LTC Tax-Leverage Calculator · OneAmerica Asset Care
How much tax-free LTC benefit does $100K really buy?
Three inputs. See your specific LTC pool, monthly limit, death benefit if unused, and effective leverage on both Asset Care plan types.
How big a pool do you need? The long-term care cost calculator puts a number on your care plan from 2025 state and metro prices, then compares it with self-funding.
▸ Your Inputs
▸ Your Asset Care Illustration (Ballpark)
Plan A · 4-Year Limited
4-year LTC plan
Premium—
Total LTC benefit pool—
Monthly LTC limit—
Annual LTC limit—
Death benefit if unused—
Year-10 cash surrender—
Effective LTC leverage—
If you need care—
Plan B · Unlimited Lifetime
Unlimited LTC plan
Premium—
Total LTC benefit poolUNLIMITED
Monthly LTC limit—
Annual LTC limit—
Death benefit if unused—
Year-10 cash surrender—
Coverage periodLifetime
LTC coverage for lifeUNLIMITED
Compared to Self-Insuring from a MYGA
—
—
Ballpark only. Numbers are calibrated to a published California Asset Care illustration (Female age 70, Preferred Non-Tobacco, $100K single premium: $339K 4-yr pool / $113K death benefit; UNLIMITED LTC / $91K death benefit on the Unlimited plan). Other ages, sexes, health classes, and 10-pay vs single-pay are scaled with standard actuarial factors and will differ from a real carrier-issued illustration. The inflation rider trades upfront leverage for compound growth on the LTC benefit ceiling. §7702B tax treatment requires the contract to be a tax-qualified long-term-care insurance policy. §101 death-benefit treatment is standard for life insurance proceeds paid by reason of death. All guarantees subject to the claims-paying ability of the issuing carrier. Hans Goldstein is a California-licensed insurance & annuity producer (NPN 20602398) and does not provide tax, legal, or accounting advice — consult your CPA and elder-law attorney before placing any LTC policy.
