Cost of Care Survey 2015 Genworth 2015 Cost of Care Survey Home Care Providers, Adult Day Health Care Facilities, Assisted Living Facilities and Nursing Homes 130568 03/20/15 Cost of Care Survey 2015 Long term care plans start with the Genworth 2015 Cost of Care Survey The Genworth Cost of Care Survey has been the foundation for long term care planning since 2004. Knowing the costs of different types of care — whether the care is provided at home or in a facility — can help you plan for these expenses. The 2015 survey, conducted by CareScout,® is the most comprehensive of its kind, covering 440 regions across the U.S. and based on data collected from more than 47,000 provider survey outreaches. 70% How important is it? This depth of detail can help you make more localized, personalized estimates of what long term care may cost you. For more than 40 years, Genworth has been a leading provider of long term care insurance.* Just as important, we have an ongoing commitment to educating consumers, financial professionals, policymakers and others on the importance of planning for long term care. An advance plan is essential to managing the impacts of long term care. The cost data in this survey report is a great starting point because it could help you understand whether you might need to pursue alternative funding sources for potential care. Take the first step and start thinking about what your long term care plan will look like. At least 70% of people over the age of 65 will require some form of long term care services and support during their lives.** * L ong term care insurance is underwritten by Genworth Life Insurance Company and in New York by Genworth Life Insurance Company of New York. Administrative Office: Richmond, VA ** 2015 Medicare & You, National Medicare Handbook, Centers for Medicare & Medicaid Services, September 2014 1 Cost of Care Survey 2015 Contents Understanding Long Term Care Summary of 2015 Survey Findings .......................................................................................................... 4 Paying for Long Term Care Services ........................................................................................................ 6 The True Impact of Long Term Care........................................................................................................ 8 Start the Planning Process ......................................................................................................................... 9 Cost of Care Maps Homemaker Services................................................................................................................................ 12 Home Health Aide Services..................................................................................................................... 13 Adult Day Health Care ............................................................................................................................. 14 Assisted Living Facility (One Bedroom – Single Occupancy) ............................................................. 15 Nursing Home (Semi-Private Room) ...................................................................................................... 16 Nursing Home (Private Room) ................................................................................................................ 17 National and State Cost of Care Tables ................................................................................................. 18 Homemaker Services Home Health Aide Services Adult Day Health Care Assisted Living Facility (One Bedroom – Single Occupancy) Nursing Home (Semi-Private Room) Nursing Home (Private Room) Data Table End Notes .............................................................................................................................. 71 Appendix Region Definitions (Counties) .................................................................................................................. 72 Methodology ............................................................................................................................................. 85 3 Cost of Care Survey 2015 Summary of 2015 Survey Findings Over the past 12 years, Genworth has uncovered several trends in the long term care services landscape. Not surprisingly, the cost of all types of care has steadily risen over the years — from homemaker services to nursing home care. However, the cost of care provided in people’s homes has not risen by the same degree as care provided in facilities. Genworth’s experience shows that the majority of claims begin in the home. Plus, our research shows that being able to stay at home is very important for most people thinking about buying long term care insurance.