What does a care event actually cost your household?
Most families assume they can handle it. Every dollar your qualified plan pays for care comes out taxed — and stops compounding permanently. The real cost isn't the care bill. It's the taxes paid, and everything that money would have become.
70%
of people over 65 will need some form of long-term care
3.3 yrs
average care duration among those who need it
$10,646
national median monthly care cost today — rising 4%+ per year
Three windows. One of them is your family's reality.
Enter your profile below. The calculator shows what a care event costs your qualified plan across three realistic age windows — and what Layer 2 insulation changes across all of them.
Household profile
Estimated household qualified plan balance
Combined IRA / 401(k) / qualified plan assets available to fund Layer 2 policies
$1,500,000
$1M$2M$3M$4M$5M
Spouse / partner — Layer 2 coverage
What a care event costs your household — three realistic windows
A care need rarely arrives at the end of a long life. It arrives after a fall, a diagnosis, a stroke — in the middle of the retirement both partners spent decades building toward. The spouse who becomes the primary caregiver did not retire to be a caregiver. The daughter who reorganizes her career around the care schedule did not plan to. The son driving four hours every weekend did not agree to that role. When there is no plan, the family becomes the plan — and the qualified plan absorbs every dollar of care, fully taxed, at whatever price the market offers that day. Layer 2 converts a family obligation into a contractual benefit. The care is funded. The family is freed. The portfolio keeps compounding.
70% of people over 65 need some form of careAverage care duration: 3.3 years1 in 5 will face $200,000+ in lifetime LTC costs75% chance at least one spouse needs careFull-time home care: $150,000–$200,000 per year40–70% of family caregivers experience clinical burnout
If the care event never comes
It is a repositioning of assets you already own into a structure that continues to accumulate value throughout your lifetime. Whatever you do not use for care is available to you as tax-free income during your lifetime. The remaining value passes tax-free to your beneficiaries of choice — nothing wasted, nothing lost, and your family was protected the entire time.
StructureReview™ · Integrated Planning Partners
See your complete Layer 2 architecture
A StructureReview™ shows what the leverage ratio looks like for your specific age and health today — the benefit structure, the carrier options, and what changes if this conversation is deferred.