Long-Term Care Insurance Calculator

Premium and benefit analysis from age and health.

Current Age

Daily Benefit Amount ($)

Benefit Period (years)

Elimination Period (days)

Health Status

Inflation Protection

Gender

Married/Partner Discount

Tab to move between fields

Estimated Annual Premium

$3,720

Monthly Premium$310

Maximum Benefit Pool$219,000

Break-Even (years of premiums)58.9

Total Premiums Until Likely Claim$100,440

Self-Insurance Target$631,458

How to Use This Calculator

Enter current age and select daily benefit amount ($) (typical: $150-$300/day).
Set benefit period (years) (2, 3, 5, or unlimited) and elimination period (days) (30, 60, 90, or 180).
Select health status (excellent, good, fair) -- poor health may result in declined coverage.
Review estimated annual and monthly premium, maximum benefit pool ($), and break-even years of care.
Purchase before age 65 -- premiums increase significantly with age and health conditions.

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