Will You Need Long-Term Care? According to the federal government, a majority of people over age 65 will need some type of long-term care, with a significant number of people needing care in a nursing home. Learn what long-term care is and where it's provided. Develop strategies to pay for long-term care. Understand key features and government incentives for long-term care insurance. Recognize how Medicare and Medicaid factor into long-term care planning.