Thanks to advances in medicine, retirees are living longer, more independent lives. As a result, an increasing number of those who are age 65 and older will require long-term care. Although many people assume Medicare will cover this expense, it often doesn’t. That’s why a growing number of retirees are turning to long-term care insurance to protect their futures. Coverage for nursing home care, home health care or both helps you maintain control of where you will receive care, and it protects your life’s savings from the high cost of services.