8 Forms of Dementia You Might Not Know About

Increased lifespan creates new challenges for individuals, their families, and governments worldwide. Without planning, the consequences on families and finances can be dramatic. The growing number of people with dementia is one of the most significant issues.

Recommend This Page
8 Forms of Dementia You Might Not Know About
1 Min Read July 14th, 2017 Updated:August 27th, 2022

Most individuals are aware that aging has turned into a global issue. Yes, longer lifespans bring up more health and financial problems that need to be dealt with and prepared for in advance. Yet, many people are unaware of the extent of the problem.

As people live longer, their risk of developing dementia rises. The number of people with dementia worldwide is 55 million. It's an epidemic that affects the entire world and costs $1.3 trillion U.S. dollars annually.

"Dementia is a syndrome – usually of a chronic or progressive nature – that leads to deterioration in cognitive function (i.e., the ability to process thought) beyond what might be expected from the usual consequences of biological ageing. It affects memory, thinking, orientation, comprehension, calculation, learning capacity, language, and judgment."

World Health Organization

Costly Care Services Place Financial Stress on Families

Families all around the world are severely burdened by the costs of supervision and other long-term care caused by dementia on a physical, emotional, and financial level. The Alzheimer's Association estimates a significant financial burden on American families.

"In 2022, Alzheimer's and other dementias will cost the nation $321 Billion. By 2050, these costs could reach nearly $1 Trillion. More than 11 million Americans provide unpaid care for people with Alzheimer's or other dementias."

Long-term care services in the United States vary depending on where you live. The LTC NEWS Cost of Care Calculator shows you the current and future cost of care services where you live.

Alzheimer's - Not the Only Dementia in Town

Alzheimer's is the type of dementia most people are aware of; however, eight other forms of dementia impact humans as we age. Plus, sometimes we face memory loss at younger ages as well.

There are other forms of dementia other than Alzheimer's. These include:

  • Lewy body dementia is the second most common type of progressive dementia after Alzheimer's disease, according to the Mayo Clinic. Protein deposits develop in nerve cells in the brain regions involved in thinking, memory, and motor control.

  • Vascular dementia is caused by a lack of blood flow to a part of the brain. According to the National Institute on Aging, symptoms of vascular dementia can begin or occur suddenly and then progress over time, with possible short periods of improvement. 

  • Frontotemporal dementia (FTD) occurs when nerve cells in the frontal and temporal lobes of the brain are lost, causing the lobes to shrink. FTD can affect behavior, personality, language, and movement. According to John Hopkins Medicine, FTD symptoms typically start between the ages of 40 and 65 but can affect young adults and those who are older. 

There are other types of dementia that you can read about in this infographic.

Many Are Unaware of Memory Decline

People who will develop dementia may begin to lose awareness of their memory problems two to three years before the actual onset of the disease, according to a new study published in the August 26, 2015, online issue of Neurology®.

According to Robert S. Wilson, Ph.D., of Rush University Medical Center in Chicago, the evidence suggests that late-life dementia is characterized by an inescapable trait of being oblivious of one's memory issues. This is due to an accumulation of dementia-related alterations in the brain.

"This study underscores the importance of family members looking for help from doctors and doctors getting information from friends or family when making decisions about whether a person has dementia, since people may be unable to give reliable reports about the history of their own memory and thinking abilities."

Consequences of Dementia Affect Family and Finances

The cost of supervision and long-term health care is rising rapidly. There is a financial impact and a family impact. The consequences of dementia and long-term health care encompass many facets of a person's life and their family's life as well. This is why addressing the financial costs and burdens of aging as part of your retirement plan – before you retire – is key to a successful future retirement. 

Traditional health insurance, including Medicare and supplements, will only pay for a limited amount of days for skilled long-term health care. However, most long-term care is custodial - meaning help with daily living activities or supervision due to dementia. 

"Health insurance and Medicare will not pay for any custodial care. Medicaid will pay for custodial long-term care services, but only if the care recipient has little or no income and assets."

