Long Term Care Long-term care is not a single activity. It refers to a variety of medical and non–medical services needed by those who have a chronic illness or disability—most commonly associated with aging.Addressing the potential threat of long-term care expenses may be one of the biggest financial challenges for individuals who are developing a retirement strategy. Long-Term-Care Protection StrategiesThe chances of needing long-term care, its cost, and strategies for covering that cost. Extended Care: A Patchwork of PossibilitiesWhat is your plan for health care during retirement? Have a Question About This Topic? Name Email Phone Question Thank you! Oops!