1 Select current age and gender for individual seeking care
2 Select up to three states to display average costs of long-term care
3 Click on details to display estimated costs for each state
4 Adjust the region and length of types of care in state detail window
5 Click Generate Report to enter your information and print out estimated cost of care details
Long-term care cost projections are calculated by factoring current age and gender. They include expenses related to a personalized length of time at a combination of long-term care services, including nursing home, assisted living, home care, and informal care. All four types of long-term care occur when one is unable to complete multiple Activities of Daily Living (ADLs) without assistance. Individuals with certain health conditions - who adopt physician-recommended behavior modifications - may be able to delay the age when they will require long-term care services.
Informal Care — Care that is provided by an an unpaid individual - usually a spouse or partner, family member, friend or neighbor - who assists an individual in need of help with activities of daily living (ADLs), instrumental activities of daily living (iADLS) such as laundry and housekeeping, or other living and medical needs. This care is usually given in a home setting.
Home Health Care — Medical or non-medical maintenance or personal care services, generally delivered in a private home. Qualified long-term care services may be provided by skilled or unskilled medical personnel of a hospital or home health care agency, or by unskilled individuals. Home Health Care Services may also include Homemaker Services and Hospice Services.
Assisted Living Facility — A residential living arrangement that is licensed to provide different levels of support, personal care and health services to people who need help with Activities of Daily Living (ADLs), but don’t need the level of 24/7 care provided by nursing homes. Assisted Living Facilities are most often complexes that offer studio and apartment-style living for those receiving care.
Nursing Home — A licensed facility, other than a hospital, that provides Skilled Nursing or Custodial Care. Skilled Nursing Care is administered by licensed professionals, generally for a short term and may include such services as physical therapy, wound care or rehabilitation. Custodial Care can be performed by unskilled personnel, provides assistance with Activities of Daily Living (ADLs), and is received by patients that are generally not expected to recover.