Generally, long-term care is the care people need when they can't perform the tasks of ordinary living independently. It isn't a subject that most of us care to dwell on. However, the failure to discuss or plan for the high cost of long-term care is causing American families to be unprepared to meet the high costs of long-term care. This section addresses what long-term care is and where it is provided, as well as the costs of long-term care and who pays for it.

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