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It depends on how much care you need. My grandad was only $3000 a month at first, but then they had to upgrade his care and Surprise! Doubling your rates. And yeah, hopefully you will never need long term care, my grandmother is 89 and still living alone although we are getting someone to come in and help her a few times a week. On the other hand, my neighbor had a major back injury followed by a broken leg and wound up in a home at 60. Luckily he is a veteran but that would have probably destroyed his ranch if he didn't have VA coverage.