <p>Couples also may qualify for “shared care”: If one of them exhausts their pool of benefits, they will be able to draw from their partner’s pool.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> <p>And in most states, you can shop for a limited number of policies that participate in partnerships with the state’s Medicaid program. These partnership policies will allow you and your survivors to keep more of your assets if you ever need Medicaid. The protected amount is based on what your policy has already paid for your care.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> </div> </div> </div> <article class="container responsivegrid uxdia-o-article-rail uxdia-o-article-rail@laptop uxdia-c-restricted-access aem-GridColumn--tablet--12 aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8"> <div id="container-05443a5cbb" class="cmp-container"> <div class="container responsivegrid uxdia-c-comments-button__container uxdia-c-comments-button__container@mobile uxdia-c-comments-button__container@tablet uxdia-c-comments-button__container@laptop"> <div id="container-912e8b9107" class="cmp-container" data-wcmmode="publish"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="commentbutton button uxdia-c-button uxdia-c-button--secondary js-tokenable uxdia-c-comments__text-onload aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--12"> <a role="button" class="cmp-button" href='/caregiving/financial-legal/info-2021/understanding-long-term-care-insurance.html#comments_widget_id'> <span class="cmp-button__icon cmp-button__icon--icon" aria-hidden="true"></span> <span class="cmp-button__text">%{postComment}%</span> </a> </div> </div> </div> </div> <div class="container responsivegrid uxdia-c-additionalCredit-authorBio-container uxdia-c-additionalCredit-authorBio-container@mobile"> <div id="container-6ec605f51c" class="cmp-container" data-wcmmode="publish"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="articlecontentfragment contentfragment uxdia-c-additionalCredit-authorBio-container uxdia-c-additionalCredit-authorBio-container@mobile aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-contentfragment cmp-contentfragment--understanding-long-term-care-insurance" data-cmp-contentfragment-model="uxdia/models/content-experience-article-content-fragment" data-cmp-contentfragment-path="/content/dam/content-fragments/aarp-org/en/article/caregiving/financial-legal/Callout-V2-Article-CF/understanding-long-term-care-insurance"> <div class="cmp-contentfragment__element cmp-contentfragment__element--bylineAuthors " data-cmp-contentfragment-element-type="content-fragment"> <div class="uxdia-c-author-bio-component uxdia-c-author-bio-component@tablet uxdia-c-author-bio-component@mobile"> <div class="uxdia-c-author-bio-component__container uxdia-c-author-bio-component__container@tablet uxdia-c-author-bio-component__container@mobile"> <div class="uxdia-c-author-bio-component__inner-container uxdia-c-author-bio-component__inner-container@mobile"> <div class="uxdia-c-author-bio-content__wrapper uxdia-c-author-bio-content__wrapper@mobile"> <div class="uxdia-c-author-bio-images uxdia-c-author-bio-images@mobile"> <div> </div> </div> <div class="uxdia-c-author-bio-details uxdia-c-author-bio-details@mobile"> <div> <div class="cmp-contentfragment__element cmp-contentfragment__element--authorTagline " data-cmp-contentfragment-element-type="string"> <p><i>Kim Painter is a contributing writer who specializes in health and psychology. She frequently writes for AARP's Staying Sharp and previously worked as a health reporter and columnist at </i>USA Today<i>.</i></p> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid"> <div id="container-4c242f1938" class="cmp-container" data-wcmmode="publish"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="uxdiaCacheableXF experiencefragment aem-GridColumn aem-GridColumn--default--12"><div data-cmp-paywall-titleCheck="false" data-cmp-paywall-pageTitle="Understanding Long-Term Care Insurance" data-cmp-membersonlyaccess="false" id="uxdiaCacheableXF-b95a94050b" class="cmp-experiencefragment cmp-experiencefragment--paywall"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="uxdiaResponsiveGrid responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="target parbase aem-GridColumn 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228.186 462.159 230.253 462.159 239.761V250.922H478.281V268.284H462.159V321.197H440.25V268.284H439.836Z" fill="white"/> <path d="M502.257 216.198C509.285 216.198 514.659 221.985 514.659 228.599C514.659 235.214 508.871 241.001 502.257 241.001C495.23 241.001 489.856 235.214 489.856 228.599C489.856 221.985 495.23 216.198 502.257 216.198ZM491.096 250.922H513.005V321.197H491.096V250.922Z" fill="white"/> <path d="M580.386 268.284H561.37V291.847C561.37 299.288 562.197 305.075 571.705 305.075C574.185 305.075 578.732 304.661 580.386 303.008V321.197C575.425 322.85 570.051 323.264 565.091 323.264C550.622 323.264 539.461 317.476 539.461 302.181V268.697H525.406V251.335H539.461V230.666H561.37V251.335H580.386V268.284Z" fill="white"/> <path d="M635.366 271.591C632.059 267.871 627.925 265.804 622.964 265.804C619.244 265.804 615.11 267.457 615.11 271.591C615.11 281.926 651.901 273.245 651.901 300.114C651.901 317.89 634.539 323.264 619.657 323.264C609.736 