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Calculator / Long-Term Care Insurance

Long-Term Care Planning Calculator

Organize a projected care budget using a monthly amount and time horizon you choose. It is a planning exercise—not an estimate of premiums, eligibility, or public-program coverage.

Start with your assumptions

Use your own planning assumptions. You can revise them later as your care goals or resources change.

Methodology and limitations

Formula: monthly care budget × months of care − existing coverage − dedicated resources. Long-term care policy terms, premiums, eligibility, care settings, and public-program coordination vary. This is not individualized insurance, health-care, legal, or financial advice.

Source: NAIC: Long-Term Care Insurance