* In other words, this gradual increase in cost for home care is good news for many consumers. Long term care can be provided in a variety of settings. A licensed health care practitioner, such as a physician, registered nurse or social worker, can determine a plan of care that could include the following: COMMUNITY HOME Homemaker Services: Service providing help with household tasks that cannot be managed alone. Homemaker services includes “hands-off”care such as cooking, cleaning and running errands. 4 Home Health Aide Services: Home health aides offer services to people who need more extensive care. It is “hands-on” personal care, but not medical care. This is the rate charged by a non-Medicare certified, licensed agency. Adult Day Health Care (ADC): Provides social and support services in a community-based, protective setting. Various models are designed to offer socialization, supervision and structured activities. Some programs may provide personal care, transportation, medical management and meals. * Genworth LTCi Purchaser Study, 2012 NATIONAL MEDIAN HOURLY RATE INCREASE OVER 2014 FIVE-YEAR ANNUAL GROWTH1 $20 2.63% 1.61% NATIONAL MEDIAN HOURLY RATE INCREASE OVER 2014 FIVE-YEAR ANNUAL GROWTH1 $20 1.27% 1.03% NATIONAL MEDIAN DAILY RATE INCREASE OVER 2014 FIVE-YEAR ANNUAL GROWTH1 $69 5.94% 2.79% Cost of Care Survey 2015 FACILITY Assisted Living Facility (ALF): Residential arrangements providing personal care and health services. The level of care may not be as extensive as that of a nursing home. Assisted living is often an alternative to a nursing home, or an intermediate level of long term care. Nursing Home Care: These facilities often provide a higher level of supervision and care than Assisted Living Facilities. They offer residents personal care assistance, room and board, supervision, medication, therapies and rehabilitation, and on-site nursing care 24 hours a day. NATIONAL MEDIAN MONTHLY RATE INCREASE OVER 2014 FIVE-YEAR ANNUAL GROWTH1 $3,600 2.86% 2.48% Semi-Private Room NATIONAL MEDIAN DAILY RATE INCREASE OVER 2014 FIVE-YEAR ANNUAL GROWTH1 $220 3.77% 3.53% Private Room NATIONAL MEDIAN DAILY RATE INCREASE OVER 2014 FIVE-YEAR ANNUAL GROWTH1 $250 4.17% 3.95% Percentage increase represents the compound annual growth rate for surveys conducted from 2010 to 2015. 1 5 Cost of Care Survey 2015 Paying for Long Term Care Services Generally speaking, there are four ways to obtain long term care services. You can pay for services on your own (self-fund), rely on family and friends for help, work with Medicare/Medicaid, or use long term care insurance. Keep in mind that you may combine more than one of these solutions to help cover your long term care costs. Self-Funding If you have a pool of money set aside for retirement expenses, it could be a source of funds for long term care costs. Or if a loved one needs long term care, your income may be adequate to cover their expenses. Medicare/Medicaid Medicare and Medicaid may contribute toward long term care expenses; however, there may be specific coverage limitations and asset requirements that you should be aware of. Family and Friends You may also plan to rely on family or friends. This can be a great solution for families committed to providing care, but it can be physically and emotionally demanding. Long Term Care Insurance and other Funding Solutions If you qualify for long term care insurance, it can be a way to help pay for long term care services. There are also products that combine long term care protection with life insurance and annuities. Having a plan that incorporates these types of solutions can help you get the kind of care you want and need, whether it’s provided in your home or in a facility. Such a plan can also help reduce the burden placed on family and friends who have volunteered to help care for you, and protect your assets from the cost of care. 6 Atlt'a . Cost of Care Survey 2015 The True Impact of Long Term Care As highlighted in this survey report, long term care can have a major financial impact. While anticipating this impact is extremely important, it is only one of many components to address when planning. The impacts can extend far beyond dollars, affecting careers and personal lives. For instance, being a caregiver can eat away at work time and leisure time, impacting both income and well-being. Caregivers’ health and relationships can be affected by the demands they face. Small and large expenses can crop up, from groceries for a loved one to home modifications like ramps and grab handles. It all adds up over time. But often, taking a step back from these everyday pressures and emotional and physical challenges can offer new opportunities as part of the caregiver experience. By making adjustments, caregivers can find ways to adapt and change perspectives. There are also many places in the community to find support and education on the caregiving journey. 