A longer life-expectancy, combined with the rising cost of health care, makes long-term care insurance one of the most important factors in the quality of later-life. This type of insurance is designed to cover the costs of home care or care in an assisted living facility or nursing home, which can be several thousand dollars each month. Long-term care is usually not covered by health insurance except in a very limited way, and Medicare covers very few long-term care expenses. There are many plans varying in costs and services covered, each with its own limits. One thing to remember when shopping for a long-term care plan is that the younger you are, the lower the rates, so it is important to shop early. Just like health insurance, if you wait until you need it, you probably won't get it.

For opportunities and information to allow seniors to live independently in their homes, visit www.sanluisobisposeniorservices.com