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Your Long-Term Care Profile
Enter your details to project costs at years 5, 10, 15, and 20
Personal Information
Type of Care
Your Long-Term Care Cost Projection
Projected Monthly Cost
Cumulative Cost If Care Begins at Each Year
| Care Starts In | Monthly Cost (then) | 2-Year Total | 5-Year Total |
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Coverage Options to Explore
Projections use 3.5% annual healthcare inflation on 2025 median national costs. Actual costs vary significantly by state, city, and facility. State cost multipliers are applied. This is educational only — consult a financial advisor or LTC specialist before making insurance decisions.
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Frequently Asked Questions
How much does long-term care cost in 2025? ▼
In 2025, average monthly costs are approximately: home health aide $5,200, assisted living $4,900, memory care $6,800, and a private nursing home room $9,700. Costs vary significantly by state and region. With 3.5% annual healthcare inflation, these figures roughly double every 20 years.
Does Medicare cover long-term care? ▼
Medicare covers skilled nursing care for up to 100 days following a qualifying hospital stay, but does NOT cover custodial care — the daily help with bathing, dressing, and eating that most people mean when they say "long-term care." Medicaid covers LTC for those who qualify financially, but requires spending down most assets first.
When should I buy long-term care insurance? ▼
The ideal window is between ages 52 and 64. Premiums are substantially lower in your 50s, and you're more likely to qualify medically. By age 65, premiums are significantly higher and 30% of applicants are declined for health reasons. Waiting until you need LTC means you cannot buy coverage at all.
What is a hybrid life/LTC policy? ▼
A hybrid life/LTC policy combines life insurance with a long-term care rider. If you need LTC, the policy pays benefits. If you never need care, the death benefit goes to your heirs. These policies solve the "use it or lose it" objection to traditional LTC insurance, though they typically require a larger upfront premium.
Are LTC insurance premiums tax-deductible? ▼
In some cases, yes. LTC insurance premiums may be tax-deductible as a medical expense if you itemize deductions and they exceed 7.5% of your adjusted gross income. The deduction is subject to limits based on your age. See the full tax optimization guide on TaxStack to understand how LTC fits into your overall retirement tax strategy.
How do I protect assets while qualifying for Medicaid? ▼
Medicaid planning as an LTC alternative requires legal guidance to protect assets for a surviving spouse while qualifying. Strategies like asset transfers, trusts, and annuity conversions can help. See estate planning tools on LegalStack for an overview of elder law and Medicaid asset protection strategies.
Where do LTC costs fit in a retirement investment plan? ▼
Long-term care is one of the largest uninsured risks in retirement. Planning how to fund it alongside Social Security, Roth conversions, and withdrawal sequencing is key. See retirement investment strategies on FinanceStack to integrate LTC planning into your broader retirement financial plan.
What about assisted living — is it cheaper than a nursing home? ▼
Assisted living facilities typically cost less than a private nursing home room — about $4,900/mo nationally vs. $9,700/mo for a nursing home — and offer a different level of care. If you're considering assisted living as part of your LTC plan, explore retirement community options on RealEstateStack.