Most of us think of long-term care as an end-of-life issue for the elderly. The U.S. Department of Health and Human Services projects by age 65 and older 70% of us will experience a long-term care event in our remaining years. However, 43% of the 12 million Americans receiving long-term care today are between 18 and 64. The primary reason for their care is motor vehicle accidents followed by spinal injuries. The need for long-term care could arise at any time.