Hypothetical planning model

Long Term Care Asset Utilization Modeling

Enter assets that could pay for care. Compare nursing, assisted living, and 24-hour home care — and see how long-term care insurance inflation riders change how the assets are used. Care costs grow by CPI; unused assets compound at your assumed return.

Voice: say “cash 50,000”, “state Florida”, or “run hypothetical.”

NAIC Long-Term Care Insurance Personal Worksheet

Fillable educational form for discussion and submission. Back to the calculator.

Educational copy of the Long-Term Care Insurance Personal Worksheet (NAIC Model Regulation #641, Appendix B / IIPRC LTC application-form standards). Not a carrier application, not a quote, and not a determination of suitability. Official PDF · NAIC Shopper’s Guide pages 48–51 (PDF). Type is 12-point equivalent. A rule of thumb: if premiums come only from your own income, more than 7% of income may be hard to sustain.

Applicant
Premium information

The premium quoted in this worksheet isn’t guaranteed and may change during underwriting and while the coverage is in force.

Questions about your income

What resources will you use to pay your premium?

Inflation may increase the cost of long-term care in the future.

How do you plan to pay for your care during the elimination / waiting / deductible period?

Questions about your savings and investments

If you’re buying this coverage to protect your assets and your assets are less than $50,000, experts suggest you think about other ways to pay for your long-term care.

Certification

Submission emails Funding LTC Marketplace and the address you entered. This is not an insurance application. A licensed producer and the issuing company apply their own filed suitability standards.