Part of planning for your golden years means considering the possibility that you’ll need long-term care. Long-term care insurance provides you with the service and support you need to maintain your day-to-day activities should a chronic illness or cognitive impairment keep you from being able to take care of yourself.

Long-term care services may include:

• Nursing care
• Rehabilitation and therapy
• Personal care (help with activities of daily living such as dressing, eating and bathing)
• Homemaking services (cleaning, laundry, preparing meals)
• Having another person there to watch over you and help you when and where you need it

Depending on how much care you need and the choices you and your family make, this care can be received:

• In your home
• In the community (e.g., adult day centers)
• In a long-term care facility