Long-Term Care Assessment

Who Will Pay When You Can No Longer
Care for Yourself?

7 in 10 people over 65 will need long-term care. The average cost is over $100,000 per year. Without a plan, that bill falls on your savings — or your family.

See How Exposed Your Family Is — Free →

4 minutes  ·  No signup required  ·  Not a sales pitch

70%
of people over 65 will need long-term care
$108k
Average annual cost of a private nursing home room
3 years
Average duration of a long-term care need
$0
Medicare covers for most long-term care costs
How This Assessment Works
Decide how you'll pay for care — before you need it and have lost the choice.

Answer questions about your age, health, assets, and existing coverage. Get a Long-Term Care Readiness Score with a funding strategy that matches your situation, not a generic brochure.

Compare funding options
Self-fund, traditional LTC insurance, hybrid life/LTC, annuity with LTC rider, or plan to spend down to Medicaid — we show the trade-offs against your assets and health.
Know what Medicare won't cover
Medicare pays for almost no long-term custodial care. If your plan assumes it will, the first gap we'll surface is a big one.
State-specific Medicaid rules
Look-back periods, estate recovery, partnership policies, and spousal protections vary. Your plan is flagged against your state's rules.

Not insurance or legal advice. LTC planning has permanent financial consequences. Use this to prepare for a conversation with an LTC specialist or elder-law attorney.

What "No Plan" Actually Means for Your Family

These outcomes play out every day. Most are preventable — but only with planning done before care is needed.

01
Critical
Medicare covers almost none of it
Medicare only pays for short-term skilled nursing care after a qualifying hospital stay — and only for up to 100 days. It does not cover custodial care: the kind most people actually need.
02
Critical
Medicaid requires near-poverty first
To qualify for Medicaid long-term care coverage, you must spend down almost all of your assets first. Your savings, retirement accounts, and home equity — depleted before coverage kicks in.
03
High Risk
A single event can wipe out a lifetime of savings
At 3 years of nursing home care at $108k/year, one LTC event costs over $325,000 — wiping out decades of savings and leaving nothing for a surviving spouse or heirs.
04
Important
Without a plan, care falls on your family
65% of long-term care is provided by unpaid family members — primarily adult daughters — often at serious cost to their own careers, relationships, and health.

What Your Free LTC Assessment Reveals

Answer 10 questions. Get a personalized protection score and a clear picture of your specific exposure.

✓
Whether your current insurance covers any long-term care costs
✓
Your Medicaid eligibility picture and spend-down exposure
✓
Whether LTC or hybrid life/LTC insurance makes sense for your age
✓
Medicaid asset protection strategies available in your state
✓
Whether your home equity is protected or exposed in a care scenario
✓
A prioritized action checklist ranked by urgency and severity

Three Steps. Four Minutes.

No login. No credit card. No sales call.

1

Answer 10 Questions

About your age, assets, current coverage, and family situation. No sensitive data required.

2

See Your Score

Get your LTC Protection Score and top gaps instantly — completely free.

3

Follow Your Plan

Unlock step-by-step guides for each gap, personalized to your state's Medicaid rules.

What It's Worth

For $39/month, plan for costs that average $95,000/year

Long-term care is the single largest unplanned expense most families face. The average nursing home stay costs over $237,500 — and most people have zero coverage.

Nursing Home Costs
No LTC coverage when care is needed
$95,000/year
median nursing home cost — average stay is 2.5 years = $237,500 with no plan in place
No Medicaid Planning
Assets depleted before Medicaid kicks in
$100,000–$500,000
in personal assets drained before qualifying — advance Medicaid planning can protect most of this
Late LTC Insurance
Waiting to buy LTC coverage
$2,000–$8,000/year more
in premiums for every decade you delay — coverage at 55 is a fraction of the cost at 65
No Advance Directive
No documented care wishes on file
$50,000–$120,000
in unwanted aggressive care costs when no directive exists — family conflict and court fees add up fast
Unplanned LTC costs per person
$237,500+
vs
Sema Legacy annual cost
$349/year

A 10-minute assessment tells you exactly where your LTC gaps are. Most people are shocked — better to know now than when it's too late.

Document Vault
Store, organize, and AI-analyze your important documents

Upload your will, trust, insurance policies, and healthcare directives. Sema Legacy keeps them organized by topic — and AI reads them to flag what's outdated or missing.

Secure upload — PDF, images, Word
AI document analysis
Smart document checklist
Organized by topic
Never shared with third parties  ·  Included with your plan
Free Assessment

Don't Wait Until You Need Care to Find Out You're Not Covered

Most people are shocked by how exposed they are. It takes 4 minutes and costs nothing to find out.

Start My Free LTC Assessment →

4 minutes  ·  No signup  ·  Not a sales pitch

Educational Use Only. Sema Legacy provides educational information, not professional legal, financial, or insurance advice. Always consult a licensed LTC specialist or elder law attorney for decisions specific to your situation.