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Long-Term Care Cost & Coverage Planner

If you eventually needed help with daily activities, how could you pay for it without placing too much pressure on your savings or family? Estimate costs, compare funding strategies, and see how much of that risk you could self-fund.

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Before You Begin

  • Results are estimates, for education only. This tool does not predict whether you'll need care, does not determine Medicaid eligibility, and does not give legal asset-protection advice.
  • Care-cost figures are illustrative national averages, not a local quote — actual costs, policy terms, premium increases, benefit triggers, and state rules all vary.
  • This tool never estimates insurance qualification and never recommends a specific carrier or policy. Get actual policy illustrations and consult licensed professionals, including an elder-law attorney, where appropriate.
  • Everything you enter stays in your own browser on this device. We don't send it to a server or store it on our end. Closing your browser's site data, or using "Clear my data" below, permanently deletes it.

1Household Profile

Health information is optional and used only for scenario education, never for underwriting.

Who are you planning for?

2Financial Profile

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3Care Preferences

Preferred care setting

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A note on guardrails This tool never predicts whether you'll need long-term care, never determines Medicaid eligibility, and never gives legal asset-protection recommendations. It never estimates insurance qualification and never recommends a specific carrier or policy. Costs, policy terms, premium increases, benefit triggers, and state rules all vary — get actual policy illustrations and consult licensed professionals, including an elder-law attorney, before making decisions.