• It is difficult to predict how much or what type of long-term care you might need. Several things increase your risk of needing long-term care.

    • Age — The risk generally increases as you get older.
    • Gender — Women are at higher risk than men, primarily because they often live longer.
    • Marital status — Single people are more likely than married people to need care from a paid provider.
    • Lifestyle — Poor diet and exercise habits can increase your risk.
    • Health and family history — These factors also affect risk.