Long-term care insurance (LTC or LTCI) helps provide for the cost of long-term care beyond a predetermined period. A person may need care for only a few months to recover from an acci Individuals who require long-term care are generally not sick in the traditional sense, but instead, are unable to perform the basic activities of daily living (ADLs). Long-term care insurance covers care generally not covered by health insurance, Medicare, or Medicaid. Long-term care isn’t necessarily long term. In looking for the that's right for you, make your choice based on the best mortgage terms a lender can offer you. Don't settle for anything else. If possible, you can ask for mortgage advice from experts, real estate agents, and even your friends who have recently bought a home.