Long-Term Care Cost Illustration
Estimate care costs, usable coverage and a funding gap for an entered care period.
Quick answer: Estimate care costs, usable coverage and a funding gap for an entered care period.
Projected long-term care cost is $206,026; net care cost after offsets is $144,826.
Funding gap is $104,826, or about $2,912 per care month.
Review insurance scenario assumptionsThis long-term care plan has a $104,826 funding gap after savings, benefits, insurance, and family support.
Review insurance scenario assumptions
- 1
Check the entered amounts
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- 2
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- 3
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Reviewed Nov 7, 2026 · Methodology
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Why This Matters
Medicare generally does not cover ongoing custodial care. Enter insurance benefits actually available for the full period. The savings-to-first-year-cost ratio is not a prediction of when money runs out.
How to Use It
- 1Enter the care setting, cost and whole-year period.
- 2Add inflation and insurance available throughout that period.
- 3Review total costs and the amount not covered by entered resources.
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