the question is no longer only, “what happens when i die?, but now we need to plan for “what happens if i live?” an estate plan covers the scenario of, what happens when i die. but long term care covers a large variety of other factors and scenarios that sometime families forget to consider such as what happens if i live but am not healthy and have increased health-care costs and need to rely on others for assistance, either temporarily or on a permanent basis. the estate plan does not address this need. an estate plan can help you answer the first question, but a long-term care plan can help 