As we age, we make plans for our future. We’re looking at pension plans, retirement strategies, housing needs and travel dreams.

Long-term care is something that needs to be part of your plans for your later years. Long-term care is more than just insurance: it’s your strategy for how you plan to manage your lifestyle as you get older.

Here are five steps you need to make sure your long-term care plans are complete:

1. Learn the basics. More than 70 percent of people turning age 65 will use long-term care at some point in their lives. Long-term care is not medical care, but assistance with the basic personal tasks of everyday life, such as bathing, dressing, using the toilet, eating or more.

2. Talk out your plans with loved ones. If you would need assistance taking care of yourself who might provide your care? Are you planning on depending on a family member for assistance? Do you want to stay in your own home if possible?

3. Consider the likelihood you’ll need care. Women outlive men by about five years on average and are more likely to live alone when they are older. Those with a chronic health conditions, such as diabetes or high blood pressure, are more likely to need help with daily living.

4. Think about how much coverage you might need. The median private pay rate for a semi-private room in a South Dakota nursing home in 2013 was $186 per day. That is $67,890 per year.

5. Talk to your insurance agent about your options. There are a variety of plans and types of long-term care insurance coverage. Your agent can help you figure out what will meet your needs.