8 Family Caregivers Speak Up ALMOST HALF (46%) of family caregivers spent more than $5,000 each year in caregiving costs.† 33% spent more than 30 hours per week on caregiving 66% experienced care-related distractions such as phone calls and emails while working 60% said caregiving duties had a negative effect on their jobs † “Senior Care Cost Index.” Caring.com. Caring, Inc., Sept. 2014. Web. 13 Feb. 2015. http://www.caring.com/ research/senior-care-cost-index-2014 Cost of Care Survey 2015 Start the Planning Process Any plan is almost always better than none. Genworth can help you kick-start your own planning process with informative publications and tools. Begin the journey for the long term. Let’s Talk: Conversations that make a difference Genworth 2015 Cost of Care Online The Plan for Living Workbook It can be difficult to talk to loved ones about what the future may hold. Get the conversation started with “Let’s Talk.” The information and tools offered on genworth.com/lets-talk will help you prepare for productive conversations. Talking now and taking charge can prepare you and your loved ones for life’s twists and turns. Our website — genworth.com/costofcare — provides much more information about the cost of care. The interactive map features daily, monthly and annual long term care rates for 440 regions throughout the U.S., offers the ability to compare up to three locations, and calculates projected costs for up to 30 years out. Outline your goals for a comfortable and fulfilling retirement. “The Plan for Living Workbook” identifies some risks you may face and provides the tools to help you develop an action plan for the long term. 9 Cost of Care Survey 2015 Genworth 2015 Cost of Care Maps Genworth 2015 Cost of Care National and State Data Tables 11 12 CA NV $48,048 AK $59,488 $51,480 OR $49,764 WA $54,088 AZ $45,760 UT $48,048 ID $43,769 HI $54,912 NM $43,426 CO $49,718 WY $46,561 MT $52,624 TX $42,328 OK MO LA AL $36,608 TN $40,704 KY GA FL $41,184 SC DC $45,760 NJ $46,332 MD $44,616 DE $45,760 RI $53,768 CT $45,760 MA $54,340 NH $52,899 ME $50,336 Numbers exclude Puerto Rico NC $40,040 VA $41,184 PA $41,184 WV NY $48,048 VT $48,048 $46,790 $36,608 $41,184 OH $43,564 $43,426 IN $43,472 MI $45,485 USA $44,616 MS $36,608 $34,320 AR IL $48,048 WI $48,048 $38,896 $43,472 IA $51,343 MN $53,768 $43,426 KS $43,426 NE $50,222 SD $49,764 ND $59,854 Home Care: Homemaker Services Median Annual Cost 13 CA NV $49,489 AK $59,488 $52,624 OR $51,480 WA $54,912 AZ $45,760 UT $48,048 ID $46,332 HI $56,056 NM $46,057 CO $50,336 WY $49,421 MT $52,624 TX $42,603 OK $46,561 KS $45,760 NE $52,624 SD $52,006 ND $62,142 LA AL $37,752 TN $41,184 KY GA FL $43,472 SC DC $50,336 NJ $48,506 MD $45,760 DE $50,336 RI $56,925 CT $50,336 MA $57,200 NH $54,912 ME $50,794 Numbers exclude Puerto Rico NC $41,710 VA $43,472 PA $47,911 NY VT $50,336 $52,624 $42,328 WV $36,608 $41,184 OH $45,348 $43,907 IN $44,616 MI $46,904 USA $45,760 MS $37,752 $36,608 AR IL $49,192 WI $50,336 $38,896 MO $43,472 IA $52,624 MN $57,200 Home Care: Home Health Aide Services Median Annual Cost 14 CA NV $18,070 AK $31,829 $20,020 OR $23,010 WA $17,563 AZ $20,800 UT $23,140 ID $30,225 HI $17,225 NM $25,618 CO $16,900 WY $13,000 MT $24,765 KS TX $9,100 OK $15,600 $20,800 NE $14,560 SD $18,720 ND $19,562 LA $16,250 AR AL $9,425 TN $16,120 KY GA NY FL $16,900 SC DC $25,740 NJ $22,165 MD $20,540 DE $17,995 RI $17,290 CT $20,150 MA $16,900 NH $16,900 ME $28,080 Numbers exclude Puerto Rico NC $13,260 VA $16,900 PA VT $32,136 $22,100 $15,600 $14,381 WV $18,720 $15,600 OH $14,300 $17,430 IN $20,800 MI $20,800 USA $17,904 MS $9,100 IL $17,550 WI $16,900 $20,800 MO $20,795 IA $15,600 MN $20,267 Community Care: Adult Day Health Care Median Annual Cost 15 CA NV $38,850 AK $68,430 $45,000 OR $46,560 WA $55,500 AZ $41,010 UT $36,000 ID $38,880 HI $48,000 