Over 12 million Americans of all ages with functional impairments today rely on personal assistance and other long-term services and supports (LTSS) in their home and community or in an institution to perform daily activities to maintain their quality of living and, when possible, their independence. Most of them receive services and supports from dedicated caregivers that enable them to cope with their cognitive or physical limitations with dignity. This book provides a report to the Congress of the Commission on long term care and discusses issues for congress on the factors affecting the demand for long-term care insurance.