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Welcome — plan before care is urgent
If future long-term care costs worry you — and you want to see how today’s assets might hold up — this educational hypothetical is built for that conversation. Enter countable assets, the state and setting where care might be received, when it might start, and how long it might last. Optionally include a long-term care insurance design. The model then shows how the pool is used against those costs, how long funds last, when a shortfall begins, and how insurance paying first can change the picture. View or download a report with your numbers, charts, and educational notes. Run it incognito with no name, or add contact details. Nothing is retained on this site. A copy is shared only with you and, if you choose, an insurance professional or other representative you name. Disclaimer and privacy terms are in the footer. You can type or use voice. The Ask the model assistant can answer related questions from this hypothetical’s sources. This is not a quote or advice. Contact a licensed professional for your situation.
Celeste reads this welcome when the page loads. Disclaimer and privacy are in the footer.
1. Countable Assets at Risk
Enter today’s values. Leave unused lines at 0. Totals are not reduced for selling costs or illiquidity.
Gross 3.0%. Net after tax 2.55%.
* Spouse excluded assets.
Countable pool is hidden until you calculate countable assets.
NAIC Shopper’s Guide and Suitability Worksheet
Official NAIC consumer booklet (2022). Many states require this guide at sale. Open or download A Shopper’s Guide to Long-Term Care Insurance (PDF).
Suitability worksheet (Model Regulation #641, Appendix B / IIPRC PDF). Pages 48–51 of the NAIC Shopper’s Guide print this worksheet and “Things You Should Know Before You Buy Long-Term Care Insurance.”
NAIC Shopper’s Guide pages 48–51 (HTML)
Educational HTML copy of the printed Shopper’s Guide pages. Pages 48–49 are the fillable Personal Worksheet. Pages 50–51 are “Things You Should Know Before You Buy Long-Term Care Insurance.” Not a carrier filing. Official Shopper’s Guide PDF · IIPRC source PDF.
Shopper’s Guide · page 48 of 51
Long-Term Care Insurance Personal Worksheet
This worksheet will help you understand some important information about this type of insurance. State law requires companies issuing this policy, certificate, or rider to give you important facts about premiums and premium increases and to ask you important questions to help you and the company decide if you should buy it. Long-term care insurance can be expensive and it may not be right for everyone.
Premium information
The premium quoted in this worksheet isn’t guaranteed and may change during underwriting and in the future while coverage is in force.
Type of policy and the company’s right to increase premiums
- Noncancellable — the company can’t increase your premiums on this coverage.
- Guaranteed renewable — the company can increase premiums in the future if it increases premiums for all like coverage in this state.
- Paid-up — coverage is paid-up after you have paid the premiums specified in the contract.
Premium increase history
The company discloses whether it has sold long-term care insurance, how long this form has been sold, and whether premiums on this or similar coverage increased in the last ten years. A summary of increases, if any, belongs with this worksheet.
Continue on page 49 for income, assets, and signatures. Use the fillable HTML form to answer.
Same NAIC Model #641 Appendix B fields as before: income, assets, reasons for buying, and whether a policy appears suitable. Educational copy — not a carrier application.
Official NAIC consumer materials used in this hypothetical: A Shopper’s Guide to Long-Term Care Insurance (PDF) · Personal Worksheet and “Things You Should Know,” pages 48–51 · NAIC / IIPRC Personal Worksheet (suitability PDF) · NAIC Long-Term Care Insurance Model Act #640 · NAIC Long-Term Care Insurance topic. Many states require the Shopper’s Guide at sale. The worksheet is an educational copy — not a carrier application or a state filing.
The National Association of Insurance Commissioners (NAIC) has not endorsed or approved this hypothetical as an official planning tool for the organization. Contact a professionally designated advisor or consultant for legal, tax, and financial advice.
2. Where and when care starts
Required to run. Must be 40 or older.
Required to run. Care costs, Medicaid figures, and Partnership notes use this state.
Defaults to the care state. Reciprocity is shown only if you pick a different issue state.
Required to run.
Required to run.
3. Insurance
Based on the countable assets you’ve input, you meet NAIC financial suitability standards. This does not indicate insurance is right for your individual situation; however, you can still proceed through the hypothetical modeling.
Check Include long-term care insurance in the run to add a policy.
To run, complete:• State where care would be received• Care setting• Age today (40+)• Years of care to model
This Long Term Care Asset Utilization Modeling tool is an educational hypothetical only. It is not a quote, illustration, or advice. Viewing, downloading, or sharing a report is agreement to these disclosures and terms of use. © 2026 Adaptive Marketing Group & Funding LTC Marketplace. All rights reserved.
