Cost Guide
How Much Could Long-Term Care Cost You?
Most families underestimate the cost of care—until they are facing it. Here is what long-term care actually costs, why it matters, and how the right plan keeps your savings intact.
The Real Numbers
A private nursing home room can cost $120,000–$150,000+ per year. Assisted living averages $6,500–$9,000 per month. Home health aides often run $40+ per hour.
The Risk to Savings
A multi-year care event can wipe out decades of retirement savings—especially when one spouse needs care and the other still has years of living expenses ahead.
A Plan Changes Everything
Insurance and asset-based strategies transfer that risk so your family keeps choice, control, and peace of mind—without draining the nest egg.
National Averages
$120K+
average annual cost of a private nursing home room
$7,500/mo
average assisted living cost per month
$40+/hr
average home health aide hourly rate
Costs vary by state and city—coastal metros like Seattle and the Bay Area trend higher. For state-specific numbers, explore the Washington or California guides.
Complimentary Consultation
Want a personalized cost picture for your situation?
Carol will walk through your state, your goals, and your budget—so you leave with real numbers and a real plan.