ÿþ<HTML> <HEAD> <TITLE>Long Term Care Calculator</TITLE> <META HTTP-EQUIV="Content-Type" CONTENT="text/html; charset=iso8859-1"> <META NAME="description" CONTENT="Financial Calculators, ©1998-2010 KJE Computer Solutions, LLC. For more information please see http://www.dinkytown.net"> <STYLE> <!-- BODY, TABLE, TD, TH, UL, OL, DD, DL, P, BR { font-family: helvetica, arial, sans-serif; font-size: 10pt; } H1 { font-family: helvetica, arial, sans-serif; font-size: 13pt; font-weight: bold; } DT { font-family: helvetica, arial, sans-serif; font-size: 10pt; font-weight: bold; } P.footer { font-family: helvetica, arial, sans-serif; font-size: 9pt; } DIV.large { font-family: helvetica, arial, sans-serif; font-size: 13pt; font-weight: bold; } --> </STYLE> </HEAD> <!-- Financial Calculators, ©1998-2008 KJE Computer Solutions, LLC. 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For more information please see: <A HREF="http://www.dinkytown.net">http://www.dinkytown.net</A> --> <H1>Long Term Care</H1><P>Long term care is needed by those who can't perform the basic tasks required to take care of themselves. This can include people suffering from a debilitating illness or chronic injury. The need for long term care can arise unexpectedly, often creating a large financial burden. This calculator can help you determine if you are financially prepared for this impending expense. <P><CENTER> <!--[if IE]><object name="calculator" classid="clsid:8AD9C840-044E-11D1-B3E9-00805F499D93" codebase="http://java.sun.com/update/1.6.0/jinstall-6-windows-i586.cab#Version=1,4,0,0" height="400" width="565"><param name="code" value="LongtermCare" /><param name="archive" value="dinkytown.jar" /> <P style="font-size:1px; color: #ffffff" line-height: 1px><![endif]--><![if !IE]><P style="font-size:1px; color: #ffffff" line-height: 1px><![endif]></P><![if !IE]><APPLET name="calculator" code="LongtermCare.class" align="baseline" WIDTH="565" HEIGHT="400" archive="dinkytown.jar"><![endif]> <PARAM name="ESTIMATED_DAILY_COST" value="203"> <PARAM name="YEARS_OF_CARE" value="4"> <PARAM name="INFLATION_RATE" value="3.1"> <PARAM name="FUNDS_CURRENTLY_AVAILABLE" value="0"> <!--CUSTOM PARAMETERS--> <PARAM name="TEXT_FOR_REPORT" value="<HTML> <HEAD> <TITLE>Long Term Care Calculator</TITLE> <META HTTP-EQUIV='Content-Type' CONTENT='text/html; charset=iso8859-1'> <META NAME='description' CONTENT='Financial Calculators, &QCPQ;1998-2010 KJE Computer Solutions, LLC. For more information please see http://www.dinkytown.net'> <STYLE> <!-- BODY, TABLE, TD, TH, UL, OL, DD, DL, P, BR { font-family: helvetica, arial, sans-serif; font-size: 10pt; } H1 { font-family: helvetica, arial, sans-serif; font-size: 13pt; font-weight: bold; } DT { font-family: helvetica, arial, sans-serif; font-size: 10pt; font-weight: bold; } P.footer { font-family: helvetica, arial, sans-serif; font-size: 9pt; } DIV.large { font-family: helvetica, arial, sans-serif; font-size: 13pt; font-weight: bold; } --> </STYLE> </HEAD> <BODY bgcolor='#FFFFFF' LINK='#003399' VLINK='#666666' BGCOLOR='#FFFFFF'> <CENTER><table border=0 bgcolor='#000000' width=468 cellspacing=1 cellpadding=0><tr><td width='100%'><table bgcolor='#FFFFDD' border=0 width=468 cellspacing=1 cellpadding=5><tr><td width='100%' align=center valign=middle><DIV class=large>Long Term Care</DIV></td></tr></table></TD></TR></TABLE></CENTER> <H1>Annual long term care is estimated at ESTIMATED_ANNUAL_COST.