Everyone hates to think about it, but there’s a chance many of us will require some sort of long-term care, whether it’s in-home from a skilled provider, in an assisted-living facility, or in a nursing home. We dislike the thought of not being able to take care of ourselves the way we want. And even though we’re living longer, many of us are one major heart attack, stroke, disease, or accident away from needing long-term care.