The risk of needing long-term care is real. The 2025 Milliman Long-Term Care Index estimates the lifetime cost of paid long-term care services for a 65-year-old today. It provides a practical benchmark you can use to evaluate your personal risk and design an affordable Long-Term Care Insurance strategy.


However, no actuarial study can explain the impact future long-term care will have on your family. Long-term care is both a cash flow problem and a family problem.


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The Cost of Aging


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