Long-Term Care Cost Calculator
What could long-term care cost you? Use this simple calculator to estimate the potential cost of long-term care and see how insurance coverage could help reduce the amount you may need to pay out of pocket.
Current Age
What is your current age?
Estimated Monthly Cost of Care
How much do you estimate long-term care could cost per month?
Long-term care costs can vary significantly depending on location and the type of care needed.
Years of Care
How many years of care would you like to plan for?
Inflation
How much should we assume the cost of care increases each year?
Long-term care expenses may increase over time. This assumption helps illustrate what care could potentially cost in the future.
Years Until Care
At what age would you like to estimate needing long-term care?
Your Estimated Long-Term Care Costs
Estimated Monthly Cost
$16,750
Estimated Annual Cost
$201,003
Cost Over 3 Years
$603,008
Potential Amount Paid From Savings: $603,008
Without insurance coverage, long-term care expenses may need to be paid from personal savings, investments, retirement income, or other assets.
See How Insurance May Offset These Costs
Without Insurance
Potential Personal Cost
$603,008
With Insurance
Potential Insurance Benefits
$216,000
Remaining Personal Cost
Out-of-Pocket
$387,008
Potential Savings Protected
$216,000
The illustrated amount potentially covered by insurance.
Visual Comparison
Personal Savings (Optional)
How much do you currently have in savings, investments, or retirement assets?
Want to See What Long-Term Care Insurance Could Look Like for You?
Long-term care insurance options can vary based on age, health, benefit amount, coverage period, inflation protection, and other factors. Bell Insurance Solutions can help you explore available options and determine whether long-term care insurance may fit into your financial strategy.
Important Disclaimer: This calculator is provided for educational and illustrative purposes only. Results are estimates based on the information and assumptions entered and are not a quote, guarantee of insurance benefits, financial recommendation, or prediction of actual long-term care costs. Insurance availability, premiums, benefits, exclusions, limitations, and eligibility vary by carrier, policy, age, health, location, and other factors. Consult a licensed insurance professional regarding your individual circumstances.