<?xml version="1.0" encoding="UTF-8"?>				<article id="-251247565"><artname>Will Long-Term Care Risk Affect You?</artname><p>More than half of the US population <nodef>will</nodef> require some type of <glossary def="Services generally performed for elderly or disabled people who are unable to perform ordinary activities of daily living. " primary="Long-Term Care">long-term care</glossary> during their lives&#8212;nursing home care, home health care, <glossary def="A type of living arrangement in which personal care services such as meals, housekeeping, transportation, and assistance with activities of daily living are available as needed to people who still live on their own in a residential facility. In most cases, the residents pay a regular monthly rent. Then they typically pay additional fees for the services they receive." primary="Assisted Living Facility">assisted living facility</glossary> care, or rehabilitation facility care.</p><p>Nearly 5 million people over age 65 have difficulty carrying out daily living activities. As people age, their need for long-term care rises substantially, as shown in the figure below. More than half of people over age 85 need assistance with one or more of their daily living activities.</p><image file="_251247565_1_sm.gif" align="center" alt="Percentages of Men and Women Who Need Assistance Due to Disability" /><p>Women tend to live longer than men, and they are more likely to have a <glossary def="Inability to work because of illness or accident." primary="Disability">disability</glossary> that requires long-term care at some <nodef>point</nodef> in their lives.</p><p>Some conditions that eventually result in a need for long-term care can be hereditary. For example, if one or both of your parents had Alzheimer's disease, you are at greater <glossary def="The chance of loss due to the uncertainty of future events. Risks can be in political systems, unforeseen changes in management, investor emotions, etc. Uncertainties in exchange rates, interest rates, inflation, loss of principal, etc. are also considered risk." primary="Risk">risk</glossary> for the disease.</p><p>Long-term care can be required for several years or more. Among those who stay in a nursing home for more than three months, nearly one quarter <nodef>will</nodef> be there for three or more years.</p></article>	