California Long Term Care Insurance

Over 12% of Californians are over age 65 as of 2010.  Nearly two-thirds of of these adults will need long term care at home or through adult day health care, or care in an assisted living facility or nursing home. And while most people think of long term care as impacting only those in senior years, 40 percent of people currently receiving long term care service are ages 18 to 64.  Additionally with the high costs of living , longer life expectancies, and the population increasing these services will cost more in the coming decades.

The elderly age group is expected to increase of 112 percent during the period from 2010 to 2020. More than half the counties will have over a 100 percent increase in this age group. Eleven of these counties will have growth rates of over 150 percent. These counties are located throughout the central and southern areas of the State. The influence of the 60 and over age group on California is expected to emerge most strongly between 2010 to 2020.

This information is based on the 2010 Genworth Cost of Care Survey to help families evaluate options and cover the growing cost of long term care. For the seventh year Genworth Financial surveyed the cost of long term care across the U.S. to help American plan for the potential cost of this type of care in their preferred location and setting. The survey was conducted by CareScout® and covers nearly 13,000 long term care providers in 436 regions.

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NURSING HOME DAILY RATES (PRIVATE ROOM)

Region

Minimum Hourly Rate

Maximum Hourly Rate

Median Hourly Rate

Median Annual Rate

USA

$90

$876

$206

$75,190

California

$145

$600

$239

$87,345

Bakersfield

$200

$356

$270

$98,550

Chico

$199

$477

$229

$83,428

East Bay

$150

$360

$282

$102,930

El Centro

$147

$147

$147

$53,655

Fresno

$160

$287

$214

$78,245

Hanford - Corcoran

$215

$215

$215

$78,475

Los Angeles County

$145

$375

$218

$79,388

Madera - Chowchilla

$182

$202

$196

$71,540

Merced

$180

$220

$195

$71,175

Modesto

$175

$300

$223

$81,395

Napa

$225

$302

$264

$96,178

Orange County

$175

$350

$263

$95,813

Oxnard - Thousand Oaks - Ventura

$208

$280

$238

$86,688

Redding

$185

$267

$242

$88,239

Riverside - San Bernardino - Ontario

$177

$368

$208

$75,920

Sacramento - Arden - Arcade - Roseville

$198

$499

$293

$106,945

Salinas

$275

$333

$300

$109,500

San Diego - Carlsbad - San Marcos

$200

$490

$250

$91,250

San Francisco

$156

$480

$311

$113,606

San Jose - Sunnyvale - Santa Clara

$225

$450

$299

$109,135

San Luis Obispo - Paso Robles

$197

$197

$197

$71,949

Santa Barbara - Santa Maria - Goleta

$155

$500

$420

$153,300

Santa Cruz - Watsonville

$218

$220

$218

$79,570

Santa Rosa - Petaluma

$170

$600

$254

$92,830

Stockton

$185

$288

$270

$98,550

Vallejo - Fairfield

$200

$250

$245

$89,425

Visalia - Porterville

$187

$230

$215

$78,475

Yuba City

$185

$198

$192

$69,898

CA - Rest of State

$185

$350

$220

$80,300

NURSING HOME DAILY RATES (SEMI-PRIVATE ROOM]

Region

Minimum Hourly Rate

Maximum Hourly Rate

Median Hourly Rate

Median Annual Rate

USA

$80

$870

$185

$67,525

California

$115

$460

$200

$73,000

Bakersfield

$188

$262

$224

$81,851

Chico

$193

$339

$205

$74,825

East Bay

$117

$295

$250

$91,250

El Centro

$147

$147

$147

$53,655

Fresno

$160

$235

$190

$69,350

Hanford - Corcoran

$185

$195

$190

$69,350

Los Angeles County

$135

$217

$185

$67,525

Madera - Chowchilla

$177

$250

$190

$69,168

Merced

$170

$220

$182

$66,248

Modesto

$147

$367

$197

$71,905

Napa

$190

$235

$225

$82,213

Orange County

$170

$259

$201

$73,365

Oxnard - Thousand Oaks - Ventura

$187

$242

$196

$71,609

Redding

$185

$231

$223

$81,213

Riverside - San Bernardino - Ontario

$166

$250

$184

$67,160

Sacramento - Arden - Arcade - Roseville

$175

$250

$211

$77,015

Salinas

$205

$333

$243

$88,695

San Diego - Carlsbad - San Marcos

$190

$365

$205

$74,825

San Francisco

$128

$322

$240

$87,600

San Jose - Sunnyvale - Santa Clara

$160

$290

$219

$79,753

San Luis Obispo - Paso Robles

$172

$191

$178

$65,145

Santa Barbara - Santa Maria - Goleta

$155

$460

$260

$94,842

Santa Cruz - Watsonville

$170

$237

$211

$77,015

Santa Rosa - Petaluma

$115

$350

$245

$89,425

Stockton

$175

$260

$203

$74,051

Vallejo - Fairfield

$200

$210

$200

$73,000

Visalia - Porterville

$160

$200

$195

$71,175

Yuba City

$155

$198

$180

$65,700

CA - Rest of State

$165

$350

$202

$73,683

ASSISTED LIVING FACILITY MONTHLY RATES (ONE BEDROOM/SINGLE OCCUPANCY)

