Long-Term Care Simplified—with AI Insights.

Most of us will require some level of care at some point. Having a plan spares you and your loved ones from rushed decisions later.

Medicare covers limited, short-term skilled nursing or rehab—not the extended custodial care many seniors need. That’s where private planning comes in.

That’s often the best time to plan, when coverage is more affordable and you can choose from more options.

Costs vary by location and care level. Waterlily personalizes estimates to your ZIP code, but it’s not unusual to see six-figure total costs.

After you complete the intake (3–4 minutes), we usually review and share your results within a day or two.

Absolutely. Waterlily shows whether your existing policy is sufficient for your predicted care needs—or if you might need additional coverage.

Even robust savings can be depleted by the high costs of prolonged care. By planning in advance—whether through insurance, annuities, or dedicated funds—you safeguard your nest egg and maintain independence.

While no projection is perfect, Waterlily’s models draw on over 500 million data points, making them far more personalized than generic averages or standard Monte Carlo simulations.

LTC planning is flexible. We regularly review updates in your health, budget, or life situation. If something major shifts, we can adjust the plan to keep it aligned with your new reality.