As life expectancies continue to increase, no retirement plan is complete without some consideration of how the eventual need for nursing home care or other assistance might impact how long your retirement savings will last. Today, a 65-year-old man has a 30 percent chance of living to age 90, on average. For women, life expectancy is even longer. A 65-year-old female has a 30 percent chance of living to age 93. Longer lives inevitably mean a large number of us will need some form of assistance later in life, whether it is skilled medical care in a nursing home or help with basic daily living. The mere thought of having to spend any amount of time in a nursing home makes most of us cringe, both because of the high cost of such care and the lost independence that comes with it according to a recent report that ran in Sea Coast Online.