Long-Term Care Insurance Calculator
Estimate long-term care insurance premiums and compare the cost of coverage versus self-insuring.
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Long-term care insurance covers nursing homes, assisted living, and home health aides. About 70% of people over 65 will need some form of long-term care. Women pay 40-50% more because they statistically use LTC services longer. Buying at age 55-60 is the sweet spot — premiums are manageable and you're likely to qualify on health.