Long-Term Care Calculator
Estimate your long-term care insurance premium based on your age, desired coverage period, and daily benefit amount. Plan for future care needs.
LTC Insurance Estimator
Estimated LTC Premium
Based on your inputs
per month
Total Coverage Benefit
Frequently Asked Questions
What does long-term care insurance cover?
LTC insurance covers nursing home care, assisted living, home health care, and adult day care for those with chronic illnesses or disabilities.
When should I buy LTC insurance?
Most advisors recommend buying in your 50s or early 60s, before health issues develop. Premiums increase significantly with age.
How much coverage do I need?
Experts recommend $150-$300/day benefit with a 3-5 year period. Calculate based on local care costs and the likelihood of needing extended care.
Does Medicare cover long-term care?
Medicare does not cover most LTC services. It only covers limited skilled nursing or home health care after a hospital stay.
LTC vs. disability insurance?
Disability insurance replaces income. LTC insurance covers the cost of custodial care services when you need help with daily activities.
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* Estimate only. Actual policy cost depends on individual qualifications and carrier rules.