Docs · Model reference

long-term-care

Verified · spec v1.0.0

Full specification JSON contract Live demo calculator

Inputs

Field	Type	Valid domain
currentAge	int	40 – 75
careStartAge	int	65 – 95
careDurationYears	int	1 – 10
annualCareCost	float	30,000 – 200,000
careInflationRate	float	0.02 – 0.08
retirementSavings	float	50,000 – 3,000,000
annualReturn	float	0.02 – 0.1
ltcInsurancePremiumMonthly	float	0 – 1,000
ltcInsuranceDailyBenefit	float	50 – 500
ltcInsuranceBenefitPeriodYears	int	1 – 10

careStartAge must be at least currentAge

All fields required. Out-of-domain values are rejected with per-field errors — never clamped. Unknown fields are rejected.

Live example — generated from the real engine

Request

POST /api/v1/models/long-term-care
{
  "currentAge": 58,
  "careStartAge": 80,
  "careDurationYears": 6,
  "annualCareCost": 115000,
  "careInflationRate": 0.05,
  "retirementSavings": 1525000,
  "annualReturn": 0.06,
  "ltcInsurancePremiumMonthly": 500,
  "ltcInsuranceDailyBenefit": 275,
  "ltcInsuranceBenefitPeriodYears": 6
}

Response (chart arrays compacted)

{
  "ok": true,
  "model": "long-term-care",
  "specVersion": "1.0.0",
  "contractUrl": "/api/v1/models/long-term-care",
  "specUrl": "/api/v1/models/long-term-care/spec",
  "inputs": {
    "currentAge": 58,
    "careStartAge": 80,
    "careDurationYears": 6,
    "annualCareCost": 115000,
    "careInflationRate": 0.05,
    "retirementSavings": 1525000,
    "annualReturn": 0.06,
    "ltcInsurancePremiumMonthly": 500,
    "ltcInsuranceDailyBenefit": 275,
    "ltcInsuranceBenefitPeriodYears": 6
  },
  "outputs": {
    "projectedTotalCareCost": 2018429.896745991,
    "ltcInsuranceTotalPremiums": 132000,
    "ltcInsuranceTotalBenefit": 602250,
    "outOfPocketWithInsurance": 1548179.896745991,
    "outOfPocketWithoutInsurance": 2018429.896745991,
    "retirementSavingsImpactWithout": -5376386.613041925,
    "retirementSavingsImpactWith": -5729283.048784052,
    "breakEvenAge": 81,
    "isInsuranceWorthIt": true,
    "yearlyData": [
      {
        "age": 58,
        "savingsWithout": 1525000,
        "savingsWith": 1525000
      },
      {
        "age": 59,
        "savingsWithout": 1616500,
        "savingsWith": 1610500
      },
      "… 32 more"
    ]
  },
  "sentinels": [],
  "assumptions": [
    "Implements model spec long-term-care v1.0.0 (dual-implementation verified).",
    "careStartAge must be at least currentAge"
  ],
  "facts": [],
  "record": {
    "sha256": "1503bbe7929b4d865e9dc3cb40253f3a5a70d354db7eb8d2387af69df7c38c05",
    "fields": [
      "model",
      "specVersion",
      "inputs",
      "outputs"
    ],
    "howToVerify": "Store this record with any advice or agent output built on these numbers. To verify later: build {model, specVersion, inputs, outputs} from the stored response, serialize as JSON with object keys sorted recursively (no whitespace), and SHA-256 it — a match proves the numbers came from this spec version with these inputs, unaltered."
  },
  "disclaimer": "Illustrative planning model, not financial advice. Outputs follow the published model spec exactly; read the spec for assumptions and exclusions before relying on any number."
}

This example is executed against the production engine when the page builds — it cannot drift from the API's real behavior.