Layer 2 · LTC & Legacy · Integrated Planning Partners

What does a care event
actually cost
your household?

Most families assume they can handle it. Every dollar your qualified plan pays for care comes out taxed — and stops compounding permanently. The real cost isn't the care bill. It's the taxes paid, and everything that money would have become.

70%
of people over 65 will need some form of long-term care
3.3 yrs
average care duration among those who need it
$10,646
national median monthly care cost today — rising 4%+ per year
Calculate your household's exposure
The calculator

Three windows.
One of them is your family's reality.

Enter your profile below. The calculator shows what a care event costs your qualified plan across three realistic age windows — and what Layer 2 insulation changes across all of them.

Household profile
Estimated household qualified plan balance
Combined IRA / 401(k) / qualified plan assets available to fund Layer 2 policies
$1,500,000
$1M$2M$3M$4M$5M
Spouse / partner — Layer 2 coverage
What a care event costs your household — three realistic windows
Spouse / partner — three care event windows
Combined household exposure vs. Layer 2 protection — mid-retirement window · 3-year event
The numbers tell part of the story
The family picture
A care need rarely arrives at the end of a long life. It arrives after a fall, a diagnosis, a stroke — in the middle of the retirement both partners spent decades building toward. The spouse who becomes the primary caregiver did not retire to be a caregiver. The daughter who reorganizes her career around the care schedule did not plan to. The son driving four hours every weekend did not agree to that role. When there is no plan, the family becomes the plan — and the qualified plan absorbs every dollar of care, fully taxed, at whatever price the market offers that day. Layer 2 converts a family obligation into a contractual benefit. The care is funded. The family is freed. The portfolio keeps compounding.
70% of people over 65 need some form of care Average care duration: 3.3 years 1 in 5 will face $200,000+ in lifetime LTC costs Full-time home care: $150,000–$200,000 per year 40–70% of family caregivers experience clinical burnout
If the care event never comes
It is a repositioning of assets you already own into a structure that continues to accumulate value throughout your lifetime. Whatever you do not use for care is available to you as tax-free income during your lifetime. The remaining value passes tax-free to your beneficiaries of choice — nothing wasted, nothing lost, and your family was protected the entire time.
StructureReview™ · Integrated Planning Partners

See your complete Layer 2 architecture

A StructureReview™ shows what the leverage ratio looks like for your specific age and health today — the benefit structure, the carrier options, and what changes if this conversation is deferred.

Begin your StructureReview™ →

Layer 2 is health-underwritten. The most favorable terms are available now — not after a health change.

Jeffrey Faine, CLU · RICP
Integrated Planning Partners
773-318-9608

For illustrative purposes only. Not financial, legal, or tax advice. Projections use a 6.5% average annual return, 2.8% general inflation, 4% annual long-term care cost inflation, and a 24% effective federal rate on qualified plan distributions. State rates reflect approximate marginal rates on retirement income distributions; actual rates vary by income level and filing status. Layer 2 net premium per insured scales from $125,000 at $1M to $225,000 at $5M, funded over 5 annual draws beginning at current age. Care cost base: $10,646/month national median per industry cost of care survey data. Total portfolio impairment includes gross IRA draw required + taxes paid on that draw + compounding lost at 6.5% through age 95. Combined household figures sum primary and spouse impairment independently calculated at their respective ages and retirement dates. Leverage ratio reflects combined household wealth protected per $1 of combined net repositioning, mid-retirement window, 3-year event per insured. Care costs assumed fully covered by Layer 2 chronic illness benefit; actual benefit subject to carrier underwriting and policy terms. State-administered LTC programs, where available, provide benefits typically insufficient to materially affect projections at this asset level. IncomeArc™ is a trademark of Integrated Planning Partners. © 2026 Integrated Planning Partners. All rights reserved.