How to use this Cost of Care Calculator. 

  1. Click a city to view the average local costs of
    long-term care.
  2. Click the tabs under Current Cost of Care column to view costs by day, month or year.

Individual long-term care insurance is underwritten by John Hancock Life Insurance Company (U.S.A.), Boston, MA 02210 (not licensed in New York) and in New York by John Hancock Life & Health Insurance Company, Boston, MA 02117.
LTC-1662 9/16

Current Cost
of Care1
Length of Care

Estimate your
number of years

Total Estimated
Cost of Care

Based on years of care

Day Month Year
Nursing Home Costs
Private Room 1 years + - N/A
Semi-private Room 0 years + - N/A $0
Home Health Costs
Home Health Aide2 0 years + - N/A
Adult Day Care Costs
Adult Day Care3 0 years + - N/A
Assisted Living Costs
Private, One Bedroom 0 years + - N/A
Total estimated long-term care
expenses based on the cost today
See how inflation may impact the future cost of care 25 years + -
Total estimated FUTURE long-term care
expenses adjusted for inflation4

This tool is intended to help the user estimate and illustrate hypothetical scenarios and potential current and future costs for receiving long-term care services. It is not intended to be a solicitation for long-term care (LTC) insurance coverage.
  1. Represents the average local cost of long-term care based on John Hancock's Cost of Care Study, conducted by LifePlans, Inc., 2016. Individual facility costs may vary. Costs rounded to the nearest dollar.
  2. Home health aide costs are based on six hours of care per day, five days a week.
  3. Adult day care costs are based on five days of care per week.
  4. Actual inflation rate may vary. Historical changes in the CPI may not be indicative of future results. Assumed rate of inflation is hypothetical, based on a 4.1% average annual increase in the Consumer Price Index for All-Urban Consumers (CPI-U) for the 50-year period ending 12/31/15. CPI-related data obtained from the Bureau of Labor Statistics of the U.S Department of Labor at