What is long-term care?

Long-term care (LTC) is the assistance required by an individual who has a chronic illness or disability that leaves him or her unable to care for him- or herself for an extended period of time. This illness or disability may be physical or mental in nature. Frequently, one receives LTC after recovering as much as possible from an accident or illness. LTC may be provided in a variety of settings, including, but not limited to the individual’s own home, an adult day care facility, or a residential care facility (e.g., an assisted living facility, a skilled nursing facility). Such care includes both skilled nursing care and custodial care, and may be required by individuals of any age.