Long Term Care Asset Utilization Modeling

Adaptive Marketing Group (the “Publishers”) provide this Long Term Care Asset Utilization Modeling tool, the on-screen hypothetical, the View report, and any PDF solely as an educational illustration. By using the model or requesting a report, you agree to the terms of use on this page.

This tool is built to WCAG 2.2 Level AA. A skip link jumps to main content. Form fields have visible labels. Charts include a text summary for screen readers; color is not the only way a shortfall is shown. Speech that starts automatically can be stopped on the same screen. The on-screen View is the accessible report. The Download PDF file is a print picture of that page (not a tagged PDF) — stay on View or use the browser Print dialog if you need selectable, readable text. Motion is reduced when your device asks for it.

This material is not tax advice, legal advice, investment advice, insurance advice, financial-planning advice, eldercare-planning advice, or Medicaid advice. It is not an illustration, offer, solicitation, recommendation, or quote of any insurance policy, security, annuity, or investment. It is not a determination of Medicaid, VA, SSI, Medicare, or tax eligibility, and it is not a substitute for an outline of coverage or a policy contract. Insurance in this model does not pay until a benefit trigger is certified and any elimination period has run — see Benefit triggers below.

This is an AI-generated hypothetical. Narrative text, including the descriptive summary and the recommendations, is assembled by software from the numbers and choices entered on this platform. Artificial intelligence can omit a fact, misstate a rule, or apply an average that does not fit the person. It is not a person, not a licensed professional, and not advice. Review every figure before relying on a report, and confirm it with the appropriate licensed professional.

The Publishers have no duty to update figures after you leave the page. You — not the Publishers — are responsible for decisions about care, assets, insurance, investments, taxes, and public benefits. Limitation of liability and indemnification are stated only in the Terms of Use.

Use of this model, the View report, or a PDF does not create a client, advisory, or fiduciary relationship with Adaptive Marketing Group. You expressly waive any claim that the Publishers are your (or your client’s) fiduciary, investment adviser, attorney, CPA, insurance agent, or elder-care planner. The Publishers do not supervise any professional who uses this tool with a client.

Nothing on this site, in a View report, or in a PDF is legal advice. No attorney-client relationship is formed with Adaptive Marketing Group or anyone solely because you used this model. Medicaid, Partnership, spend-down, QIT, MAPT, homestead, VA, SSI, estate-recovery, and tax-qualified LTC rules are summaries of publicly described programs; they are not an opinion of counsel and are not a substitute for advice from a lawyer licensed in the state whose law applies. Only that lawyer can apply the law to your facts. Do not gift, retitle, spend down, or file a claim based only on this hypothetical. Government program benefits, eligibility standards, and laws may change. Verify current requirements with the appropriate government agency or qualified professional.

By accessing this site, running a hypothetical, viewing a report, or downloading a PDF, you agree to these terms of use and to the Important Disclosure on this page. If you do not agree, do not use the model. Use on behalf of a client is your use; you are responsible for what you show that client.

The Publishers provide the model, educational cards, rate tables, charts, View report, and PDF AS IS and AS AVAILABLE, with no warranty of any kind, express or implied, including accuracy, completeness, merchantability, fitness for a particular purpose, non-infringement, or uninterrupted or error-free operation. Figures are planning estimates. They may be rounded, delayed, incomplete, or later changed by SSA, CMS, VA, state Medicaid agencies, insurers, or survey publishers.

Use of this site does not create an attorney-client, accountant-client, insurance-agent, investment-adviser, broker-dealer, or fiduciary relationship with Adaptive Marketing Group. The Publishers are not appointed as your insurance producer unless you have a separate written appointment or client agreement with a licensed person — this website is not that agreement. No one is obligated to sell, underwrite, or issue a policy because you ran a scenario.

Outputs are not a NAIC or company policy illustration, not an outline of coverage, not a premium quote, and not an offer or solicitation to buy or sell any insurance, annuity, or security. Premium, daily benefit, inflation rider, Partnership, and hybrid figures are user-entered or simplified planning math. Real policies require underwriting, a licensed producer, and the carrier’s forms. Benefit triggers, elimination periods, exclusions, and premium-change rights apply — see the Benefit triggers section. Do not present this PDF to a client as “the policy.”