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This material is not tax advice, legal advice, investment advice, insurance advice, financial-planning advice, eldercare-planning advice, or Medicaid advice. It is not an illustration, offer, solicitation, recommendation, or quote of any insurance policy, security, annuity, or investment. It is not a determination of Medicaid, VA, SSI, Medicare, or tax eligibility, and it is not a substitute for an outline of coverage or a policy contract. Insurance in this model does not pay until a benefit trigger is certified and any elimination period has run — see Benefit triggers below.
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Outputs are not a NAIC or company policy illustration, not an outline of coverage, not a premium quote, and not an offer or solicitation to buy or sell any insurance, annuity, or security. Premium, daily benefit, inflation rider, Partnership, and hybrid figures are user-entered or simplified planning math. Real policies require underwriting, a licensed producer, and the carrier’s forms. Benefit triggers, elimination periods, exclusions, and premium-change rights apply — see the Benefit triggers section. Do not present this PDF to a client as “the policy.”
Nothing on this site is a determination of Medicaid, SSI, Medicare, VA pension, Aid and Attendance, disability compensation, or tax eligibility or amount. Partnership “protected” assets, CSRA, QIT, MAPT, spend-down, SSI resource limits, and VA MAPR/compensation tables are educational summaries of published rules. This model does not assume Medicaid will still be solvent, or that any Medicaid benefit, payment rate, eligibility test, or Partnership disregard will remain the same when care is needed; Congress, CMS, the state legislature, or the state Medicaid agency may reduce, increase, delay, restructure, or otherwise adjust the program through legislation, regulation, budget action, or other government action. Only the relevant agency, a court, or a qualified attorney or VSO can apply those rules to a household. Do not spend down, gift, or file a claim solely on this model.
Care costs are rounded annual medians from published Cost of Care surveys (CareScout https://www.carescout.com/cost-of-care and Genworth https://www.genworth.com/aging-and-you/finances/cost-of-care , 2025 survey published 2026, where used). SSI, Medicaid spousal, SIL, and related federal figures follow SSA (https://www.ssa.gov/oact/cola/SSI.html) and CMCS (https://www.medicaid.gov/federal-policy-guidance/downloads/cib12092025.pdf) publications for the stated year. VA pension MAPR, net worth, and disability compensation follow va.gov (https://www.va.gov/pension/veterans-pension-rates/ and https://www.va.gov/disability/compensation-rates/veteran-rates/) for the stated rate period (generally December 1–November 30). Full clickable list is on the Copyright & terms Sources section. The Publishers have no duty to notify you of later changes after you leave the page. Re-check official sources before any decision.
Results follow the numbers and checkboxes you enter (assets, exclusions, ROI, tax rate, care setting, delay, duration, CPI, policy design, Partnership, veteran status, and optional sections). Garbage in, garbage out. The Publishers do not verify your facts, health, insurable interest, or marital status.
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Figures change with the assumptions you enter (care setting, timing, CPI, returns, tax rate, and any benefits). State care costs are rounded annual medians from the CareScout / Genworth Cost of Care Survey 2025 (published 2026). A local provider’s price may differ.
Planning figures were drawn from the following public pages. Links open the publisher’s site. Re-check before any decision — agencies update tables, often each January 1 or December 1.
CareScout Cost of Care — Rounded annual medians from the Cost of Care Survey 2025 (published 2026), formerly circulated as Genworth Cost of Care. Local provider prices differ. 24-hour home care in this model is a planning multiple of the published 44-hour home-care median, not an agency quote.
Genworth Cost of Care — Historical survey tables; CareScout now publishes the annual survey.
AARP Public Policy Institute — LTSS — Used for healthcare / LTSS inflation discussion (including AARP PPI material circulated March 2026), not as a state-by-state price list.
U.S. Bureau of Labor Statistics — Consumer Price Index — This model lets you enter a compound CPI assumption; it is not the BLS medical-care index itself.
IRS — Tax year 2026 inflation adjustments (Rev. Proc. 2025-32) — Ordinary rates 10–37% and long-term capital-gain / qualified-dividend 0% / 15% / 20% thresholds used in the R.O.I. tax-rate dropdown. This model applies one flat planning rate to taxable asset growth — not a Form 1040.
26 U.S.C. §101(g) — Chronic-illness and terminal-illness accelerations of a life death benefit. 2026 per-diem exclusion $430/day (Rev. Proc. 2025-32) for indemnity paid to a chronically ill insured; terminal illness has no per-diem cap. Distinct from IRC §7702B tax-qualified LTCI.
