Should you buy long-term care insurance, or ring-fence the money and fund the care yourself?

Your age now Age care begins (US claims cluster in the early 80s) Years of care Care cost today, $/month (defaults to the $6,200 assisted-living median; nursing private = $10,798; in-home 44h/wk = $6,673) Care-cost inflation %/yr Return you expect on invested money %/yr Annual premium quote, $ (2026 benchmarks below — use your real quote) Policy benefit pool, $ (the 2026 benchmark design is $165,000 initial) Benefit grows 3%/year (inflation rider)