In the United States, individuals needing long-term services and supports (LTSS) access care, utilize services, and pay for their services in various ways. The authors explore how the need for, utilization of and payment for long-term services and supports differ in the U.S. by population cohorts. Their primary focus is disparity by race and ethnicity, but they also consider variations by geography, family structure, age, sex, gender and other socioeconomic factors. Our guest on this podcast is Rebecca Sheppard, FSA, MAAA, from Risk and Regulatory Consulting.  R. Dale Hall, SOA Managing Director of the SOA Research Institute hosts the podcast.