“Long-Term Care” (LTC) is the assistance you need when you can’t perform the Activities of Daily Living (ADL) independently.

It isn’t a subject that most of us care to dwell upon. However, the failure to discuss or plan for the high costs of long-term care is causing American families to be unprepared to meet these high costs. The question of, who will pay for Long-Term Care?—Medicare, Medicaid, or you?—is a subject of deep concern for many Americans, including members of Congress.