What is long term care and why do I need it?

Long term care is a disease or injury that is recoverable in which you cannot perform 2/6 Activities of Daily Living (ADL) including eating, bathing, dressing, transferring (moving around), continence (controlling bowel movements), or toileting. More than 70% of individuals need long term care after age 65 and can cost on average $80,300 per year out-of-pocket for a semi-private nursing home.