长期护理费用计算器
估算未来长期护理服务的费用，包括养老院、辅助生活设施和居家护理的费用预测，为老年生活提前规划。
Average nursing home ~$95k, assisted living ~$55k, home care ~$60k
Projected Annual Cost
$131,467
Projected Annual Cost vs Years Until Care Needed
公式
Long-Term Care Planning
Current Average Costs (Annual)
Formula
Future Cost = Current Cost x (1 + Inflation Rate)^Years
Healthcare inflation runs 3-5% per year, outpacing general inflation.
Coverage Options
计算示例
$60,000 current annual cost, care needed in 20 years, 3-year duration, 4% inflation.
- 01Future annual cost = $60,000 x (1.04)^20 = $131,512
- 02Total cost = $131,512 x 3 years = $394,537
- 03Monthly savings needed = $394,537 / (20 x 12) = $1,644
常见问题
What is the average length of long-term care?
The average long-term care need is about 3 years. However, roughly 20% of people need care for more than 5 years. Women tend to need care longer than men.
Does Medicare cover long-term care?
Medicare covers very limited skilled nursing care (up to 100 days after a hospital stay). It does NOT cover custodial care, which is what most people need for extended periods.
When should I buy LTC insurance?
The ideal age to purchase is mid-50s to early 60s. Earlier means lower premiums but more years of paying. Waiting too long risks health issues that make you uninsurable or significantly raise rates.
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