To the editor:

At some point in our lives, about 60 percent of us will need assistance with things like getting dressed, bathing, shopping, driving to appointments or making meals. Once you reach the age of 65, there is a 70 percent chance that you will need long-term care services at some point in your future. Planning is critical, but many people are not sure what is covered by insurance and are often misinformed about what is covered by Medicare. In fact, in a 2015 survey of Americans over the age of 40, 36 percent mistakenly believed that Medicare would pay for ongoing care at home by a licensed home health aide or pay for them to live in a nursing home.

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