Only 9% of Americans surveyed by Genworth Financial Inc. say their advisors have talked to them about retirement and long term care planning.

Many Americans also are still not engaging in open conversations with their families about the kind of LTC insurance they would prefer or be able to afford if they needed it in the future, according to Genworth, Richmond, Va. (NYSE:GNW).

Genworth is basing those conclusions on results from an online survey of 2,900 U.S. consumers that was conducted in January.

About 65% of the survey participants said the fear of upsetting family members is the biggest barrier to talking about LTC plans.

Genworth says advisors should recommend that clients start LTC conversations with family members by raising the following 3 topics:

1. Preferred options and costs for in-home care vs. nursing home care.

2. Roles and responsibilities of family members overseeing care.

3. Strategies for paying LTC costs.

Only 8% of spouses and partners say they have discussed all 3 topics with their spouses or partners, and only 5% of parents say they discussed all 3 topics with their adult children. Only 4% of adult children say they have discussed these topics with their parents.