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    You've got a number of options when you look for long-term care for your loved one. But first you need to answer some key questions about his health and finances.

    "Ask yourself, 'What type of help does my loved one need to live as independently as possible?'" says Leah Eskenazi, director of operations at Family Caregiver Alliance in San Francisco.

    Then figure out how much of that care you can provide, how much friends and relatives can pitch in, and how much you and your loved one can afford to pay to get extra help.

    Medicare, the federal health insurance program for people over 65, doesn't cover long-term care. Your loved one may need to use his personal savings or benefits from long-term care insurance, if he's got it.

    If your loved one spends all his savings on care, he could be eligible for Medicaid, a joint federal-state program that pays some medical costs for people with low incomes. It covers some types of long-term care.

    Long-Term Care in the Home

    If your loved one lives in your home or his own, you'll need to make a caregiving plan using a variety of sources.

    "That's what caregiving is: scheduling, coordinating, and providing care," says Nancy Wilson, assistant director of the Huffington Center on Aging at Baylor College of Medicine in Houston.

    Make a list of everything your loved one needs that you can't handle on your own. Ask friends and family to take on some of these tasks and find services for the others.

    Here are some services you might find in your area:

    Transportation. Services from public transit might be able to help your loved one get around.

    The Americans with Disabilities Act requires public transit agencies to offer door-to-door service for people with disabilities in their area who can't use regular public transportation.

    Private agencies and nonprofit groups can also help get your loved one to doctor appointments.

    Meal programs. You can find them at senior centers, churches, housing projects, community centers, and schools. Your loved one may be able to get lunches on-site for a small fee.