Personal Care, Assisted Living, and Residential Care offer a much more homely setting than do nursing homes. Some residents live quite independently within the residential facility, while others require more assistance with daily living.
The cost of long-term care insurance does not seem to be a good option for some low income families but if long-term care insurance is availed early on in life, the cost is within the reach of the majority of the American population.
Do not get worried if you have not gone for an insurance plan till now and for our safety we must have the certainty that nothing can catch us unaware. And it is not important for us only, it is important for everybody around us.