Planner assumes that you will have long-term care expenses in the last 3 years of your life (and your spouse's).

You have the ability to change this assumption in My Plan > Medical.

If you have a long-term care policy or plan to buy a long-term care policy, Planner will model that you will have 20% of care expenses in the last 3 years of your life (or your spouse's).

If you have medical coverage or don't need long-term care, you can select "Will never require any long-term care." Planner will assume that you have no long-term care expenses.

Answer long-term care questions for you and your spouse separately.

Did this answer your question?