323.264 598.988 320.783 591.961 313.756L605.189 299.288C609.323 304.248 613.87 307.142 620.484 307.142C625.445 307.142 630.405 305.902 630.405 302.181C630.405 291.02 593.614 300.528 593.614 273.658C593.614 257.123 608.496 250.095 622.964 250.095C632.059 250.095 642.393 252.576 649.007 259.19L635.366 271.591Z" fill="white"/> </g> <defs> <linearGradient id="paint0_linear_2_50" x1="-107.447" y1="339.208" x2="1141.73" y2="339.208" gradientUnits="userSpaceOnUse"> <stop stop-color="#351211"/> <stop offset="1" stop-color="#EF3829"/> </linearGradient> <clipPath id="clip0_2_50"> <rect width="933" height="600.642" rx="80" fill="white"/> </clipPath> </defs> </svg> </a> <h2 class="four-pack-header-title four-pack-header-title@tablet four-pack-header-title@mobile"> Benefits Recommended For You </h2> </div> <div class="four-pack-header-right four-pack-header-right@mobile"> <div id="text-1b95905703" class="cmp-text"> <p><a data-analyticsevent="MEMBEN4PK-RFY-LNK-CLK-FAMILY_CAREGIVING-SEE_ALL" data-formelementid="MEMBEN4PK-RFY-LNK-CLK-FAMILY_CAREGIVING-SEE_ALL" data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/target-share/palantir/membership_offers/four-pack/family-caregiving/recommended-for-you/master.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" href='/membership/benefits/all-offers-a-z/' title="See All">See All</a></p> </div> </div> </div> <div class='mvc-offer--four-pack mvc-offer--four-pack@tablet mvc-offer--four-pack@mobile'> </div> <div class="four-pack-see-all-cta-container four-pack-see-all-cta-container@mobile"> </div> <template class="four-pack-template"> <a class="js-mvc-offer-four-pack-container mvc-offer-four-pack-container mvc-offer-four-pack-container@tablet mvc-offer-four-pack-container@mobile " href='' data-formelementid="" data-productid="" data-prod-category=""> <div class='mvc-offer-four-pack-image-container uxdia-c-image'> <img class="uxdia-c-spinner" src='https://cdn.aarp.net/etc/uxdia/images/uxdia-spinner.svg' alt="spinner image"/> <img loading="lazy" class="mvc-offer-four-pack-image js-mvc-offer-four-pack-image" src='' alt='' height='655' width='1140'/> <div class="palantir-moa-badge js-palantir-four-moa-badge aarp-u-hidden"> <span class="palantir-moa-badge-icon js-palantir-four-moa-icon"></span> Members only </div> </div> <div class='mvc-offer-four-pack-details mvc-offer-four-pack-details@tablet mvc-offer-four-pack-details@mobile'> <div href='#' class='mvc-offer-four-pack-category mvc-offer-four-pack-category@mobile mvc-offer-four-pack-category@tablet js-mvc-offer-four-pack-category'> </div> <p class='mvc-offer-four-pack-title mvc-offer-four-pack-title@tablet js-mvc-offer-four-pack-title'></p> <p class='mvc-offer-four-pack-description js-mvc-offer-four-pack-description'></p> <div class="js-mvc-offer-eventDate aarp-c-mvc-offer-eventDate"></div> </div> </a> </template> <input type="hidden" id="hostName" class="hostName" value="cdn.aarp.net"/> <input type="hidden" id="hideCategory" class="hideCategory" value="false"/> <input type="hidden" id="hideDescription" class="hideDescription"/> <input type="hidden" id="events" class="events" value=""/> <input type="hidden" id="products" class="products" value=""/> <input type="hidden" id="region" class="region" value=""/> <input type="hidden" id="apiUrl" class="apiUrl" value="https://ggfi3szd85.execute-api.us-east-1.amazonaws.com/prod/palantir-services/getOffers"/> <input type="hidden" id="aarpDomain" class="aarpDomain" value="https://www.aarp.org"/> <input type="hidden" id="requestCategory" class="requestCategory"/> <input type="hidden" id="requestCardCount" class="requestCardCount"/> <input type="hidden" id="advertisementDisplayOrder" class="advertisementDisplayOrder" value="5"/> <input type="hidden" id="variant" class="variant" value="4pack"/> <input type="hidden" id="analyticsId" class="analyticsId"/> <input type="hidden" id="model" class="model" name="model" value=""/> <input type="hidden" class="txId" name="txId" value=""/> <input type="hidden" class="nSocial"/> <input type="hidden" class="nCommercial"/> <input type="hidden" class="eventsFrom" name="eventsFrom"/> <input type="hidden" class="eventsTill" name="eventsTill"/> <input type="hidden" class="actionClassInclusion" name="actionClassInclusion"/> <input type="hidden" class="actionClassExclusion" name="actionClassExclusion"/> <input type="hidden" class="actionCategoryExclusion" name="actionCategoryExclusion"/></div> </div></div> </div> </div> </div> </div> </section> <section class="container responsivegrid uxdia-c-restricted-access aem-GridColumn--tablet--12 aem-GridColumn--offset--tablet--0 aem-GridColumn--default--none aem-GridColumn--phone--12 aem-GridColumn--tablet--none aem-GridColumn--phone--newline aem-GridColumn aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0 aem-GridColumn--default--4"> <div id="container-3a7aa029e7" class="cmp-container"> <div class="uxdiaCacheableXF experiencefragment"><div data-cmp-paywall-titleCheck="false" data-cmp-paywall-pageTitle="Understanding Long-Term Care Insurance" data-cmp-membersonlyaccess="false" id="uxdiaCacheableXF-985422c3a8" class="cmp-experiencefragment 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Making Sense of Your Long﻿-Term Insurance Options

Making Sense of Your Long-Term Insurance Options