Long-Term Care Insurance Cost Calculator
Estimate long-term care insurance premiums and potential care costs to determine if LTC insurance makes sense.
Calculation Inputs
Calculation Results
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Enter inputs on the left and click Calculate to view results.
Formula & Methodology
Max Benefit = Monthly × 12 × Years; Premium based on age, benefit, and inflation option
70% of Americans will need some long-term care. Average nursing home cost is $100,000+/year. LTC insurance protects assets.
Frequently Asked Questions
When should I buy long-term care insurance?
Ideal buying window is 50-65 years old. Premiums are lower when younger and healthier. Waiting too long risks being denied due to health issues.