Long term care services address the health, social and personal care needs of individuals who have lost the ability to care for themselves. While a certain degree of public support is available, government programs are not comprehensive and long term care services can be costly.  Long term care insurance (LTCI) helps to pay for the care of services that other plans don’t provide, or works to bridge the gap between what is provided and the extra care or services you might prefer. LTCI helps to cover the costs, meaning:     You have more choices around the kind of care and amount of care you'll receive. Either professionals or family members can provide care. Your savings and investments can be preserved. There are many misconceptions about what the government provides and pays for, and what extended ...