Get a realistic estimate for your situation — not a national average that doesn't mean anything. Takes about 90 seconds.
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This matters — senior care costs have been rising roughly 8–10% per year nationally.
This helps us contextualize your estimate. Select the closest range.
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This is the section most families wish someone had explained sooner. Here's a brief overview of the most common funding approaches:
The most common approach, but rarely sustainable for multi-year care needs without additional planning.
Specifically designed to cover assisted living, memory care, and home health costs. Policies vary widely in coverage and cost.
If you don't have a policy, it may still be worth exploring depending on age and health status.
Many families don't realize certain life insurance policies can be structured to fund long-term care. This is one of the most underutilized planning tools available.
Worth exploring even if you already have life insurance — conversion options may apply.
Available for qualifying individuals, but with significant asset and income limitations. Advance planning can make a major difference in eligibility.
For veterans and surviving spouses, this benefit can provide meaningful monthly support toward care costs.
Talk to one of our planning advisors about how families in your situation actually fund long-term care — free, with zero obligation.
Talk to a Planning AdvisorTrue North Senior Care provides educational resources about senior care planning. We are not a licensed insurance agency. When families express interest in exploring insurance options, we connect them with licensed, independent professionals. True North may receive referral compensation if a policy is purchased. This does not affect the cost of any policy or the guidance we provide.