SSA — SSI federal payment amounts — 2026 FBR and related COLA. Resource caps ($2,000 / $3,000) are statutory.
SSA — Supplemental Security Income — Cash benefit rules; not the same as Medicaid LTC.
CMCS Informational Bulletin (Dec. 9, 2025) — Federal 2026 SSI FBR, SIL (300% of FBR), CSRA min/max, MMMNA, home-equity caps, MSP resource standards.
Medicaid.gov — Spousal impoverishment — CSRA, MMMNA, and related federal standards. State manuals may add procedure.
Medicaid.gov — Federal Medicaid home. State agencies apply eligibility, spend-down, QIT, and Partnership rules.
Medicaid.gov — LTSS — Nursing facility, HCBS waivers, and related LTSS — not a determination of eligibility.
Medicaid.gov — eligibility — Income-cap states may allow a QIT (Miller Trust). Confirm the state rule.
42 U.S.C. §1396r-5 — Federal CSRA / MMMNA framework. States apply the numbers each year.
Medicare.gov — what Part A covers — Hospital insurance. Limited skilled-nursing days are not custodial long-term care.
Medicare.gov — what Part B covers — Medical insurance. Not custodial home care or assisted living room and board.
Medicare.gov — Medicare Advantage (Part C) — Private replacement of Original Medicare. Still not custodial long-term care.
Medicare.gov — Part D — Outpatient drugs. Does not pay the care setting.
VA — Veterans Pension eligibility — Wartime periods, service, and age/disability tests.
VA — Veterans Pension rates — MAPR, Housebound, Aid and Attendance, net worth, extra child, penalty rate. Rate year 12/1/2025–11/30/2026.
VA — Survivors Pension rates — Surviving-spouse basic, Housebound, and A&A MAPR.
VA — Aid and Attendance and Housebound — Clinical tests for pension A&A vs Housebound (cannot stack).
VA — Veterans disability compensation rates — 10%–100% veteran-alone and dependent rates, effective December 1, 2025.
SSA POMS SI 00830.308 — Aid and Attendance / Housebound often treated as reimbursement, not countable SSI income. State Medicaid may follow SSI-style rules — confirm locally.
IRS Publication 502 — Medical and Dental Expenses — Age-based eligible LTC premium and medical-expense deduction context (IRC §213(d)(10), §7702B).
26 U.S.C. §7702B — Federal definition of a qualified long-term care insurance contract and per-diem rules.
26 U.S.C. §1035 — Tax-free exchange of life, endowment, annuity, and qualified long-term care contracts (Pension Protection Act of 2006 added QLTC after 12/31/2009).
CFP Board Code of Ethics and Standards of Conduct — Standard A.1 fiduciary duty when providing Financial Advice; cannot be waived.
Funding LTC Marketplace — case studies — Educational state notes linked from this model (including spend-down). Not a determination of eligibility.
Medicare.gov — long-term care coverage — Medicare does not pay for most long-term care (custodial help with ADLs or residential assisted living / nursing that is not skilled).
Medicare.gov — Medigap (Medicare Supplement) — Supplement policies pay Original Medicare cost-sharing. They are not long-term care insurance.
NAIC — Long-Term Care Insurance topic — Regulator background, model laws, and consumer resources. Not a quote or a state filing.
A Shopper’s Guide to Long-Term Care Insurance (PDF) — NAIC consumer guide on benefit triggers, elimination periods, inflation options, exclusions, and the free-look period. Many states require this guide at sale.
NAIC Model Act #640 (PDF) — Model law requiring an outline of coverage, free-look, and consumer protections. States adopt with variations. Not a policy.
IIPRC Individual LTC Outline of Coverage (IIPRC-LTC-I-3-OC) (PDF) — Compact uniform standards and Appendix A standard-format outline. Blank company/state placeholders. Used as the specimen layout in this hypothetical — not a filed policy.
IIPRC / NAIC LTC application form standards — Personal Worksheet (PDF) — Includes the Long-Term Care Insurance Personal Worksheet (suitability). Educational copy only — not a carrier filing or an application. Complete the fillable HTML worksheet on this site to submit.
American Association for Long-Term Care Insurance — Trade-association paid-claims releases (including 2006–2023 nationwide totals and 2024 Connecticut Partnership sample mix). Not a statutory filing.
AALTCI — Paid LTCI claims increased in 2023 — $14.1B paid to about 353,000 people (traditional LTCI). Linked-benefit omitted.
