What could long-term care cost you?
Care costs rise every year, and most people underestimate them until they're facing the bill. See a rough projection based on national average costs — then decide how you'd want to cover it.
Estimate your potential care cost
Based on national average costs today, projected forward to when care might begin.
Educational projection only, based on national average costs by care type — actual costs vary significantly by state, facility, and level of care needed. Not a guarantee, insurance quote, or financial advice.
Whether it's a hybrid life/LTC policy, standalone insurance, or a self-funding plan, the right approach depends on when you address it — ideally well before you need it.
Schedule a Free ConsultationThe risk is common — the planning for it usually isn't
It's more common than most people think
A large share of people turning 65 will need some form of long-term care during their lifetime — this isn't a fringe scenario to plan around.
Medicare generally doesn't cover it
Medicare covers limited, short-term skilled nursing care — not the extended custodial care most long-term care actually involves.
It can undo an otherwise solid retirement plan
An unplanned care need can force a spouse to draw down savings meant to last decades, in just a few years.
There's more than one way to fund it
Standalone LTC insurance, hybrid life/LTC policies, and disciplined self-funding are all legitimate strategies — the right one depends on your health, timeline, and balance sheet.
Keep planning
Retirement Income Estimate
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Compare your estimated benefit at 62, Full Retirement Age, and 70.
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