LTC Insurance Can Be a Solution

All types and levels of long-term health care services, including dementia supervision, are covered by affordable Long-Term Care Insurance policies. However, if your health is deteriorating, you cannot buy LTC Insurance. LTC Insurance is frequently bought by people in their 50s.

The money from Long-Term Care Insurance will allow the policyholder to choose from a range of high-quality care services, including in-home care. This enables the policyholder to shield their income and assets from the high cost of care services, including protecting 401(k)s and other resources.

People need long-term care services for many reasons, in addition to dementia care. People require long-term health care due to illnesses, accidents, mobility problems, and the frailty of aging. 

LTC Insurance Eases Family Stress and Burden

Memory loss is a major reason why many people require long-term care services. When a person has Long-Term Care Insurance coverage, their loved ones will have more time to spend with them rather than taking care of them, reducing their stress and workload. These responsibilities frequently fall to daughters and daughters-in-law.

Experts suggest reviewing your Long-Term Care Insurance options before you retire since premiums and availability are based on age, health, family history, and the benefits you want within your policy. Premiums can be very affordable when you are younger and enjoy reasonably good health - How Much Does Long-Term Care Insurance Cost? | LTC News.

Most states have partnership plans available which provide additional dollar-for-dollar asset protection. Plus, some states have tax incentives as well. Federal tax breaks are available to some people, including the self-employed. However, the states may be coming after you if you do not have Long-Term Care Insurance.

Several states are considering enacting the so-called LTC Tax in the same manner as the State of Washington. Those who do not have a qualifying policy in place would be subject to the tax on their earnings.

Individuals must have a tax-qualified Long-Term Care Insurance policy that meets federal guidelines under Section 7702(b) of U.S. Code. Federally required consumer protections, regulated benefit triggers, and tax advantages are also included in these Long-Term Care Insurance policies. As long as you keep your coverage, having a policy in place will help you to avoid any potential taxes.

We are aware that as we become older, the likelihood of our health deteriorating and our needing long-term care grows. But we are uncertain of the timing. Not only will having an LTC policy help you be prepared to protect income and assets, but it will also provide the entire family peace of mind.

Recommend This Page

About the Author

An LTC News author focusing on long-term care and aging.

LTC News Contributor James Kelly

James Kelly

Contributor since August 21st, 2017

Editor's Note

Long-term health care is frequently required due to aging and declining health. Family caregivers frequently feel unprepared for the difficult work. 

Since many of us may require assistance with the daily tasks we take for granted today, you cannot ignore the problem. Given how expensive long-term health care costs are and how quickly costs are rising across the country, the cost of long-term care services can quickly overwhelm our income and assets.

Being prepared for the costs and burdens of aging will help both our family and finances. Choice of quality care services and the necessary asset protection are essential. Your 401(k) and other savings can be drained significantly in a short period of time. Family caregivers have a difficult time balancing their roles as a caregiver with their careers and families. 

Long-Term Care Insurance protects assets, ease family stress, and gives you the control to choose the type of location of the care you want. Most people obtain coverage in their 50s, but with several states considering an LTC Tax on those without Long-Term Care Insurance, acting sooner can save you money over your working life.

Find Professional Help When Shopping for LTC Coverage

There are many options and types of Long-Term Care Insurance. However, many financial advisors and general insurance agents are not adequately trained on these products, policy design, and underwriting. Tax-qualified Long-Term Care Insurance policies meet federal guidelines under Section 7702(b) of U.S. Code, providing important consumer protections, regulated benefit triggers, and tax incentives as mandated by federal law.

Plus, several states are implementing a tax on earned income for residents that don't own a qualified LTC Insurance policy. You need a qualified Long-Term Care Insurance specialist to help you navigate the many options. Plus, a specialist will assist you in finding the most affordable option based on your age, health, and family history.

Find a trusted and experienced specialist who works with all the top companies to help you plan for financial costs and the burdens of aging.

