If you have created estate plans, you may feel like you are ahead of the game. Planning how your affairs are managed after you are gone is important, but you also need to think about what may happen as you age. According to the AARP, after people turn 65, there is a 50-50 chance they will require long-term care. Paying for long-term care is not inexpensive. The average cost of long-term care in the U.S. is $85,800 a year, but in some states, the costs are much higher.