Someone with a long physical illness, a disability, or a cognitive impairment (such as Alzheimer's disease) often needs long-term care.

Many different services help people with chronic conditions overcome limitations that keep them from being independent. Long-term care is different from traditional medical care. Long-term care helps one live as he or she is now; it may not help with activities of daily living, home health care, respite care, adult day care, care in a nursing home, and care in an assisted living facility.

Long-term care may also include care management services, which will evaluate your needs and coordinate and monitor the delivery of long-term care services.

You should CONSIDER buying Long-Term Care Insurance if:

• You have significant assets and income;
• You want to protect some of your assets and income;
• You want to pay for your own care;
• You want to stay independent of the support of others.