Even when employers offer access to a long term care insurance program, only 8% of U.S. workers take up the benefits, according to Prudential Financial Inc.

Prudential, Newark, N.J., (NYSE:PRU) has published that finding in an analysis based on data from an Internet survey conducted in the spring.

Prudential released the analysis to draw attention to a Long Term Care Insurance Month campaign that is taking place this month.

About 17% of the survey participants said they had provided care for an adult family member or relative, and 46% said they know someone who has been a caregiver, but just 5% said they have bought LTC insurance away from the workplace.

When Prudential looked at the consumers who expressed the most concerned about future LTC expenses, it found that 38% of those consumers enroll in an employer-sponsored LTC program when an LTC plan is available.

About 47% of the consumers who claimed to have a plan for paying for long term care said they would use 401(k) plan assets or other retirement savings to pay for it.

Another 37% said they would rely on Medicare, even though Medicare pays for just 100 days of extended care.