October is long-term care planning month. Encourage seniors to look at their potential need for these services in the future. While no one can predict these needs, you should explore the options and discover what's available. Long-term care incorporates services outside of medical care such as support for every day living and basic personal care. Medical insurance does not usually cover these services, so advanced planning to cover the services is needed. Advance planning offers seniors more choices and decision-making opportunities. When seniors plan ahead, they have more time to save for long-term care, too.