With old age comes illnesses and other health complications. Most chronic diseases are associated with aging. For elders who have hired the expertise of formal caregivers, they have someone who understand how to understand and care for them. However, this is costly..unless you have long term care insurance, everything is taken cared of. This is the importance of having ltc insurance which many people overlooked. Studies show that many Americans are considering getting one but only a few have actually purchased it. Seniors who have been diagnosed with chronic illnesses require special care and attention. It is important therefore to have a better understanding of these illness so we can cope up with it effectively.