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LTC Benefit Period Calculator
Estimate how long benefits should last given care patterns.
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Extra coverage from 5-year vs 3-year
$146K/year
3-year coverage$219K
5-year coverage$365K
Extra annual premium (5yr vs 3yr)$1,000
Most LTC claims last under 3 years, but longer stays occur. A 5-year benefit period balances cost and protection for many buyers; lifetime benefits cost significantly more.
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