Long-term-care funding gap API

Compute the long-term-care funding gap as inflation-adjusted net daily cost (daily cost minus existing benefit) × 365 over the care duration, net of assets available — the LTC self-funding-gap method. Deterministic inflation math. Answers 'how much long-term care will cost', 'LTC funding gap', 'long-term care insurance need', 'cost of nursing care over 3 years'.

Price$0.01per request

MethodPOST

Route/v1/calc/ins-long-term-care

StatusLive

MIME typeapplication/json

Rate limit120/minute

CacheNo cache

calcinsuranceltclong-term-careelderactuarialneedinflation

API URLhttps://x402.hexl.dev/v1/calc/ins-long-term-care

Integration docs

Example request

{
  "dailyCost": 300,
  "careYears": 3,
  "existingDailyBenefit": 100,
  "assetsAvailable": 50000
}

Example response

{
  "method": "Long-term-care funding gap",
  "inflationAdjustedTotalCost": 227876.8,
  "assetsAvailable": 50000,
  "fundingGap": 177876.8,
  "careYears": 3,
  "netDailyCost": 200
}

Input schema

{
  "type": "object",
  "required": [
    "dailyCost",
    "careYears"
  ],
  "properties": {
    "dailyCost": {
      "type": "number",
      "examples": [
        300
      ],
      "description": "daily care cost (USD)"
    },
    "careYears": {
      "type": "number",
      "examples": [
        3
      ]
    },
    "existingDailyBenefit": {
      "type": "number",
      "examples": [
        100
      ]
    },
    "inflationRate": {
      "type": "number",
      "examples": [
        0.04
      ],
      "description": "default 0.04"
    },
    "assetsAvailable": {
      "type": "number",
      "examples": [
        50000
      ]
    }
  }
}

Output schema

{
  "type": "object",
  "additionalProperties": true
}