Make room for care in the plan.
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Care funding summary
48 months of care, starting at age 80.
Savings and income only. No insurance included.
Estimated care cost
$837,453Future dollars, with 3% annual care-cost inflation.- Insurance benefits used
- $0
- Income used
- $48,000
- Savings used
- $150,000
- Remaining funding gap
- $639,453
Savings remaining: $0.
What if care changes?
All other assumptions stay the same.
Attach your PDF to the quote request. Your entries are not sent automatically.
Year-by-year funding
| Care year / age | Care cost | Insurance | Income | Savings | Gap |
|---|---|---|---|---|---|
| 1 / 80 | $175,062 | $0 | $12,000 | $150,000 | $13,062 |
| 2 / 81 | $180,314 | $0 | $12,000 | $0 | $168,314 |
| 3 / 82 | $172,550 | $0 | $12,000 | $0 | $160,550 |
| 4 / 83 | $309,528 | $0 | $12,000 | $0 | $297,528 |
Planning illustration only, not an insurance quote. It does not predict care needs or recommend a coverage amount. Confirm local costs and policy terms with your advisor.
Assumptions and sources
Costs and timing
This scenario covers one person. Example ages, durations, and care settings are editable assumptions, not typical care needs. Costs compound monthly from the selected cost year using your annual inflation assumption.
Starting costs use the CareScout 2025 Cost of Care Survey (published March 2, 2026). Home care assumes 44 hours per week. Annual home and nursing costs are divided by 12. Local costs and care hours may differ.
Resources and coverage
Funding uses insurance first, then income, then savings. Resources are entered at care start, with no investment growth. Unused monthly income does not accumulate. This tool does not assess taxes or retirement affordability.
Insurance assumes all selected care qualifies after a calendar-day waiting period, using 30-day months. Payments are limited by eligible expenses, the monthly benefit, and the remaining fixed pool. Claim eligibility, shared benefits, premiums, and actual policy terms require separate review.
Getting long-term care quotes
How do I compare long-term care insurance options?
Request a quote review from Aligned Path Insurance Solutions, an independent insurance brokerage serving advisors and individuals. We can compare traditional LTC and hybrid coverage where available. Attach your scenario PDF so we can review the assumptions alongside actual policy benefits and premiums.
Request long-term care quotes or read the long-term care insurance guide.
Can I request a review with an existing health condition?
Yes. Describe the condition in your quote request so our team can review possible options. Eligibility depends on your health history, age, state, and the insurer’s requirements. This calculator does not assess eligibility or guarantee coverage.
The funding gap is an amount left to cover in your scenario. It is not a premium estimate or a recommended insurance benefit.