长期护理费用计算器 — 公式

Long-Term Care Planning

Current Average Costs (Annual)

  • Nursing home (private room): ~$108,000
  • Nursing home (semi-private): ~$95,000
  • Assisted living: ~$55,000
  • Home health aide: ~$60,000

    • Formula

    Future Cost = Current Cost x (1 + Inflation Rate)^Years

    Healthcare inflation runs 3-5% per year, outpacing general inflation.

    Coverage Options

  • Long-term care insurance
  • Hybrid life/LTC policies
  • Self-funding through savings
  • Medicaid (for those who qualify)

    • 计算示例

    $60,000 current annual cost, care needed in 20 years, 3-year duration, 4% inflation.

    1. Future annual cost = $60,000 x (1.04)^20 = $131,512
    2. Total cost = $131,512 x 3 years = $394,537
    3. Monthly savings needed = $394,537 / (20 x 12) = $1,644