Calculators › Disability & long-term care

Long-term care insurance needs calculator

LTC policies pay a daily or monthly benefit rather than a lump sum, so the number that matters is the gap between care costs and the income you would still have.

Care cost per day ($)Retirement income ($/mo)Assets available ($)Benefit period (years)

This is an educational tool, not a quote or advice. It uses general formulas and the figures you enter. Policy terms, state rules and insurer practice vary, so check anything important with a licensed agent.

More disability & long-term care calculators

Disability income gap

Find the monthly shortfall between your expenses and the benefits you would receive if you could not work.

Long-term care cost

Project the future cost of nursing home or home care given today’s rates and care inflation.