BobKamman
Level 15

I would subtract the LTC benefits from the LTC costs only.  Also, I think there's a $370 daily limit on nontaxable benefits.  I haven't seen any returns where benefits exceeded costs, but I have a couple clients who are paying on two policies (not sure why) so might profit from dementia or other ailments.  Also, policies that cover in-home nursing care might pay more than $11K/month.