AALTCI — 2024 LTCI claims data — Connecticut Partnership sample: 6,878 claimants, mean age 81, home-health-aide 53%. Not a U.S. census.
AALTCI — Top reasons for an LTC insurance claim — Alzheimer’s about 1 in 4 new claims; stroke, arthritis, injury, and circulatory each about 9%. Age mix: cancer/injury earlier; Alzheimer’s after 75.
AALTCI — Ages when LTCI claims begin — 25% of 2018 new claims at 81–85; 27.2% at 86–90; 17.5% at 91+. Nearly half after age 86.
AALTCI — Decline rates reported (2019 Milliman applications) — Decline 19.4% at 40–49 and 53.6% at 75+. At least one spouse declined: 35% (40–49) to 78.5% (both 75+).
Health Affairs / Cornell — Medical underwriting in LTCI (PMC) — Diabetes, stroke, obesity, and any ADL difficulty were the strongest medical barriers to approval among 2010 applicants.
NAIC Long-Term Care Insurance Experience Report (2024) — Company-level earned premium, incurred claims, and lives in force. Statutory experience forms.
Milliman — LTCI industry through 2024 — ~$17B incurred, ~5.8M stand-alone lives, average claim ~$180k. Published 31 Dec 2025.
Milliman — Annual U.S. industry LTCI claims projection (2025) — Peak paid claims near $42B around 2041 in a no-new-sales projection. Not a guarantee.
Genworth / CareScout — LTC claims experience — Carrier materials: $32B+ paid and 389,000+ claims through 31 Dec 2024; ~$35B through 31 Dec 2025 (4Q 2025 earnings). One company, not the industry total.
Genworth Financial Form 10-K (year ended 31 Dec 2025) — GAAP premiums, liability remeasurement, actual-to-expected (A/E) variances, and remaining expected benefits vs premiums. Not a statutory loss ratio.
Virginia Bureau of Insurance — Genworth Choice I SERFF filing — September 2025. Original lifetime loss ratio 60%; 2024 cash-flow-testing best-estimate 101.3%. A rate filing, not a nationwide ratio.
SOA — Long-Term Care Intercompany Experience Study (2000–2016) — 18 carriers, ~80% of 2016 earned premium. 620,591 claims; overall incidence 1.012%. Stand-alone only. Published 12 Aug 2020.
SOA — LTC Insurance Mortality and Lapse Study (2021) — Statutory minimum-reserve bases. Lapse and mortality margins from the 2000–2011 SOA/LIMRA study.
SOA + LIMRA + NAIC — LTCI experience study (2000–2023) — Announced 4 Aug 2025. 13 carriers, about two-thirds of stand-alone LTCI. Report not yet in this model.
LIMRA — Combination / linked-benefit sales surveys. Full tables are typically members-only; figures cited here are those LIMRA allowed Milliman to republish.
2025 Milliman Long-Term Care Insurance Survey (Broker World) — Stand-alone 2024 sales mix (benefit period, inflation/FPO, elimination period, issue age, gender) plus LIMRA 2023 combination-product premium and policy counts. Survey participants, not a statutory census.
EY — Hybrid insurance on the rise (LIMRA 2024) — 2024 combination new policies: chronic-illness ADB 327,025 (73%), LTC rider on life 91,619 (20%), linked-benefit with extension 32,268 (7%), stand-alone LTCI 38,715. LIMRA Combination Product Survey as quoted by EY 2025.
2026 AALTCI Long-Term Care Insurance Price Index — July 2026 Illinois examples, $165,000 initial pool, select health. Age 55 level / 3% / 5% (male, female, couple) published. Age 60 woman 3% $4,450; age 65 couple 3% $7,030 combined; five Illinois carriers at age 60 couple 3% $4,591–$7,173. Linked-benefit age-55 annuals (Co. A $180k pool / $120k death; Co. B $240k / $120k). This model’s default traditional premium is the Index man/woman midpoint for Age today and the Benefit Increase Option. Not a quote. Prices vary by state and health.
AALTCI — Costs of long-term care insurance 2024 (linked-benefit examples) — Age-55 linked-benefit illustrations. 2026 Index published annual linked premiums (Co. A $3,540 / $3,265; Co. B $3,750 / $3,555) and traditional $180,000 pool $1,050 / $1,645. Older lump figures are planning snapshots; Index does not publish linked lumps at 60+.
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Need:• Countable assets• State of Care• Care Setting• State where policy is issued• Age today• Years of care