Same-sex female couples are two to three times more likely to reach 100 than one or both members of a 45-year-old same-sex male couple. (Photo: Shutterstock)

(Bloomberg) –Every family worries about money in its own way, but LGBT families still have special reasons to be concerned.

Two women married to each other, for example, must plan for more expensive retirements than other couples, UBS Group AG said Monday in a report.

Because women live longer than men, the bank calculates that in the U.S. one or both members of a female same-sex couple at age 45 are 50 percent more likely to live to 100 than heterosexual couples. Same-sex female couples are two to three times more likely to reach 100 than one or both members of a 45-year-old same-sex male couple.