If you have long-term care insurance, that’s the first place to check. Each contract has its own specific terms, benefits, coverage limits and qualifying events. If you’re evaluating a future need and you don’t currently have long-term care insurance, you may want to talk to an insurance professional to see what the costs and potential benefits are. Depending on your age and health status, it may still be affordable. You can also learn more about long-term care insurance by downloading the free “Guide to Long-Term Care Insurance” available at publications.usa.gov.