Long-Term Care Insurance Long-term care is defined as a series of medical and non-medical services offered over an extended period of time to meet your health or personal care needs. Most long-termcare is non-skilled personal care assistance, such as help performing everyday Activities of Daily Living (ADL):BathingDressingUsing the bathroomTransferring (to or from bed or chair)Caring for incontinenceEatingIncreasingly, long-term care involves providing a level of medical care from skilled practitioners to address the often multiple chronic conditions associated with older population groups. The goal of long-term care insurance is to help you maximize your independence and function at a time when you are unable to be fully independent.A plan for how to deal with long-term care is paramount given the health care issues facing Americans today:Aging populationsFamily lifestyle changesEvolving health care and a lack of adequate protection from healthcare costsLong-term care insurance offers protection against the risks associated with these issues. Have a Question About This Topic? Name Email Address Phone Question Thank you! Oops!