Despite the potential heavy burden that long-term care costs could place on many Americans during retirement, very few have actually planned for it, according to a survey by Genworth Financial.

According to the Age Wave/Harris Interactive survey, “America Talks: Protecting Our Families’ Financial Futures,” 91% of respondents said their financial professional has yet to discuss potential long-term care costs with them. Furthermore, the majority of respondents have also not talked with family members about three topics that psychologist and gerontologist Ken Dychtwald, president and CEO of Age Wave, said are crucial conversation starters: Preferred options/costs of care (in-home care vs. nursing home); roles and responsibilities of family members overseeing that care; and funding long-term care.

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