NM $42,000 CO $45,000 WY $46,800 MT $42,720 TX $42,540 OK $40,140 KS $50,250 NE $43,530 SD $36,276 ND $38,865 LA AL $36,900 TN $40,740 KY GA NY $49,200 FL $37,800 SC RI $63,900 CT $66,900 MA $63,600 NH $61,230 DC $94,050 NJ $68,700 MD $46,800 DE $68,940 VT ME $57,600 Numbers exclude Puerto Rico NC $36,000 VA $47,196 PA $42,660 $37,500 WV $42,000 $34,560 OH $46,680 $40,200 IN $44,310 MI $39,000 USA $43,200 MS $37,800 $36,120 AR IL $48,600 WI $47,760 $36,750 MO $30,300 IA $42,000 MN $41,613 $48,240 Facility Care: Assisted Living Facility (One Bedroom — Single Occupancy) Median Annual Cost 16 CA NV $86,140 AK $281,415 $89,396 OR $95,904 WA $96,933 AZ $70,080 UT $63,875 ID $83,220 HI $124,830 NM $74,643 CO $83,950 WY $80,300 MT $76,650 TX $51,100 OK LA AL $69,715 TN $70,080 KY GA FL $87,600 SC DC $98,550 NJ $116,800 MD $101,379 DE $109,500 RI $93,075 CT $146,000 MA $128,845 NH $115,340 ME $100,375 Numbers exclude Puerto Rico NC $75,190 VA $80,483 PA $69,350 WV NY $131,758 VT $102,018 $105,485 $102,748 $66,795 OH $76,650 $75,920 IN $78,475 MI $90,703 USA $80,300 MS $74,825 $56,575 AR IL $64,788 WI $90,064 $56,575 MO $55,663 IA $63,875 MN $84,406 $53,290 KS $60,225 NE $71,785 SD $72,770 ND $100,375 Facility Care: Nursing Home (Semi-Private Room) Median Annual Cost 17 CA NV $98,550 AK $281,415 $104,025 OR $102,018 WA $105,631 AZ $85,045 UT $76,650 ID $88,513 HI $135,050 NM $85,410 CO $93,531 WY $89,243 MT $80,300 TX $68,620 OK $60,225 KS $65,700 NE $79,570 SD $77,380 ND $104,938 LA AL $76,267 TN $75,555 KY GA FL $96,725 SC DC $98,550 NJ $127,750 MD $110,230 DE $117,895 RI $103,113 CT $158,775 MA $139,580 NH $122,275 ME $107,675 Numbers exclude Puerto Rico NC $82,125 VA $92,688 PA $75,008 WV NY $136,437 VT $105,120 $113,150 $107,631 $71,175 OH $85,775 $87,235 IN $91,250 MI $99,098 USA $91,250 MS $80,300 $62,050 AR IL $74,460 WI $99,499 $65,850 MO $60,773 IA $68,255 MN $96,021 Facility Care: Nursing Home (Private Room) Median Annual Cost USA I Cost of Care Survey 2015 USA RATE RANGE MINIMUM MEDIAN MAXIMUM Homemaker Services MEDIAN ANNUAL RATE1 FIVE-YEAR ANNUAL GROWTH2 $8 $20 $40 $44,616 2% $8 $20 $40 $45,760 1% $10 $69 $242 $17,904 3% $600 $3,600 $11,250 $43,200 2% $90 $220 $1,255 $80,300 4% $101 $250 $1,255 $91,250 4% HOME Hourly Rates Home Health Aide Services COMMUNITY Hourly Rates Adult Day Health Care Daily Rates Assisted Living Facility (One Bedroom – Single Occupancy) FACILITY Monthly Rates Nursing Home (Semi-Private Room) Daily Rates Nursing Home (Private Room) Daily Rates 18 Cost of Care Survey 2015 I Alabama Alabama RATE RANGE MINIMUM MEDIAN MAXIMUM Homemaker Services MEDIAN ANNUAL RATE1 FIVE-YEAR ANNUAL GROWTH2 $13 $16 $21 $36,608 1% $13 $17 $27 $37,752 2% $20 $36 $122 $9,425 8% $930 $3,075 $6,524 $36,900 2% $130 $191 $289 $69,715 4% $140 $209 $396 $76,267 4% HOME Hourly Rates Home Health Aide Services COMMUNITY Hourly Rates Adult Day Health Care Daily Rates Assisted Living Facility (One Bedroom – Single Occupancy) FACILITY Monthly Rates Nursing Home (Semi-Private Room) Daily Rates Nursing Home (Private Room) Daily Rates 19 Alaska I Cost of Care Survey 2015 Alaska RATE RANGE MINIMUM MEDIAN MAXIMUM Homemaker Services MEDIAN ANNUAL RATE1 FIVE-YEAR ANNUAL GROWTH2 $22 $26 $29 $59,488 0% $24 $26 $29 $59,488 1% $84 $122 $168 $31,829 7% $800 $5,703 $8,250 $68,430 1% $461 $771 $1,255 $281,415 5% $461 $771 $1,255 $281,415 7% HOME Hourly Rates Home Health Aide Services COMMUNITY Hourly Rates Adult Day Health Care Daily Rates Assisted Living Facility (One Bedroom – Single Occupancy) FACILITY Monthly Rates Nursing Home (Semi-Private Room) Daily Rates Nursing Home (Private Room) Daily Rates 20 Cost of Care Survey 2015 I Arizona Arizona RATE RANGE MINIMUM MEDIAN MAXIMUM Homemaker Services MEDIAN ANNUAL RATE1 FIVE-YEAR ANNUAL GROWTH2 $10 $20 $25 $45,760 1% $14 $20 $25 $45,760 0% $65 $80 $138 $20,800 1% $1,400 $3,418 $7,072 $41,010 2% $130 $192 $550 $70,080 2% $164 $233 $650 $85,045 1% HOME Hourly Rates Home Health Aide Services COMMUNITY Hourly Rates Adult Day Health Care Daily Rates Assisted Living Facility (One Bedroom – Single Occupancy) FACILITY Monthly Rates Nursing Home (Semi-Private Room) Daily Rates Nursing Home (Private Room) Daily Rates 21 Arkansas I Cost of Care Survey 2015 Arkansas RATE RANGE MINIMUM MEDIAN MAXIMUM Homemaker Services MEDIAN ANNUAL RATE1 FIVE-YEAR ANNUAL GROWTH2 $11 $17 $21 $38,896 1% $11 $17 $21 $38,896 1% $48 $80 $119 $20,800 5% $1,100 $3,063 $5,900 $36,750 4% $113 $155 $435 $56,575 2% $130 $180 $865 $65,850 3% HOME Hourly Rates