Long-term care refers to a wide range of personal care, health, and social services for people of all ages who suffer a chronic disease or long-lasting disability. These services can be provided in a nursing facility, an adult day care center, or at home, and can involve some nursing care. You can choose from three daily benefit levels and the corresponding monthly premium that is right for your needs and budget. The plan is offered to you, your spouse, your parents and/or your parents-in-law.