An official website of the United States government          

Here’s how you know

**Official websites use .gov**A              **.gov** website belongs to an official government              organization in the United States.            

**Secure .gov websites use HTTPS**A              **lock** (              LockLocked padlock icon) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.            

Skip to contentSkip to navigation

Help and Support

A - Z Browse

- Basic Needs   - Understanding Long-Term Care
  - What is Long-Term Care?
  - Long-Term Care Pathfinder
  - Who Needs Care?
  - How Much Care Will You Need?
  - Who Will Provide Your Care?
  - Where Can You Receive Care?
  - Finding Local Services
  - Who is in Charge? Radio PSAs
- Costs & Who Pays   - Overview
  - Who Pays for Long-Term Care?
  - Costs of Care
  - What is Covered by Health & Disability Insurance?
  - What is Long-Term Care Insurance?
  - Paying Privately
- Medicare, Medicaid & More   - Overview
  - Medicare
  - Medicaid
  - Veterans Affairs Benefits
  - Other State Programs
- Housing   - Where You Live Matters
  - Staying in Your Home
  - Living in a Facility
- Legal Steps   - How to Decide
  - Advance Care Plan Considerations
  - Will I Need a Lawyer?
  - Legal Steps for Medical Well-being
  - Legal Steps for Financial Well-being

Welcome to

LongTermCare.gov

# What is Long-Term Care (LTC) and Who Needs it?

Long-term care (LTC) is a range of services and supports you may need to meet your personal care needs. At some point in our lives, about 60 percent of us will need assistance with things like getting dressed, driving to appointments, or making meals. Planning is critical, but many people are not sure what is covered by insurance, and people are often misinformed about what is covered by Medicare.

## Finding Services

Need services but don’t know where to start?

Find Services* *

*Last modified on 01/04/2021*

## LTC Pathfinder

Considerations by Age

Planning considerations and options associated with your age

Select Your Age * *
                    - Under 50
                    - 51-64
                    - After Age 65

Special Situations

Resources for people already receiving long-term care services, identify as an LGBT adult, or have dementia

Select Your Situation * *
                    - Already Receiving LTC Services
                    - For LGBT Adults
                    - Alzheimer's

## Test Your Long-Term Care Knowledge

MYTH vs FACT

Test your long-term care knowledge text version

 

**         Back to Top    

## Site Support

-  Home 
-  Accessibility 
-  Disclaimers 
-  Contact Us 
-  Freedom of Information Act (FOIA) 
-  Privacy Policy 
-  Site Map 
-  Viewers & Players 
-  Vulnerability Disclosure Policy 

## Other ACL Sites

-  Disability Assistance and Information Line  
-  Eldercare Locator 
-  ElderJustice.acl.gov 
-  LongTermCare.gov 
-  OlderIndians.gov 

## Related Sites

-  Grants.gov 
-  HHS.gov 
-  No Fear Act  
-  Plain Writing (on HHS.gov) 
-  USA.gov 
-  WhiteHouse.gov 
-  Vote.gov 

## Sign up for ACL updates

Receive important announcements, events, and resources via email.

Subscribe * *

This is an official U.S. government website managed by the        U.S. Department of Health & Human Services.