Home Health Aide Services COMMUNITY Hourly Rates Adult Day Health Care Daily Rates Assisted Living Facility (One Bedroom – Single Occupancy) FACILITY Monthly Rates Nursing Home (Semi-Private Room) Daily Rates Nursing Home (Private Room) Daily Rates 22 Cost of Care Survey 2015 I California California RATE RANGE MINIMUM MEDIAN MAXIMUM Homemaker Services MEDIAN ANNUAL RATE1 FIVE-YEAR ANNUAL GROWTH2 $12 $23 $35 $51,480 2% $12 $23 $35 $52,624 2% $25 $77 $195 $20,020 0% $698 $3,750 $10,650 $45,000 1% $93 $245 $913 $89,396 4% $144 $285 $913 $104,025 4% HOME Hourly Rates Home Health Aide Services COMMUNITY Hourly Rates Adult Day Health Care Daily Rates Assisted Living Facility (One Bedroom – Single Occupancy) FACILITY Monthly Rates Nursing Home (Semi-Private Room) Daily Rates Nursing Home (Private Room) Daily Rates 23 Colorado I Cost of Care Survey 2015 Colorado RATE RANGE MINIMUM MEDIAN MAXIMUM Homemaker Services MEDIAN ANNUAL RATE1 FIVE-YEAR ANNUAL GROWTH2 $13 $22 $30 $49,718 2% $13 $22 $31 $50,336 1% $47 $65 $210 $16,900 3% $2,050 $3,750 $8,850 $45,000 2% $173 $230 $650 $83,950 3% $179 $256 $650 $93,531 3% HOME Hourly Rates Home Health Aide Services COMMUNITY Hourly Rates Adult Day Health Care Daily Rates Assisted Living Facility (One Bedroom – Single Occupancy) FACILITY Monthly Rates Nursing Home (Semi-Private Room) Daily Rates Nursing Home (Private Room) Daily Rates 24 Cost of Care Survey 2015 I Connecticut Connecticut RATE RANGE MINIMUM MEDIAN MAXIMUM Homemaker Services MEDIAN ANNUAL RATE1 FIVE-YEAR ANNUAL GROWTH2 $16 $20 $25 $45,760 2% $16 $22 $33 $50,336 0% $20 $78 $86 $20,150 1% $2,551 $5,575 $10,800 $66,900 5% $195 $400 $480 $146,000 3% $215 $435 $505 $158,775 3% HOME Hourly Rates Home Health Aide Services COMMUNITY Hourly Rates Adult Day Health Care Daily Rates Assisted Living Facility (One Bedroom – Single Occupancy) FACILITY Monthly Rates Nursing Home (Semi-Private Room) Daily Rates Nursing Home (Private Room) Daily Rates 25 Delaware I Cost of Care Survey 2015 Delaware RATE RANGE MINIMUM MEDIAN MAXIMUM Homemaker Services MEDIAN ANNUAL RATE1 FIVE-YEAR ANNUAL GROWTH2 $15 $20 $25 $45,760 0% $18 $22 $25 $50,336 1% $50 $69 $82 $17,995 -3% $5,061 $5,745 $8,175 $68,940 3% $225 $300 $326 $109,500 6% $232 $323 $350 $117,895 6% HOME Hourly Rates Home Health Aide Services COMMUNITY Hourly Rates Adult Day Health Care Daily Rates Assisted Living Facility (One Bedroom – Single Occupancy) FACILITY Monthly Rates Nursing Home (Semi-Private Room) Daily Rates Nursing Home (Private Room) Daily Rates 26 Cost of Care Survey 2015 I District of Columbia District of Columbia RATE RANGE MINIMUM MEDIAN MAXIMUM Homemaker Services MEDIAN ANNUAL RATE1 FIVE-YEAR ANNUAL GROWTH2 $18 $20 $22 $45,760 1% $19 $22 $23 $50,336 1% $61 $99 $107 $25,740 4% $4,950 $7,838 $8,600 $94,050 13% $270 $270 $270 $98,550 N/A $270 $270 $270 $98,550 -6% HOME Hourly Rates Home Health Aide Services COMMUNITY Hourly Rates Adult Day Health Care Daily Rates Assisted Living Facility (One Bedroom – Single Occupancy) FACILITY Monthly Rates Nursing Home (Semi-Private Room) Daily Rates Nursing Home (Private Room) Daily Rates 27 Florida I Cost of Care Survey 2015 Florida RATE RANGE MINIMUM MEDIAN MAXIMUM Homemaker Services MEDIAN ANNUAL RATE1 FIVE-YEAR ANNUAL GROWTH2 $10 $18 $29 $41,184 2% $10 $19 $29 $43,472 1% $50 $65 $156 $16,900 3% $1,000 $3,150 $8,280 $37,800 4% $170 $240 $475 $87,600 3% $180 $265 $505 $96,725 3% HOME Hourly Rates Home Health Aide Services COMMUNITY Hourly Rates Adult Day Health Care Daily Rates Assisted Living Facility (One Bedroom – Single Occupancy) FACILITY Monthly Rates Nursing Home (Semi-Private Room) Daily Rates Nursing Home (Private Room) Daily Rates 28 Cost of Care Survey 2015 I Georgia Georgia RATE RANGE MINIMUM MEDIAN MAXIMUM Homemaker Services MEDIAN ANNUAL RATE1 FIVE-YEAR ANNUAL GROWTH2 $8 $18 $33 $41,184 1% $8 $18 $33 $41,184 1% $20 $60 $119 $15,600 2% $619 $2,880 $6,840 $34,560 4% $115 $183 $255 $66,795 3% $120 $195 $679 $71,175 3% HOME Hourly Rates Home Health Aide Services COMMUNITY Hourly Rates Adult Day Health Care Daily Rates Assisted Living Facility (One Bedroom – Single Occupancy) FACILITY Monthly Rates Nursing Home (Semi-Private Room) Daily Rates Nursing Home (Private Room) Daily Rates 29 Hawaii I Cost of Care Survey 2015 Hawaii RATE RANGE MINIMUM MEDIAN MAXIMUM Homemaker Services MEDIAN ANNUAL RATE1 FIVE-YEAR ANNUAL GROWTH2 $18 $24 $30 $54,912 4% $18 $25 $30 $56,056 2% $54 $66 $95 $17,225 0% $1,384 $4,000 $8,892 $48,000 1% $263 $342 $562 $124,830 2% $263 $370 $616 $135,050 3% HOME Hourly Rates Home Health Aide Services COMMUNITY Hourly Rates Adult Day Health Care Daily Rates Assisted Living Facility (One Bedroom – Single Occupancy) FACILITY Monthly Rates Nursing Home (Semi-Private Room) Daily Rates Nursing Home (Private Room) Daily Rates 30 Cost of Care Survey 2015 I Idaho Idaho RATE RANGE MINIMUM MEDIAN MAXIMUM Homemaker Services MEDIAN ANNUAL RATE1 FIVE-YEAR ANNUAL GROWTH2 $15 $19 $26 $43,769 2% $17 $20 $26 $46,332 4% $62 $116 $210 $30,225 8% $1,800 $3,240 $5,450 $38,880 0% $166 $228 $290 $83,220 4% $176 $243 $369 $88,513 3% HOME Hourly Rates Home Health Aide Services COMMUNITY Hourly Rates Adult Day Health Care Daily Rates Assisted Living Facility (One Bedroom – Single Occupancy) FACILITY Monthly Rates Nursing Home (Semi-Private Room) Daily Rates Nursing Home (Private Room) Daily Rates 31 Illinois I Cost of Care Survey 2015 Illinois RATE RANGE MINIMUM MEDIAN MAXIMUM Homemaker Services MEDIAN ANNUAL RATE1 FIVE-YEAR ANNUAL GROWTH2 $15 $21 $28 $48,048 2% $15 $22 $33 $49,192 1% $32 $68 $93 $17,550 2% $1,278 $4,050 $9,840 $48,600 2% $112 $178 $1,035 $64,788 3% $130 $204 $1,035 $74,460 3% HOME Hourly Rates Home Health Aide Services COMMUNITY Hourly Rates Adult Day Health Care Daily Rates Assisted Living Facility (One Bedroom – Single Occupancy) FACILITY Monthly Rates Nursing Home (Semi-Private Room) Daily Rates Nursing Home (Private Room) Daily Rates 32 Cost of Care Survey 2015 I Indiana Indiana RATE RANGE MINIMUM MEDIAN MAXIMUM Homemaker Services MEDIAN ANNUAL RATE1 FIVE-YEAR ANNUAL GROWTH2 $12 $19 $28 $43,472 1% $13 $20 $28 $44,616 1% $30 $80 $120 $20,800 5% $1,600 $3,693 $7,860 $44,310 0% $100 $215 $339 $78,475 4% $150 $250 $450 $91,250 4% HOME Hourly Rates Home Health Aide Services COMMUNITY Hourly Rates Adult Day Health Care Daily Rates Assisted Living Facility (One Bedroom – Single Occupancy) FACILITY Monthly Rates Nursing Home (Semi-Private Room) Daily Rates Nursing Home (Private Room) Daily Rates 33 Iowa I Cost of Care Survey 2015 Iowa RATE RANGE MINIMUM MEDIAN MAXIMUM Homemaker Services MEDIAN ANNUAL RATE1 FIVE-YEAR ANNUAL GROWTH2 $18 $22 $30 $51,343 2% $18 $23 $30 $52,624 2% $44 $60 $152 $15,600 3% $1,534 $3,500 $9,425 $42,000 2% $115 $175 $270 $63,875 4% $148 $187 $298 $68,255 4% HOME Hourly Rates Home Health Aide Services COMMUNITY Hourly Rates Adult Day Health Care Daily Rates Assisted Living Facility (One Bedroom – Single Occupancy) FACILITY Monthly Rates Nursing Home (Semi-Private Room) Daily Rates Nursing Home (Private Room) Daily Rates 34 Cost of Care Survey 2015 I Kansas Kansas RATE RANGE MINIMUM MEDIAN MAXIMUM Homemaker Services MEDIAN ANNUAL RATE1 FIVE-YEAR ANNUAL GROWTH2 $14 $19 $25 $43,426 1% $15 $20 $35 $45,760 2% $50 $80 $155 $20,800 4% $2,300 $4,188 $7,500 $50,250 4% $135 $165 $241 $60,225 3% $145 $180 $288 $65,700 3% HOME Hourly Rates Home Health Aide Services COMMUNITY Hourly Rates Adult Day Health Care Daily Rates Assisted Living Facility (One Bedroom – Single Occupancy) FACILITY Monthly Rates Nursing Home (Semi-Private Room) Daily Rates Nursing Home (Private Room) Daily Rates 35 Kentucky I Cost of Care Survey 2015 Kentucky RATE RANGE MINIMUM MEDIAN MAXIMUM Homemaker Services MEDIAN ANNUAL RATE1 FIVE-YEAR ANNUAL GROWTH2 $13 $19 $24 $43,426 3% $16 $19 $24 $43,907 2% $40 $67 $180 $17,430 2% $1,181 $3,350 $10,125 $40,200 6% $168 $208 $790 $75,920 4% $175 $239 $805 $87,235 5% HOME Hourly Rates Home Health Aide Services COMMUNITY Hourly Rates Adult Day Health Care Daily Rates Assisted Living Facility (One Bedroom – Single Occupancy) FACILITY Monthly Rates Nursing Home (Semi-Private Room) Daily Rates Nursing Home (Private Room) Daily Rates 36 Cost of Care Survey 2015 I Louisiana Louisiana RATE RANGE MINIMUM MEDIAN MAXIMUM Homemaker Services MEDIAN ANNUAL RATE1 FIVE-YEAR ANNUAL GROWTH2 $8 $15 $31 $34,320 1% $8 $16 $31 $36,608 1% $35 $63 $116 $16,250 2% $600 $3,010 $4,722 $36,120 0% $116 $155 $400 $56,575 4% $112 $170 $500 $62,050 4% HOME Hourly Rates Home Health Aide Services COMMUNITY Hourly Rates Adult Day Health Care Daily Rates Assisted Living Facility (One Bedroom – Single Occupancy) FACILITY Monthly Rates Nursing Home (Semi-Private Room) Daily Rates Nursing Home (Private Room) Daily Rates 37 Maine I Cost of Care Survey 2015 Maine RATE RANGE MINIMUM MEDIAN MAXIMUM Homemaker Services MEDIAN ANNUAL RATE1 FIVE-YEAR ANNUAL GROWTH2 $16 $22 $34 $50,336 2% $16 $22 $34 $50,794 -1% $76 $108 $168 $28,080 2% $1,935 $4,800 $8,880 $57,600 2% $189 $275 $409 $100,375 2% $215 $295 $443 $107,675 1% HOME Hourly Rates Home Health Aide Services COMMUNITY Hourly Rates Adult Day Health Care Daily Rates Assisted Living Facility (One Bedroom – Single Occupancy) FACILITY Monthly Rates Nursing Home (Semi-Private Room) Daily Rates Nursing Home (Private Room) Daily Rates 38 Cost of Care Survey 2015 I Maryland Maryland RATE RANGE MINIMUM MEDIAN MAXIMUM Homemaker Services MEDIAN ANNUAL RATE1 FIVE-YEAR ANNUAL GROWTH2 $9 $20 $26 $44,616 1% $11 $20 $27 $45,760 0% $50 $79 $96 $20,540 1% $1,750 $3,900 $8,950 $46,800 4% $189 $278 $368 $101,379 5% $200 $302 $464 $110,230 6% HOME Hourly Rates Home Health Aide Services COMMUNITY Hourly Rates Adult Day Health Care Daily Rates Assisted Living Facility (One Bedroom – Single Occupancy) FACILITY Monthly Rates Nursing Home (Semi-Private Room) Daily Rates Nursing Home (Private Room) Daily Rates 39 Massachusetts I Cost of Care Survey 2015 Massachusetts RATE RANGE MINIMUM MEDIAN MAXIMUM Homemaker Services MEDIAN ANNUAL RATE1 FIVE-YEAR ANNUAL GROWTH2 $14 $24 $31 $54,340 1% $16 $25 $34 $57,200 1% $30 $65 $93 $16,900 2% $1,988 $5,300 $9,495 $63,600 3% $225 $353 $525 $128,845 3% $225 $382 $489 $139,580 4% HOME Hourly Rates Home Health Aide Services COMMUNITY Hourly Rates Adult Day Health Care Daily Rates Assisted Living Facility (One Bedroom – Single Occupancy) FACILITY Monthly Rates Nursing Home (Semi-Private Room) Daily Rates Nursing Home (Private Room) Daily Rates 40 Cost of Care Survey 2015 I Michigan Michigan RATE RANGE MINIMUM MEDIAN MAXIMUM Homemaker Services MEDIAN ANNUAL RATE1 FIVE-YEAR ANNUAL GROWTH2 $10 $20 $26 $45,485 1% $10 $21 $28 $46,904 2% $35 $80 $175 $20,800 5% $800 $3,250 $8,465 $39,000 5% $187 $249 $363 $90,703 4% $197 $272 $464 $99,098 4% HOME Hourly Rates Home Health Aide Services COMMUNITY Hourly Rates Adult Day Health Care Daily Rates Assisted Living Facility (One Bedroom – Single Occupancy) FACILITY Monthly Rates Nursing Home (Semi-Private Room) Daily Rates Nursing Home (Private Room) Daily Rates 41 Minnesota I Cost of Care Survey 2015 Minnesota RATE RANGE MINIMUM MEDIAN MAXIMUM Homemaker Services MEDIAN ANNUAL RATE1 FIVE-YEAR ANNUAL GROWTH2 $15 $24 $32 $53,768 1% $16 $25 $35 $57,200 0% $44 $78 $125 $20,267 2% $876 $3,468 $10,500 $41,613 4% $107 $231 $380 $84,406 5% $167 $263 $424 $96,021 5% HOME Hourly Rates Home Health Aide Services COMMUNITY Hourly Rates Adult Day Health Care Daily Rates Assisted Living Facility (One Bedroom – Single Occupancy) FACILITY Monthly Rates Nursing Home (Semi-Private Room) Daily Rates Nursing Home (Private Room) Daily Rates 42 Cost of Care Survey 2015 I Mississippi Mississippi RATE RANGE MINIMUM MEDIAN MAXIMUM Homemaker Services MEDIAN ANNUAL RATE1 FIVE-YEAR ANNUAL GROWTH2 $15 $16 $25 $36,608 1% $15 $17 $25 $37,752 1% $35 $35 $75 $9,100 -11% $1,525 $3,150 $6,600 $37,800 3% $165 $205 $259 $74,825 3% $177 $220 $300 $80,300 3% HOME Hourly Rates Home Health Aide Services COMMUNITY Hourly Rates Adult Day Health Care Daily Rates Assisted Living Facility (One Bedroom – Single Occupancy) FACILITY Monthly Rates Nursing Home (Semi-Private Room) Daily Rates Nursing Home (Private Room) Daily Rates 43 Missouri I Cost of Care Survey 2015 Missouri RATE RANGE MINIMUM MEDIAN MAXIMUM Homemaker Services MEDIAN ANNUAL RATE1 FIVE-YEAR ANNUAL GROWTH2 $10 $19 $28 $43,472 1% $10 $19 $28 $43,472 1% $45 $80 $204 $20,795 3% $700 $2,525 $6,400 $30,300 2% $114 $153 $260 $55,663 3% $130 $167 $380 $60,773 3% HOME Hourly Rates Home Health Aide Services COMMUNITY Hourly Rates Adult Day Health Care Daily Rates Assisted Living Facility (One Bedroom – Single Occupancy) FACILITY Monthly Rates Nursing Home (Semi-Private Room) Daily Rates Nursing Home (Private Room) Daily Rates 44 Cost of Care Survey 2015 I Montana Montana RATE RANGE MINIMUM MEDIAN MAXIMUM Homemaker Services MEDIAN ANNUAL RATE1 FIVE-YEAR ANNUAL GROWTH2 $18 $23 $25 $52,624 4% $21 $23 $25 $52,624 3% $40 $95 $233 $24,765 7% $1,000 $3,560 $6,000 $42,720 4% $170 $210 $287 $76,650 4% $175 $220 $287 $80,300 3% HOME Hourly Rates Home Health Aide Services COMMUNITY Hourly Rates Adult Day Health Care Daily Rates Assisted Living Facility (One Bedroom – Single Occupancy) FACILITY Monthly Rates Nursing Home (Semi-Private Room) Daily Rates Nursing Home (Private Room) Daily Rates 45 Nebraska I Cost of Care Survey 2015 Nebraska RATE RANGE MINIMUM MEDIAN MAXIMUM Homemaker Services MEDIAN ANNUAL RATE1 FIVE-YEAR ANNUAL GROWTH2 $19 $22 $26 $50,222 5% $20 $23 $26 $52,624 4% $25 $56 $165 $14,560 4% $1,985 $3,628 $6,225 $43,530 1% $113 $197 $273 $71,785 