BACKGROUND AND OBJECTIVES: Dementia family caregiving is a complex role that becomes increasingly intense and demanding over time. The utilization of home and community-based services (HCBS) can provide knowledge and skills to foster preparedness, which may protect against adverse caregiving outcomes
yet actual uptake of services remains low. The current study aims to gather multi-perspective insights underlying the disconnect between caregivers' need for - versus utilization of - HCBS using Pearlin et al.'s (1990) stress process model as a guiding theoretical framework. RESEARCH DESIGN AND METHODS: Five focus groups of 4-8 participants each were conducted with dementia family caregivers (n=13) and Subject Matter Experts (n=17). A deductive-inductive thematic approach was used for data analysis. RESULTS: Three overarching concepts were identified: "Pathways to Preparedness'', "Multi-Level Barriers", and "Bridging the Gap." Findings reflected caregivers' need for support in four core areas: 1) Dementia-specific education/training
2) Competent mental health support
3) Financial/legal navigation, and 4) Emergency readiness. Results revealed cross-dimensional barriers across individual-, provider-, and systemic-contexts impeding HCBS access and utilization. Personalized caregiving navigation and technology were deemed potential solutions to facilitate clearer clinical pathways between unmet needs and relevant services. DISCUSSION AND IMPLICATIONS: Results underscore the complexity of the HCBS system in the United States and highlight the multidimensional barriers disrupting the pipeline connecting caregivers to HCBS. Findings can inform web-based behavioral interventions aiming to enhance family caregivers' knowledge of, access to, and utilization of formal services in community settings.