Costs

How much long-term care coverage do you need?

Estimate the total benefit pool a policy should provide — based on your target monthly benefit, how many years it should last, and whether you want inflation protection. Free, instant, no email required.

Written by REPLACE_WITH_REAL_NAME, REPLACE_WITH_REAL_CREDENTIALS_OR_LICENSE · Reviewed by REPLACE_WITH_REAL_NAME · Last updated 2026-09-15

Target monthly benefit Use the cost calculator to see what care actually costs in your state and care type — a common approach is to target a monthly benefit close to that number.

Benefit period See how elimination periods and benefit periods work.

Inflation protection See simple vs. compound inflation protection.

Years until you might start using the policy Inflation protection grows your benefit pool every year you hold the policy, before you ever file a claim — this is when that growth compounds.

Total benefit pool this policy design would provide

	Monthly benefit
Today's target	$0
At the year you might start a claim	$0

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How this estimate is calculated

Every figure and assumption behind this calculator is listed here — nothing is hidden:

Total benefit pool = monthly benefit × 12 × benefit period (in years). This is the maximum a reimbursement-style policy would pay out over its lifetime, ignoring inflation growth for the "today's target" row.
Inflation growth. If you select 3% or 5% compound protection, your monthly benefit is compounded forward for the number of years you selected until a possible claim — the "at the year you might start a claim" row and the total both reflect that grown amount, the same way a real compound inflation rider works.
What this doesn't include: premiums, elimination-period costs, or any specific carrier's actual policy terms. This is a planning estimate, not a quote — see get a free cost comparison for real numbers on real policies.

General estimate only, for education — not a quote, and not insurance, tax, or financial advice. A licensed agent can help you size a policy to your actual situation.

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