As the average lifespan increases, more people are planning for a longer time spent in retirement. But there's a huge need that people often ignore when planning for their golden years: long-term care.

Most of us envision spending our old age sitting on the porch surrounded by family members. For many seniors, though, their last few decades could be spent in assisted living facilities and nursing homes, relying on someone else to care for them. Many people need in-home care, as well.

If you don't want to or can't rely on Medicare to pay for your facility and determine your quality of life, start your research now. And read below to see which states have the priciest long-term care. For a complete state-by-state list from Genworth Financial, Inc., click here.

The nation's smallest state, Rhode Island boasts some of the highest costs for long-term care. A private room in a nursing room averages six figures, while licensed home care costs about $53,000 a year.

A popular destination for vacationers, Maine is home to lobster, beautiful coastlines and lighthouses. Unfortunately, none of those cozy lighthouses offer long-term care. The facilities that do have an average cost of $60,000 a year (lobster is probably not included). (For related reading, see: A Quick Guide to Medicaid and Nursing Home Rules.)

The first state in the union, Delaware comes in at number eight for average costs in long-term care. An average stay in assisted living is $68,000 while private nursing home rooms are about $117,000. (For related reading, see: Top 5 Strategies to Pay for Elder Care.)

Known for its rural beauty, New Hampshire is also famous for its state motto: Live Free or Die. Unfortunately, living free doesn't apply to long-term care, which costs about $63,000 a year.

Paradise comes with a price. Already famous for the high cost of living that comes with its pristine beaches, Hawaii ranks as the sixth most expensive state for long-term care. With an average cost of $63,000, retiring in the Aloha State is likely unaffordable for most.

Living in — or near — the Big Apple has its costs. If you want to retire in the Empire State, start saving early. The costs of receiving long-term care in New York range from $136,000 for a private room at a nursing home to $22,000 for adult day care.

If your dream retirement scenario is day-tripping in Atlantic City and walking the Jersey Shore boardwalk, pony up. Average adult day care costs start at $22,000 while a room at a nursing home is $127,000. (For related reading, see: Alternatives to Nursing Homes.)

Massachusetts isn't only known for heavy winters and the New England Patriots — its long-term care costs are also ranked highly. Slightly lower than Connecticut, its annual average long-term costs are $68,000, with adult day care being the cheapest option.

It shouldn't surprise anyone that two states from New England make up the top 10 list for most unaffordable anything. Connecticut's long-term care averages out at $73,000 a year, the most for the continental 48. (For more, see: Top 10 States for Affordable Long-Term Care.)

This sparsely populated state also has the highest costs for adult day care, licensed home care, assisted living and nursing homes. Average annual cost: $110,000, exceeding Connecticut's average costs by $40,000.

If you're living in a state with expensive long-term care, calculating if you can afford it in retirement is easy: You just need to see what the cost is, what your current long-term coverage is and identify if there's a gap. If you're not saving enough to afford staying in your state, consider moving to one of the more affordable states for long-term care. That way you can enjoy what remains of your golden years. (For related reading, see: Long Term Care Insurance: Who Needs It?)