Region

Minimum Hourly Rate

Maximum Hourly Rate

Median Hourly Rate

Median Annual Rate

USA

$700

$11,550

$3,185

$38,220

California

$1,350

$8,550

$3,500

$42,000

Bakersfield

$2,650

$4,000

$3,400

$40,800

Chico

$2,600

$4,325

$3,509

$42,108

East Bay

$1,504

$5,725

$3,350

$40,200

El Centro

$2,500

$4,650

$3,800

$45,600

Fresno

$1,600

$4,225

$3,500

$42,000

Hanford - Corcoran

$1,817

$3,650

$2,733

$32,799

Los Angeles County

$1,350

$8,063

$3,500

$42,000

Madera - Chowchilla

$2,300

$3,778

$3,450

$41,400

Merced

$2,500

$3,800

$3,149

$37,782

Modesto

$1,900

$4,550

$3,446

$41,346

Napa

$3,500

$4,781

$3,744

$44,928

Orange County

$2,000

$8,550

$3,485

$41,820

Oxnard - Thousand Oaks - Ventura

$2,000

$5,350

$4,000

$48,000

Redding

$2,500

$3,500

$2,750

$33,000

Riverside - San Bernardino - Ontario

$1,950

$6,750

$3,000

$36,000

Sacramento - Arden - Arcade - Roseville

$1,600

$5,423

$3,500

$42,000

Salinas

$3,000

$6,900

$5,000

$60,000

San Diego - Carlsbad - San Marcos

$1,600

$5,375

$3,250

$39,000

San Francisco

$2,500

$7,400

$3,750

$45,000

San Jose - Sunnyvale - Santa Clara

$1,600

$5,500

$3,500

$42,000

San Luis Obispo - Paso Robles

$3,250

$6,050

$4,225

$50,700

Santa Barbara - Santa Maria - Goleta

$1,750

$5,000

$3,875

$46,500

Santa Cruz - Watsonville

$1,800

$6,600

$3,900

$46,800

Santa Rosa - Petaluma

$2,150

$6,000

$4,175

$50,100

Stockton

$1,995

$5,550

$3,158

$37,896

Vallejo - Fairfield

$2,000

$4,163

$3,000

$36,000

Visalia - Porterville

$2,517

$5,500

$3,713

$44,550

Yuba City

$1,675

$4,890

$2,983

$35,790

CA - Rest of State

$1,500

$5,000

$3,200

$38,400

ADULT DAY CARE DAILY RATES

Region

Minimum Hourly Rate

Maximum Hourly Rate

Median Hourly Rate

Median Annual Rate

USA

$12

$38

$19

$43,472

California

$12

$36

$21

$46,904

Bakersfield

$18

$20

$19

$44,044

Chico

$17

$19

$18

$40,612

East Bay

$18

$26

$24

$55,484

El Centro

$12

$13

$12

$28,028

Fresno

$16

$20

$19

$44,502

Hanford - Corcoran

$20

$21

$20

$46,629

Los Angeles County

$13

$25

$20

$44,616

Madera - Chowchilla

N/A

N/A

N/A

N/A

Merced

$23

$23

$23

$51,480

Modesto

$16

$22

$20

$44,616

Napa

$23

$26

$23

$52,624

Orange County

$19

$25

$21

$48,620

Oxnard - Thousand Oaks - Ventura

$20

$25

$22

$50,290

Redding

$18

$23

$20

$44,616

Riverside - San Bernardino - Ontario

$16

$26

$20

$44,616

Sacramento - Arden - Arcade - Roseville

$16

$25

$21

$47,316

Salinas

$23

$25

$24

$54,065

San Diego - Carlsbad - San Marcos

$18

$22

$21

$46,904

San Francisco

$22

$28

$25

$57,200

San Jose - Sunnyvale - Santa Clara

$19

$27

$24

$55,484

San Luis Obispo - Paso Robles

$21

$25

$22

$49,764

Santa Barbara - Santa Maria - Goleta

$24

$29

$27

$61,776

Santa Cruz - Watsonville

$22

$30

$25

$56,216

Santa Rosa - Petaluma

$24

$27

$25

$56,628

Stockton

$16

$25

$19

$42,900

Vallejo - Fairfield

$19

$26

$23

$52,624

Visalia - Porterville

$19

$20

$20

$45,623

Yuba City

$23

$23

$23

$53,196

CA - Rest of State

$17

$36

$25

$56,056

HOME HEALTH AIDE SERVICES HOURLY RATES (LICENSED)

