Bahr Advisory Services

Input Fields:

Current Age: Your age now.

Age of Claim: Your age when you will start requiring benefit payouts.

Benefit Period: The Policy Benefit Period you have chosen in you policy design.

Daily Benefit: Amount of LTC Daily Benefit you are purchasing.

Annualized Premium: The yearly premium you are thinking of paying, usually determined by the Premium Calculator.

Rate of Return on investment: A drop down box which allows you to choose an assumed rate of return on your LTC premiums if you were to self-insure and invest your premiums instead. You have a choice of a compounded investment return from 0 to 10% per year. anniversary.

Inflation: The inflation option you have chosen for your LTC Plan. A dropdown box gives you a choice

• None: A choice of no inflation benefit applied to your original Daily Benefit

• Simple: The original Daily Benefit is increased by 5% each year of the original benefit chosen. For example, 5% Simple on an original daily benefit of $100 per day would increase the benefit each year by $5 on policy.

• Compound: The original Daily Benefit grows by a 5% compound interest rate each year at policy anniversary. The 5% is applied to the total amount of benefit each year.

Tax Bracket: Select the value closest to your current tax bracket.