We estimate the future cost of long-term care by taking the current median cost for your state and care type, growing it to the age you might need care, and multiplying by the number of years of care.

Step by step

1. We look up the current median annual cost for your state and care type (falling back to the national median).
2. We project that cost forward to your age of need by compounding it at an annual care-cost growth rate.
3. We multiply the projected annual cost by the number of years of care to estimate total exposure.

The math

projectedAnnual = medianAnnual × (1 + growthRate)^(ageOfNeed − currentAge); total = projectedAnnual × yearsOfCare.

Sources & assumptions

• CareScout Cost of Care Survey (median costs by state and care type).
• A projected annual growth rate (~4–5%) stored alongside each cost figure.

Note: Nothing proprietary — the projection is fully described. It does not model partial-year care or inflation in care intensity.

1. This is an educational projection of long-term-care costs, not a guarantee or an insurance quote.
2. Costs are based on published median figures and a projected growth rate; your actual costs may differ.