Only 23% of the women who participated in a recent survey seemed to understand that they would have to start out using personal savings to pay for long term care (LTC), AARP says.

AARP, Washington, did not give the size of the sample, but it says the women it polled were ages 45 to 64.

Few of the women understood that private health insurance and Medicare do not cover long term care, the group says.

Only 40% of the women polled knew that long term care could take place outside a nursing home.

AARP released the survey results in conjunction with “Decide.Create.Share,” a new LTC planning campaign aimed at women.

- Trevor Thomas