Life expectancy continues to increase, and more and more families are separated by jobs in distant cities. These factors make planning for our long-term care more critical than ever.  While costs vary around the country, it is not unusual for a nursing home to cost $70,000 or more a year. Everyone should at least consider if long-term care insurance is right for them by discussing the matter with their trusted insurance advisor or attorney. Medicare provides some coverage but not for a long stay. For some families, planning for potential Medicaid eligibility is important.  There are certain things that can be done to help protect a family’s assets while still being eligible for Medicaid benefits, but the sooner you address that issue the better.  Some techniques must be completed at least five years before applying for Medicaid, while a few others can be done shortly before application. This is a special area of practice for some attorneys, social workers, and financial planners. If your family circumstances make long-term care a real concern, seek competent help sooner rather than later.