Long Term Care (LTC) Insurance is one of the ways you or your family members can pay for long term, personal care needs, which can be very expensive. Long term care is not one service, but many different services that help people with chronic conditions compensate for limitations in their ability to function independently. Long term care services may include help with the activities of daily living, such as dressing, feeding, bathing, and toileting. Long term care services may also include: home health care, respite care, adult care, care in a nursing home and care in an assisted living facility. Long term care is different from medical care in that it may not help to improve or correct medical problems. People with physical disabilities often need help with the activities of daily living and people with cognitive impairments may need supervision, protection, or reminders to do everyday activities.