LTC Premium Calculator
Estimate your long-term care insurance premium from age, benefit, and waiting period.
Your age and care-cost estimates stay on this page — never uploadedTry: Age=55, Gender=f, Daily benefit=150, Elimination period (days)=90, Benefit years=3, Inflation protection=y → $203, $150, 90d / 3y, Yes, Estimate only — real rate from insurer
How to use
Premiums climb with age, a shorter elimination period, and a longer benefit term. Add inflation protection for a higher but safer premium. This is an estimate, not a quote.
FAQ
Why does age drive price?
The chance of needing care rises sharply with age, so locking in earlier is far cheaper.
Is this a quote?
No — it is a planning estimate from standard factor tables.