Understanding Long-Term Care

Long-term care is not one-size-fits-all. Learn before you plan.

Long-term care covers a variety of services that help you with health or personal care needs over an extended period. Long-term care can supplement the services provided by your family or take the place of family care.

Although these everyday activities may seem mundane, they are essential to maintaining your independence. Your ability, or inability, to perform these regular activities of daily living give long-term care professionals and those in the insurance industry a very practical measure to use when deciding if you need long-term care. Activities of daily living, often referred to as ADLs, include such regular activities as:

Identify your priorities.

Download (PDF, 8 MB) or order Your Long-Term Planning Kit for tips on addressing questions like these before you make a plan.

Your needs are likely to change over time.

Most people need more extensive care as they get older. Having a plan in place helps ensure you have the resources to pay for the services you need. The earlier you begin planning, the easier it is to make sure you are covered.