Step 1About You
Step 2Care Preferences
Step 3Coverage Design
Step 4Results
Tell us about yourself
Basic information to frame your long-term care estimate.
yrs
For LTC statistics context
Care preferences
Select the type of care you'd like to plan for. Costs reflect 2025 CareScout data.
Annual cost for Nursing Home (Semi-Private) in National Average:
$115,000/yr
$9,583/mo · $315/day
Design your coverage
Configure your benefit period, elimination period, and inflation protection.
Average LTC stay is approximately 3 years
The waiting period before benefits begin
Protects against rising care costs over time
Projected annual care cost at age 80 with inflation:
$0/yr
Based on 25 years of 3% compound inflation
Estimated Coverage Gap
$0
Projected benefit pool needed at age 80 — not a quote or offer
Annual Care Cost (US, Nursing)
$0
Benefit Pool Needed
$0
Cost at Age 80
$0
Benefit Pool at Age 80
$0
How This Connects to Your Bucket Plan
See how your retirement income sources stack up against potential care costs.
Social Security, pensions, Soon Bucket distributions
$
Typical living expenses (housing, food, healthcare, etc.)
$
Needs vs. Self-Funding Capacity
Disclaimer: This calculator is for educational discussion only. It is not an offer of insurance, not underwriting, and not tax or legal advice. Vantage Point Financial LLC is a registered investment adviser.
Cost data sourced from 2025 CareScout/Genworth surveys. Actual costs vary by provider, location, and level of care. Inflation projections are illustrative. Consult a licensed insurance and financial professional before purchasing coverage.