Many older adults want to live independently but can only do so if they have access to long-term care (LTC) services, such as bathing, dressing, shopping, cooking, and daily healthcare routines. However, many cannot afford this assistance, particularly after they pay their housing costs. Samara Scheckler and Peyton Whitney will discuss a new paper that estimates the number of older households unable to afford these services and strategies that could make them more affordable. Panel discussion to follow, moderated by Jennifer Molinsky, director of the Center’s Housing an Aging Society Program.