As medical advances help us live longer, the chance of needing long-term care or experiencing a disability increases. These costs can be substantial, especially if you require in-home assistance, assisted living, or nursing facility support. Traditional health insurance and Medicare often don’t cover these expenses fully, which can leave a significant gap in your financial security.

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Our calculator allows you to estimate this gap by combining your expected living expenses and projected care costs over the number of years you want to prepare for. From there, we subtract any savings or existing coverage to help you determine how much additional insurance might be necessary.

By running different scenarios, you can better understand the financial impact of long-term care and make more informed decisions about your coverage options. This planning step gives you and your loved ones peace of mind, knowing that care costs won’t erode your hard-earned savings.