Long-term describes a wide range of services intended to address the mental and physical requirements of people who suffer from a chronic disease or impairment and need regular health care and personal care for a protracted period of time (Harris et al., 2019) . Assistance with daily living activities including clothing, cleaning, and washing; household chores; company; and medical care are just a few examples of the services that may be provided. (Harris et al., 2019) . Various facilities, such as care homes, assisted living communities, home-based health care, adult daycare centers, and hospices offer long-term care .

Out-of-pocket costs and insurance are examples of private sources of funding. Long-term care insurance policy covers all or part of the expense of long-term care services like nursing home care, home care, and adult day care. Costs for medical treatment, prescription medications, and other services not covered by insurance can all be considered expenses (Feng et al., 2020) . As long-term care can be costly, it is crucial to plan in advance so that patients can readily have the resources available to pay for any care they requi re.