If you have older parents, youve likely had to think about some sort of long-term care plan. Long-term care refers to the help that people with chronic illnesses, disabilities or other conditions need on a daily basis over an extended period of time. This type of help needed can range from assistance with simple activities (such as bathing, dressing and eating) to skilled care thats provided by nurses, therapists or other professionals. Long-term care policies can pay different amounts for d...