Nobody wants to think about the possibility
of needing long-term care. But if, somewhere down the line, you and/or
your spouse do need assistance, will you have the funds available to pay
for care? How much will an extended stay in a nursing facility or care
received in your own home cost? Will you be able to meet this cost and
still pay your and/or your spouse’s personal living expenses? Will there
be enough left over to provide an inheritance for your loved ones or your
favorite charity? Does it make sense to self-insure when private long-term
care coverage is available? This calculator will assist you in answering
these questions.

What is your
current age?

At what age do
you want to assume that you begin to use long-term-care
services?

What inflation
rate for long-term-care services do you wish to
assume?

%

What is the
current daily cost of a nursing/long-term care facility in your
area?
(The current average daily nursing home cost nationwide is
$206 according to the 2011 Field Guide, National Underwriter,
but in some areas of the country, and/or for a private room at a
high-quality facility, the daily amount can easily exceed
$300.)

$