When might I need long term care?Long-term care is the kind of help you may need if you have a prolonged physical illness, disability, or severe cognitive impairment (such as Alzheimer’s disease) that keeps you from living an independent lifestyle. Learn more and watch the videos.What is long term care insurance?LTC Insurance (LTCI) can help pay for care ranging from a few hours per week at home to round-the-clock care in a nursing home.Opinions & Downloads: What do the experts say?Listen to long term care experts and download materials exploring your options for long term care and how to pay for it.What long term care insurance products are available?Choose your residence state and learn about insurance products offered to help meet potential long term care expenses.