Balancing the demands of work, family, and finances can be challenging. It can be difficult to focus on the present, let alone the future. But taking steps now to better manage your future can make a real difference in the quality of life for you and your loved ones.

Unfortunately, the future can change in an instant when you or a loved one suffers a devastating injury or serious illness that requires long-term care, which is the assistance provided when you need help with the activities of daily living, such as eating, bathing, or dressing, due to injury, illness, or aging.