LTC Planning Lane Identifier
Answer a few questions to find which long-term care planning strategy may be the best fit for your situation.
Your Profile
1. Approximate total investable assets (excluding pension & home)
2. Do you have family members who could provide care if needed?
3. How important is leaving assets to heirs?
4. Health status (self-assessment)
5. Your age
Spouse age (if applicable):
6. Risk tolerance for unexpected expenses
LTC Cost Context
Understanding what long-term care actually costs helps frame the planning decision:
Nursing Home (Semi-Private)
$7,900 – $9,500/mo
Assisted Living
$5,900 – $7,500/mo
Average LTC Duration
2.5 years
Women's Average Duration
3.7 years
Facility care costs: $5,900–$9,500/month in 2025 (varies by state and level of care). Home health aide costs are typically $25–$35/hour.
Next Step: Regardless of your lane, having a conversation with a financial planner who understands teacher pensions can help you build a care plan that fits your specific situation. Schedule a conversation →