Long-term care services are defined as those that help people with chronic conditions maintain their level of functioning. Medicare does not cover these services. Long-term care services include nursing homes, assisted living facilities, adult day care and homemaker/chore services. Long-term-care insurance can be purchased to provide coverage for these services. Some policies also cover care management, caregiver training and respite care to relieve a caregiver temporarily from the daily responsibilities of care giving. A person's individual financial situation and age will help us to determine whether long-term-care insurance is appropriate.