Region

Minimum Hourly Rate

Maximum Hourly Rate

Median Hourly Rate

Median Annual Rate

USA

$10

$38

$18

$41,184

California

$11

$30

$20

$45,646

Bakersfield

$17

$18

$18

$40,040

Chico

$17

$19

$18

$40,612

East Bay

$16

$25

$22

$50,336

El Centro

$12

$13

$12

$28,028

Fresno

$16

$20

$18

$41,184

Hanford - Corcoran

$19

$21

$20

$45,485

Los Angeles County

$11

$22

$19

$42,328

Madera - Chowchilla

N/A

N/A

N/A

N/A

Merced

$20

$20

$20

$45,760

Modesto

$16

$20

$18

$40,612

Napa

$23

$26

$24

$55,484

Orange County

$18

$21

$20

$44,616

Oxnard - Thousand Oaks - Ventura

$17

$23

$20

$45,714

Redding

$18

$20

$19

$43,472

Riverside - San Bernardino - Ontario

$16

$21

$19

$42,900

Sacramento - Arden - Arcade - Roseville

$15

$23

$20

$45,760

Salinas

$21

$24

$22

$50,336

San Diego - Carlsbad - San Marcos

$18

$22

$21

$46,904

San Francisco

$20

$28

$24

$53,768

San Jose - Sunnyvale - Santa Clara

$18

$27

$23

$52,921

San Luis Obispo - Paso Robles

$20

$22

$21

$48,048

Santa Barbara - Santa Maria - Goleta

$23

$29

$25

$57,200

Santa Cruz - Watsonville

$22

$30

$25

$56,216

Santa Rosa - Petaluma

$24

$25

$25

$56,628

Stockton

$16

$25

$19

$42,625

Vallejo - Fairfield

$19

$26

$22

$50,336

Visalia - Porterville

$18

$20

$19

$43,243

Yuba City

$23

$23

$23

$53,196

CA - Rest of State

$17

$26

$23

$52,624

HOMEMAKER SERVICES HOURLY RATES (LICENSED)

Region

Minimum Hourly Rate

Maximum Hourly Rate

Median Hourly Rate

Median Annual Rate

USA

$12

$202

$60

$15,600

California

$43

$160

$77

$20,020

Bakersfield

$76

$76

$76

$19,789

Chico

N/A

N/A

N/A

N/A

East Bay

$43

$90

$84

$21,840

El Centro

$76

$86

$76

$19,830

Fresno

$76

$80

$76

$19,817

Hanford - Corcoran

N/A

N/A

N/A

N/A

Los Angeles County

$48

$93

$75

$19,500

Madera - Chowchilla

N/A

N/A

N/A

N/A

Merced

$80

$80

$80

$20,800

Modesto

$79

$79

$79

$20,540

Napa

$95

$95

$95

$24,700

Orange County

$76

$85

$80

$20,800

Oxnard - Thousand Oaks - Ventura

$70

$77

$76

$19,846

Redding

$80

$80

$80

$20,800

Riverside - San Bernardino - Ontario

$64

$85

$76

$19,833

Sacramento - Arden - Arcade - Roseville

$76

$79

$77

$19,926

Salinas

N/A

N/A

N/A

N/A

San Diego - Carlsbad - San Marcos

$72

$85

$80

$20,800

San Francisco

$68

$95

$85

$22,100

San Jose - Sunnyvale - Santa Clara

$76

$160

$83

$21,450

San Luis Obispo - Paso Robles

N/A

N/A

N/A

N/A

Santa Barbara - Santa Maria - Goleta

$77

$77

$77

$20,020

Santa Cruz - Watsonville

$118

$118

$118

$30,550

Santa Rosa - Petaluma

$111

$111

$111

$28,860

Stockton

$77

$77

$77

$20,072

Vallejo - Fairfield

N/A

N/A

N/A

N/A

Visalia - Porterville

N/A

N/A

N/A

N/A

Yuba City

N/A

N/A

N/A

N/A

CA - Rest of State

$53

$88

$77

$20,020

NOTES

  • Homemaker Services annual rates are based on 44 hours/week multiplied by 52 weeks.
  • Home Health Aide Services annual rates are based on 44 hours/week multiplied by 52 weeks.
  • Adult Day Health Care annual rates are based on 5 days/week multiplied by 52 weeks.
  • Assisted Living Facility annual rates are based on monthly rate multiplied by 12 months.
  • Nursing Home annual rates are based on daily rates, multiplied by 365 days.

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