Long-Term Care Cost Projector

State-level LTC costs projected to your likely age of need using real medical inflation data from the Bureau of Labor Statistics. See what a nursing home or home health aide will actually cost when you need it most.

Location & Care Type

Your State

Type of Care

Home Health Aide Licensed aide visits your home, typically 4–8 hours/day

Assisted Living Private apartment in a residential care community with personal care services

Nursing Home (Semi-Private) Shared room in a skilled nursing facility with round-the-clock medical care

Nursing Home (Private) Private room in a skilled nursing facility with round-the-clock medical care

Age & Timeline

Current Age

Projected Age of Need

National average first need: age 75–80

Expected Duration of Care (years)

National average: 2.5 years. Women: ~3.7 years, Men: ~2.2 years

Existing Resources

What you already have in place reduces your funding gap.

LTC Insurance Annual Benefit

Annual benefit amount from any existing LTC policy.

Savings Earmarked for LTC

Total savings set aside specifically for long-term care.

Cost estimates are based on Genworth Cost of Care Survey data with regional adjustments. Inflation projection uses BLS Medical Care Services CPI (series CUUR0000SAM2). Premium ranges are illustrative, actual LTC insurance rates depend on age, health, benefit period, elimination period, carrier, and inflation protection riders.

Your LTC Cost Projection

Select your state to see your projection.

Why LTC costs are different from what most people expect

70% of Americans over 65 will need some form of long-term care, most for 2–3 years.
Medical costs inflate at roughly 2× the general rate of inflation, compounding significantly over 15–20 years.
Medicare does not cover custodial care, the daily help with bathing, dressing, and eating that most people need.
LTC insurance is substantially more expensive (or unavailable) if you wait until health issues arise.