Cost of Care Calculator
Calculate how much long-term care costs in your state and estimate the coverage you need. Adjust the inputs to see personalized recommendations based on your age, location, and goals.
Coverage Calculator
Adjust the inputs below to estimate your ideal LTC insurance coverage.
Primary Care Type to Plan For
Your Recommended Coverage
With inflation protection: If you buy a policy today with 3% compound inflation, your $200/day benefit would grow to approximately $400/day by the time you need care.
How to Use This Calculator
Select Your State
Care costs vary significantly by location. Choose where you plan to receive care.
Choose Care Type
Plan for nursing home (highest cost), assisted living, or home care (most flexible).
Set Coverage Level
Most advisors recommend 50-75% coverage, supplementing the rest from savings.
Review Results
See your recommended daily benefit and total pool of money for your situation.
About the Data
Cost data is sourced from the Genworth Cost of Care Survey, the most comprehensive annual study of long-term care costs in America. Actual costs in your specific area may vary. Contact us for a personalized analysis.
Get a Personalized Quote
This calculator provides estimates. For an accurate quote based on your health, age, and specific needs, speak with one of our independent advisors.