Long-term care refers to a range of services and support designed to meet the personal and health care needs of individuals who can no longer perform everyday activities independently, such as bathing, dressing, or eating. This care can be provided at home, in assisted living facilities, or in nursing homes, and is often needed due to aging, chronic illness, or disability. Because traditional health insurance and Medicare offer limited coverage for long-term care, many people consider long-term care insurance to help manage the potentially high costs and protect their savings.