Tools and Resources Available on LTC NEWS

There is much inaccurate or incomplete information about long-term care planning on the internet. Not every financial advisor or insurance agent has the knowledge required to help you with long-term care planning. LTC NEWS can help.

If you have questions about long-term health care planning, LTC NEWS answers the most often asked questions - Frequently Asked Questions

You can find all the resources available on LTC NEWS right here - Resources for Long-Term Care Planning.

The cost of long-term health care services is rising sharply nationwide. The LTC NEWS Cost of Care Calculator shows you the current and future cost of care services where you live - Cost of Care Calculator - Choose Your State.

How About Elderly Parents?

If your older parents or family members are declining and need help now, what can you do to help? You can get help finding quality caregivers or long-term care facilities and get recommendations for a proper care plan, whether or not they have an LTC policy. - Filing a Long-Term Care Insurance Claim | LTC News

If your loved one is lucky enough to own a Long-Term Care Insurance policy, be sure they use it. Sometimes families wait, thinking they can save the benefits for a rainy day. Waiting on using available Long-Term Care Insurance benefits is not a wise idea. 

Is a Reverse Mortgage Helpful?

Today's reverse mortgages for those aged 62 and older could be an ideal resource. You can fund a Long-Term Care Insurance policy OR even provide money to pay for care if you, or a loved one, already needs help and assistance. 

You might be eligible at younger ages as well. 

Some people have much of their savings invested in their homes. With today's reverse mortgages, you can find ways to fund care solutions, care itself, and even help with cash flow during your retirement. 

Learn more by asking questions to an expert. Mike Banner, LTC NEWS columnist and host of the TV Show "62 Who Knew," will answer your questions regarding caregiving, aging, health, retirement planning, long-term care, and reverse mortgages. 

- Just "Ask Mike." - Reverse Mortgages | LTC News.

Be a Contributor to LTC NEWS

Improve your website or blog's SEO and gain exposure and traffic at the same time by being a contributor to LTC NEWS. 

You can promote yourself, your business, and your website or blog. It can include links to other sites, and you can share the article link once published on your website or social media. However, it must have editorial content exclusive to LTC NEWS and not just an advertisement.

Email your story idea or article: newsroom@ltcnews.com - LTC News Contributors | LTC News

LTC NEWS - Your Marketing and Advertising Partner

Use LTC NEWS to drive traffic to your website and help you attract people interested in your products and services. Plus, you can improve your website's SEO so more consumers can find you when they search for your products and services.

There are various marketing options available with LTC NEWS. Traditional advertising, sponsored content articles, strategic alliances, and more are available. 

Learn more about how LTC NEWS can help market your business, drive traffic, and improve SEO - Advertise With Us | LTC News.

Shared Links and News

LTC NEWS offers a 'helpful links' page so readers looking for additional information can find them easily. You can get a dofollow link to your website on LTC NEWS in exchange for a dofollow link on your site.

Let's work together and help consumers who search for us on the web - Site Request | LTC News.

You can also affordably purchase a dofollow link to your website or blog on LTC NEWS. Just contact the advertising department.

Include LTC NEWS in your press release distribution. If your group, organization, business, political committee, etc., have news to share, send it to LTC NEWS. Email - newsroom@ltcnews.com  

LTC News Trusted & Verified

Work With a Trusted Specialist

Get Accurate Long-Term Care Insurance Quotes

  • Has substantial experience in Long-Term Care Insurance
  • Strong understanding of underwriting, policy design, and claims experience
  • Represents all or most of all the leading insurance companies
man and woman sitting at desk
  • Latest

  • Oldest

  • Homecare

  • Health

  • Government

  • Care Facilities

  • Pets

  • People

  • Lifestyle

  • Insurance

No Results

Step 1 of 4

Find a Specialist

Get Started Today

Trusted & Verified Specialists

Work with a trusted Long-Term Care Insurance Specialist Today

  • Has substantial experience in Long-Term Care Insurance
  • A strong understanding of underwriting, policy design, and claims experience
  • Represents all or most of all the leading insurance companies

LTC News Trusted & Verified

Compare Insurers