Also known as "extended care", long-term care includes a range of services and support that help meet personal and medical needs. These services are intended to support common everyday tasks, called "activities of daily living" and consist of: bathing, dressing, toileting, continence, eating, transferring. Long-term care insurance provides a benefit to the insured to help cover the cost of these types of services, so that you aren't paying out of pocket and drawing down savings or relying on family members to provide the services for you.