The older you are, the higher the odds that you will need long-term care at some point in your life. The cost of long-term care runs, on average, over $80,000 a year across the country. The State of Illinois is about on par with the national average, running just under $80,000 a year, on average, for long-term care. Most private health insurance plans will not cover the costs nor will Medicare, which is why over half of all seniors to turn to Medicaid for help covering the expenses of long-term care. Qualifying for Medicaid, however, can be problematic because of the income and asset limits that are imposed on applicants. By including Medicaid planning in your overall estate plan you can protect your assets and set yourself up to qualify for Medicaid benefits in the event you need them down the road.