Disclaimer

1. Educational purpose only

Care Cost Clarity, the free long-term care cost calculator on this Site, and the Full Offline Planner are provided for educational and informational purposes only. They are designed to help families and retirees start a planning conversation. They are not a substitute for professional advice.

2. Not professional advice

Nothing on this Site constitutes financial, investment, legal, tax, accounting, medical, nursing, insurance, Medicare, Medicaid, elder-care, or any other professional advice. You should consult a qualified professional who is familiar with your personal situation before making any decision based on information presented here.

3. Simplified assumptions

The Calculator and the Full Offline Planner use simplified assumptions. They do not, for example, adjust for:

• Inflation or changes in the cost of care over time
• Investment returns, dividends, or capital gains
• Taxes
• Medicare, Medicaid, or other public benefit eligibility
• Long-term care insurance, life insurance, or annuity benefits
• Changes in care intensity, location, or family circumstances

Actual care costs and savings outcomes will differ from the estimates shown.

4. No guarantee of accuracy

We aim for clarity and reasonableness, but we make no representation or warranty — express or implied — about the accuracy, completeness, or suitability of any information, estimate, or projection produced by the Site or the Full Offline Planner. Always verify local care costs and your own financial figures independently.

5. No client relationship

Using this Site or the Full Offline Planner does not create a professional, fiduciary, advisory, or client relationship of any kind between you and Care Cost Clarity.

6. Third-party links and products

The Site links to Gumroad for purchasing the Full Offline Planner and may reference other third parties. We are not responsible for the content, products, services, or practices of any third party.

7. Limitation of liability

To the fullest extent permitted by law, Care Cost Clarity and its creator will not be liable for any direct, indirect, incidental, consequential, or special damages arising out of or in connection with your use of, or reliance on, the Site, the Calculator, or the Full Offline Planner.

8. Changes

We may update this Disclaimer from time to time. The "Last updated" date at the top of this page reflects the latest version.

9. Contact

Questions about this Disclaimer? Please use our contact page.