Long Term Care Insurance Calculator
Jason Stolz CLTC, CRPC
Estimate Your Premiums Instantly with Our Long Term Care Insurance Calculator
Long-term care expenses can disrupt a retirement plan—especially when care starts at home and later shifts into assisted living or skilled nursing. This Long Term Care Insurance Calculator is designed to give you a quick premium estimate based on your age, gender, marital status, benefit amount, benefit duration, and inflation protection.
If you’re considering long-term care coverage, the first question is usually: “How much will it cost me?”
The numbers shown are estimates only—not formal quotes. Final rates vary by underwriting class, benefit structure, carrier pricing, and health history. This tool is meant to help you get directional clarity so you can compare strategy options with real numbers.
Want Real Quotes (Not Estimates)?
Use the quote request form to compare traditional LTC, hybrid options, and annuity-based LTC strategies.
Request Long Term Care QuotesStep 1: Submit Your Info to Access the Calculator
This keeps estimates behind a simple lead form so we can help you compare real carrier options if you want a full review.
What Affects the Cost of Long-Term Care Insurance?
Long-term care premiums vary based on age, gender, benefit design, duration, and whether you include inflation protection. Two people can select the same monthly benefit but get very different pricing if one is older, has different health history, or chooses a longer benefit duration. The goal of this calculator is to show how those levers change the estimate so you can quickly identify a comfortable premium range.
Age is the biggest pricing driver. The younger you apply, the lower your premiums tend to be for the same coverage—especially before the mid-60s. Waiting can also reduce eligibility and limit carrier options if new health conditions arise.
Gender also matters. Women often pay more because claim likelihood and claim duration tend to be higher. This does not mean women should avoid coverage; it means the plan should be sized and structured intentionally so it stays affordable long-term.
Benefit amount and benefit duration change the math quickly. Higher monthly benefits and longer durations increase the premium estimate because the potential claim size is larger. Many households choose a benefit that covers a meaningful portion of costs rather than trying to cover 100% of every scenario.
Inflation protection is a trade-off. Adding 3% inflation increases cost, but it can help reduce the risk of being underinsured later. If care is likely to be many years away, inflation protection may be a priority. If the plan is being designed for affordability first, inflation might be structured differently.
How We Help You Find the Right Coverage
At Diversified Insurance Brokers, we help you compare coverage designs that match the real-world way care tends to unfold. That can include traditional LTC, hybrid life + LTC designs, shared care structures for couples, and tax-advantaged strategies that leverage existing assets. If you want to explore options beyond estimates, you can start with our overview of traditional LTC plans and hybrid long term care options.
We are family-owned, licensed in all 50 states, and independent—so the goal is to help you compare strategy choices, not push a single company or a one-size-fits-all plan.
Need Help Choosing the Right Policy?
This calculator is a strong first step, but choosing a plan also depends on underwriting, household budget, asset protection goals, and who is most financially exposed if a care event lasts longer than expected. If you want a customized comparison, you can request quotes and we’ll map out options in a way that matches your priorities.
Get Personalized LTC Quotes
Compare traditional LTC, hybrid options, and annuity-based LTC strategies—matched to your age and goals.
Request Long Term Care QuotesHelpful Resources
Explore additional retirement income and annuity education resources.
Talk With an Advisor Today
Choose how you’d like to connect—call or message us, then book a time that works for you.
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Licensed in all 50 states • Fiduciary, family-owned since 1980
FAQs: Long-Term Care Insurance Calculator
What does this calculator estimate?
This calculator estimates an approximate monthly premium based on your age, gender, marital status, monthly benefit amount, benefit duration, and whether you include 3% inflation protection.
Are these numbers real quotes?
No. These are estimates only. Real quotes depend on underwriting class, health history, carrier pricing, benefit structure, and state-specific factors.
Why does age change the estimate so much?
Age typically has the largest impact on LTC pricing. Applying earlier often produces lower estimated premiums and can improve eligibility across more plan designs.
Why are the estimates different for men and women?
Pricing often differs by gender because claim likelihood and average claim duration differ. The calculator reflects that general pricing pattern.
What does inflation protection do?
Inflation protection increases benefits over time to help keep pace with rising care costs. Adding inflation typically increases premium estimates because future benefits can become much larger.
Why does marital status change the estimate?
This calculator applies an estimated “couples discount” for married applicants to reflect how some pricing models can look when underwriting and plan designs are coordinated.
Does the calculator include health conditions?
No. Health and medications can materially change pricing and eligibility. This tool is meant to provide directional guidance before underwriting.
How do I get actual LTC quotes?
Use the quote request form to compare real carrier options and designs: Request long term care quotes.
What should I choose for benefit and duration?
A common planning approach is to size benefits to cover a meaningful portion of expected costs, then balance duration with affordability. Many households choose a plan that reduces the “worst-case” risk rather than trying to insure every dollar.
Can I use this calculator if I’m age 50–79?
Yes. The age dropdown supports ages 50 through 79 with complete estimates across that range.
About the Author:
Jason Stolz, CLTC, CRPC, is a senior insurance and retirement professional with more than two decades of real-world experience helping individuals, families, and business owners protect their income, assets, and long-term financial stability. As a long-time partner of the nationally licensed independent agency Diversified Insurance Brokers, Jason provides trusted guidance across multiple specialties—including fixed and indexed annuities, long-term care planning, personal and business disability insurance, life insurance solutions, and short-term health coverage. Diversified Insurance Brokers maintains active contracts with over 100 highly rated insurance carriers, ensuring clients have access to a broad and competitive marketplace.
His practical, education-first approach has earned recognition in publications such as VoyageATL, highlighting his commitment to financial clarity and client-focused planning. Drawing on deep product knowledge and years of hands-on field experience, Jason helps clients evaluate carriers, compare strategies, and build retirement and protection plans that are both secure and cost-efficient.
