Long-term care is a variety of services that includes medical and non-medical care to people who have a chronic illness or disability. Long-term care helps meet health or personal needs. Most long-term care is to assist people with support services such as activities of daily living like dressing, bathing, and using the bathroom.

Long-term care can be provided at home, in the community, in assisted living or in nursing homes. It is important to remember that you may need long-term care at any age.

60 percent of people over age 65 will require some long-term care services at some point in their lives. And, contrary to what many people believe, Medicare and private health insurance programs do not pay for the majority of long-term care services that most people need - help with personal care such as dressing or using the bathroom independently.

Planning is essential for you to be able to get the care you might need. Long-term-care insurance is designed to protect your accumulated assets from the cost of the care. The probability of the purchaser needing long-term health care at some time in the future is fifty percent. Needing long-term health care is not rare. It is virtually guaranteed.

Long Term Care Link
US Department of Health and Human Services on Long Term Care
Federal Long Term Care Insurance Program Home Page
Federal Long Term Care Insurance Program
National Long Term Care Ombudsman Resource Center
Agency for Health Care Policy and Research (AHCPR)
Hospice Patients Alliance
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