Nothing on this site is a determination of Medicaid, SSI, Medicare, VA pension, Aid and Attendance, disability compensation, or tax eligibility or amount. Partnership “protected” assets, CSRA, QIT, MAPT, spend-down, SSI resource limits, and VA MAPR/compensation tables are educational summaries of published rules. Government program benefits, eligibility standards, and laws may change. Verify current requirements with the appropriate government agency or qualified professional. Do not spend down, gift, or file a claim solely on this model.

Care costs in this model are rounded planning medians. Confirm a location on the LTC News Cost of Care Calculator (https://www.ltcnews.com/long-term-care/cost-of-care). That calculator is not an insurance-company survey. SSI, Medicaid spousal, SIL, and related federal figures follow SSA (https://www.ssa.gov/oact/cola/SSI.html) and CMCS (https://www.medicaid.gov/federal-policy-guidance/downloads/cib12092025.pdf) publications for the stated year. VA pension MAPR, net worth, and disability compensation follow va.gov (https://www.va.gov/pension/veterans-pension-rates/ and https://www.va.gov/disability/compensation-rates/veteran-rates/) for the stated rate period (generally December 1–November 30). Sources are grouped on the Sources and methodology page. The Publishers have no duty to notify you of later changes after you leave the page. Re-check official sources before any decision.

Results follow the numbers and checkboxes you enter (assets, exclusions, ROI, tax rate, care setting, delay, duration, CPI, policy design, Partnership, veteran status, and optional sections). Garbage in, garbage out. The Publishers do not verify your facts, health, insurable interest, or marital status.

If you are an insurance agent, investment adviser, CFP® professional, attorney, CPA, or other licensee, this tool does not replace your license, your E&O, your client agreement, or your required disclosures. You — not the Publishers — are responsible for advice you give, products you recommend, and how you describe this hypothetical. The Publishers do not supervise you. Do not remove copyright, the Important Disclosure, or these terms from a report. A CFP® professional’s fiduciary duty under CFP Board Standard A.1 cannot be waived, disclaimed, or assigned away when they provide Financial Advice; running this model is not Financial Advice and does not satisfy that duty.

To the maximum extent permitted by law, Adaptive Marketing Group and its owners, officers, employees, contractors, and licensors are not liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost data, lost eligibility, increased premiums, denied claims, or spend-down decisions, arising out of or related to the use of this model or any report, even if advised of the possibility. Direct damages, if any are allowed, are limited to the amount you paid the Publishers to use this website (often zero). Some jurisdictions do not allow certain limitations; those that cannot be limited by law remain.

You agree to indemnify and hold harmless Adaptive Marketing Group and its owners, officers, employees, contractors, and licensors from claims, losses, costs, and reasonable attorneys’ fees arising from your use of the model, your sharing of a report, your removal or alteration of disclaimers, or your presentation of outputs as advice, a quote, an illustration, or an eligibility determination.

These terms are governed by the laws of the State of Florida, without regard to conflict-of-law rules, except that insurance, Medicaid, securities, and professional-conduct rules of the state where a professional is licensed or where care would be received may also apply to that professional. Venue for disputes with the Publishers, to the extent permitted, is in the state courts of Brevard County, Florida, or the federal courts of the Middle District of Florida.

If a court finds any part of these terms unenforceable, the rest remains in effect. The Publishers may update this page; the version dated on the page applies to use after that date. Continued use is acceptance of the updated terms.

You acknowledge that you have had an opportunity to read these terms and the Important Disclosure, that you understand this is an educational hypothetical only and is not legal advice, and that you will contact the appropriate licensed professional for your (or your client’s) situation before acting: a CERTIFIED FINANCIAL PLANNER™ professional (CFP®) and, as fits the issue, ChFC®, CLU®, or RICP® for financial planning; a licensed long-term care insurance producer (CLTC or LTCP recommended) for insurance; a CPA, enrolled agent, or tax attorney for tax; a qualified Medicaid or elder-care planning attorney licensed in the relevant state (CELA or equivalent where appropriate) for legal, Medicaid, and eldercare planning; and an accredited veterans service officer (VSO) for VA pension or disability.