Long-term Care, by definition, means an extended requirement for health services that are quite expensive, and can be financially devastating for those without adequate insurance coverage. Long-term Health Care may refer to care provided to aging individuals who need skilled or assisted-living services in order to carry on their daily lives. It can also refer to extended assistance provided to someone involved in long-term recovery following a debilitating surgery, which can happen to persons of any age. In either case, the average cost to stay in a skilled-care nursing facility is as much as $4,500 per month, an amount that can easily deplete a person's financial assets very quickly.

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