Long-term care (LTC) involves a variety of services designed to meet a person's health or personal careneeds for a period of time and can occur at any age. These activities (also called “activities of daily living”) include bathing, dressing, eating, using the toilet and moving around (e.g., getting out of bed and into a chair) and are very expensive. See what the average cost of long-term care is in your state here. These costs are paid out-of-pocket by the patient.