Education & Planning
The Most Expensive Risk Isn’t Market Loss — It’s Needing Care or Leaving Family Unprotected
A clean estimate helps you make calm decisions before care is needed. Use the calculator below to quantify risk, then review hybrid Life + Long-Term Care strategies designed to protect family and preserve legacy.
Three truths most families learn too late
- Care is a cash-flow event — not just a medical event.
- Spouses get financially “injured” too when assets are liquidated under stress.
- Medicaid is a backstop — not a planning framework for choice or legacy.
These estimates use state medians and can be refined by city, care setting, and benefit design during your call.
Quick Start
Most clients are surprised by the 10-year projection — it’s where planning
goes from “nice to have” to essential.
Run the numbers, then book a 15–20 minute strategy call.
Optional — used only if you choose to share results.
If checked, we won’t overwrite your monthly cost when you change state/type.
Typical need ranges 2–5 years depending on situation.
Used only for the 10-year projection shown in results.
Household Cash-Flow Impact (Lifestyle Protection)
When one spouse needs care, the survivor often needs the full lifestyle cash-flow while care costs add on top.
What the household spends each month to maintain your current lifestyle.
Social Security / pension / annuity income you can count on.
How much you currently draw from investments for lifestyle (optional).
Assets you consider truly surplus beyond what supports lifestyle (leave 0 if unsure).
We’ll calculate your monthly cash-flow shortfall during care years and estimate how quickly assets get liquidated.
Source: CareScout / Genworth Cost of Care Survey 2024 (state medians). Survey period July–Dec 2024. Adult Day + 24/7 care values are modeled estimates; use custom quotes when available.
Want city-level refinement and hybrid policy design options? We’ll tailor this on your call.
Educational purposes only. Not insurance or legal advice. Coverage is subject to underwriting and carrier guidelines.
Costs shown are median estimates and vary by city, level of care, and provider.
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