Many medicare beneficiaries think that once enrolled in Medicare, long term care will be paid in full. By definition the needs for LTC would be if you could not perform one or two of the six activities of daily living (ADL’s.) Eating, bathing, getting dressed, toileting, transferring and continence. If you need someone to help you at home Medicare will not pay. Being moved to a facility? You are going to be on the hook. Once you celebrate your 50th birthday you should start to seriously consider purchasing a policy. Your kids will thank you, later on.