</H1>**GRAPH**<P>Long term care is needed by those who can't perform the basic tasks required to take care of themselves. At ESTIMATED_DAILY_COST per day, your annual long term care costs are estimated at ESTIMATED_ANNUAL_COST. If you continue to require long term care for YEARS_OF_CARE years, your total cost is estimated at ESTIMATED_TOTAL_NEED. <P><CENTER><table border=0 bgcolor='#000000' width=95% cellspacing=1 cellpadding=0><tr><td width='100%'><table bgcolor='#FFFFFF' border=0 width=100% cellspacing=1 cellpadding=5> <TR BGCOLOR='#CCCCCC'><TD COLSPAN=2><CENTER><B>Results Summary</B></CENTER></TD></TR> <TR><TD><b>Estimated daily cost </b> </TD><TD> ESTIMATED_DAILY_COST </TD></TR> <TR><TD><b>Years of care </b> </TD><TD> YEARS_OF_CARE </TD></TR> <TR><TD><b>Inflation rate </b> </TD><TD> INFLATION_RATE </TD></TR> <TR><TD><b>Funds currently available </b> </TD><TD> FUNDS_CURRENTLY_AVAILABLE </TD></TR> <TR><TD><b>Estimated annual cost </b> </TD><TD> ESTIMATED_ANNUAL_COST </TD></TR> <TR><TD><b>Estimated total need </b> </TD><TD> ESTIMATED_TOTAL_NEED </TD></TR> <TR BGCOLOR='#CCCCCC'><TD><b>Unprotected need </b> </TD><TD> UNPROTECTED_NEED </TD></TR> </TABLE></TD></TR></TABLE></CENTER> <BR> </CENTER> <DIV class=large>Estimated Annual Costs</DIV> <HR SIZE=1> **REPEATING GROUP** <BR> <HR SIZE=1> <CENTER><P class=footer> Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. </P></CENTER><br><br> </BODY> </HTML> "> <H1><CENTER>This Financial Calculator requires SUN's Java"! Plug-in. If you see this message you will need to download SUN's Java"! Plug-in. This can be done automatically by clicking the yellow bar at the top of your browser and choosing  Install ActiveX Control . </CENTER></H1> <OL> You can also get SUN's Java"! Plug-in here: <A href="http://www.java.com/en/download/download_the_latest.jsp" target=_blank><b>Get the Java"! Plug-in!</b></A> <P>For more information about this Plug-in please visit: <A href="http://www.dinkytown.net/money/sunjvm.html" target=_blank><b>SUN's Java"! Plug-in</b></A> <BR>For more information these financial calculators please visit: <A href="http://www.dinkytown.net" target=_blank><b>Financial Calculators from KJE Computer Solutions, LLC</b></A> </OL><!--[if IE]></OBJECT><![endif]--><![if !IE]></APPLET><![endif]> </CENTER><CENTER><SCRIPT>document.write(showbuttons())</SCRIPT></CENTER> <H1>Definitions</H1><P><TABLE align='center' WIDTH="95%"><TR><TD><DL><!--DEFN_START--> <DT><B><A NAME="1">Estimated daily cost</A></B><DD> This is your current estimated cost of long term care. According to the Genworth Financial 2009 Cost of Care Survey, the estimated average cost for a nursing home stay was $66,886 per year for a semi-private room. This is about $183 per day. The cost for a private room was $74,208 or $203 per day. Assisted living at home can cost more than $33,466 per year or $18.50 per hour for a home healthcare aid. All of these long-term care costs can be considerably higher in larger metropolitan areas.<P> <DT><B>Years of care</B><DD> The number of years you expect to require long term care. The average stay in a nursing home is about 2.5 years, but can vary considerably.<P> <DT><B>Inflation rate</B><DD> What you expect for the average long-term inflation rate. A common measure of inflation in the U.S. is the Consumer Price Index (CPI), which has a long-term average of 3.1% annually, from 1925 through 2009. The CPI for 2009 was -1.0%, as reported by the Minneapolis Federal Reserve. We will increase the cost of your long term care by this rate each year.<P> <DT><B>Funds currently available</B><DD> The total amount that you have saved or invested that would be available to pay for long term care expenses. <!--DEFN_END--></DL></TD></TR></TABLE> <BR> <HR SIZE=1> <CENTER> <P class=footer> Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. </P></CENTER> <BR> </BODY> </HTML>