What is Long-Term Care?

Long-term care insurance represents one way you can live life on your own terms. It refers to care provided to you in your own home, in a nursing home or other residential setting. It can range from help with routine daily activities like bathing or around-the-clock care by skilled medical personnel. Although most long-term care services are used by older people, a young or middle-aged person who has been in an accident or suffered a debilitating illness may also require long-term care.