Client's Age	Daily Benefit	Inflation Protection	Daily Benefit at Age 85	LTCI Premium	Paid-In to Age 85	Alternative: Investment Value at Age 85	LTC Insurance Annual Benefit	Four Years of Benefits Paid by Policy
45	$200	Compound	$1,341	$2,120	$84,800	$268,900	$489,465	$1,957,860
50	$200	Compound	$1,051	$2,240	$78,400	$212,433	$383,615	$1,534,460
55	$200	Compound	$823	$2,600	$78,000	$181,378	$300,395	$1,201,580
60	$200	Compound	$645	$3,500	$87,500	$175,397	$235,425	$941,700
65	$200	Compound	$505	$4,740	$94,800	$164,569	$184,325	$737,300
70	$200	Simple	$340	$6,320	$94,800	$143,195	$124,100	$496,400
75	$200	Simple	$290	$9,960	$99,600	$131,540	$105,850	$423,400
79	$200	None	$200	$10,640	$63,840	$75,991	$73,000	$292,000

 

Notes:

Calculations are based on an individual paying premiums to age 85 on a long-term care policy providing the following:

 

	Inflation protection depending on age of purchase (5%).  Varies according to client's preference.
	Four years of benefits - based on $200/day providing a pool of $292,000 to start
	Benefits may be used for NH, ALF, home care and/or adult day care
	50 day elimination period
	Net after tax earnings of 5%

For more info on purchasing LTCI vs. investing the premium, or if you have other questions, please call us at 631-393-5039 or email us at info@ltcamerica.com.