long-term care insurance inscription with the view of stethoscope, eyeglasses and smartphone on the blue background

activities activity age american and assisted background blue care caregiver chronic cloud concept conceptual conceptualn cost disability disease doctor document elderly expense eyeglasses facility form government health help home hospice hygiene image inscription insurance living long longterm ltc medical medicals medicine need nurse nursing older paid personal planning program residential risk senior service smartphone stethoscope teacher term view white word work