3% $133 $218 $600 $79,570 4% HOME Hourly Rates Home Health Aide Services COMMUNITY Hourly Rates Adult Day Health Care Daily Rates Assisted Living Facility (One Bedroom – Single Occupancy) FACILITY Monthly Rates Nursing Home (Semi-Private Room) Daily Rates Nursing Home (Private Room) Daily Rates 46 Cost of Care Survey 2015 I Nevada Nevada RATE RANGE MINIMUM MEDIAN MAXIMUM Homemaker Services MEDIAN ANNUAL RATE1 FIVE-YEAR ANNUAL GROWTH2 $17 $21 $25 $48,048 1% $17 $22 $25 $49,489 1% $60 $70 $100 $18,070 1% $1,500 $3,238 $5,889 $38,850 3% $110 $236 $277 $86,140 4% $135 $270 $508 $98,550 5% HOME Hourly Rates Home Health Aide Services COMMUNITY Hourly Rates Adult Day Health Care Daily Rates Assisted Living Facility (One Bedroom – Single Occupancy) FACILITY Monthly Rates Nursing Home (Semi-Private Room) Daily Rates Nursing Home (Private Room) Daily Rates 47 New Hampshire I Cost of Care Survey 2015 New Hampshire RATE RANGE MINIMUM MEDIAN MAXIMUM Homemaker Services MEDIAN ANNUAL RATE1 FIVE-YEAR ANNUAL GROWTH2 $19 $23 $28 $52,899 1% $21 $24 $29 $54,912 0% $51 $65 $73 $16,900 2% $2,750 $5,103 $8,975 $61,230 7% $255 $316 $485 $115,340 4% $275 $335 $514 $122,275 4% HOME Hourly Rates Home Health Aide Services COMMUNITY Hourly Rates Adult Day Health Care Daily Rates Assisted Living Facility (One Bedroom – Single Occupancy) FACILITY Monthly Rates Nursing Home (Semi-Private Room) Daily Rates Nursing Home (Private Room) Daily Rates 48 Cost of Care Survey 2015 I New Jersey New Jersey RATE RANGE MINIMUM MEDIAN MAXIMUM Homemaker Services MEDIAN ANNUAL RATE1 FIVE-YEAR ANNUAL GROWTH2 $11 $20 $26 $46,332 1% $11 $21 $26 $48,506 1% $69 $85 $115 $22,165 1% $3,280 $5,725 $11,250 $68,700 4% $231 $320 $426 $116,800 3% $249 $350 $449 $127,750 3% HOME Hourly Rates Home Health Aide Services COMMUNITY Hourly Rates Adult Day Health Care Daily Rates Assisted Living Facility (One Bedroom – Single Occupancy) FACILITY Monthly Rates Nursing Home (Semi-Private Room) Daily Rates Nursing Home (Private Room) Daily Rates 49 New Mexico I Cost of Care Survey 2015 New Mexico RATE RANGE MINIMUM MEDIAN MAXIMUM Homemaker Services MEDIAN ANNUAL RATE1 FIVE-YEAR ANNUAL GROWTH2 $11 $19 $28 $43,426 1% $11 $20 $28 $46,057 1% $54 $99 $136 $25,618 6% $2,000 $3,500 $6,000 $42,000 2% $160 $205 $400 $74,643 3% $175 $234 $473 $85,410 4% HOME Hourly Rates Home Health Aide Services COMMUNITY Hourly Rates Adult Day Health Care Daily Rates Assisted Living Facility (One Bedroom – Single Occupancy) FACILITY Monthly Rates Nursing Home (Semi-Private Room) Daily Rates Nursing Home (Private Room) Daily Rates 50 Cost of Care Survey 2015 I New York New York RATE RANGE MINIMUM MEDIAN MAXIMUM Homemaker Services MEDIAN ANNUAL RATE1 FIVE-YEAR ANNUAL GROWTH2 $9 $21 $36 $48,048 1% $10 $23 $36 $52,624 2% $15 $85 $242 $22,100 4% $1,100 $4,100 $11,100 $49,200 5% $200 $361 $1,080 $131,758 4% $226 $374 $1,080 $136,437 3% HOME Hourly Rates Home Health Aide Services COMMUNITY Hourly Rates Adult Day Health Care Daily Rates Assisted Living Facility (One Bedroom – Single Occupancy) FACILITY Monthly Rates Nursing Home (Semi-Private Room) Daily Rates Nursing Home (Private Room) Daily Rates 51 North Carolina I Cost of Care Survey 2015 North Carolina RATE RANGE MINIMUM MEDIAN MAXIMUM Homemaker Services MEDIAN ANNUAL RATE1 FIVE-YEAR ANNUAL GROWTH2 $9 $18 $25 $40,040 1% $9 $18 $25 $41,710 0% $21 $51 $125 $13,260 1% $1,000 $3,000 $7,143 $36,000 2% $102 $206 $316 $75,190 3% $108 $225 $630 $82,125 3% HOME Hourly Rates Home Health Aide Services COMMUNITY Hourly Rates Adult Day Health Care Daily Rates Assisted Living Facility (One Bedroom – Single Occupancy) FACILITY Monthly Rates Nursing Home (Semi-Private Room) Daily Rates Nursing Home (Private Room) Daily Rates 52 Cost of Care Survey 2015 I North Dakota North Dakota RATE RANGE MINIMUM MEDIAN MAXIMUM Homemaker Services MEDIAN ANNUAL RATE1 FIVE-YEAR ANNUAL GROWTH2 $18 $26 $30 $59,854 4% $18 $27 $30 $62,142 4% $42 $75 $135 $19,562 6% $959 $3,239 $5,250 $38,865 3% $155 $275 $407 $100,375 8% $169 $288 $407 $104,938 7% HOME Hourly Rates Home Health Aide Services COMMUNITY Hourly Rates Adult Day Health Care Daily Rates Assisted Living Facility (One Bedroom – Single Occupancy) FACILITY Monthly Rates Nursing Home (Semi-Private Room) Daily Rates Nursing Home (Private Room) Daily Rates 53 Ohio I Cost of Care Survey 2015 Ohio RATE RANGE MINIMUM MEDIAN MAXIMUM Homemaker Services MEDIAN ANNUAL RATE1 FIVE-YEAR ANNUAL GROWTH2 $16 $19 $30 $43,564 1% $16 $20 $30 $45,348 1% $40 $55 $125 $14,300 2% $877 $3,890 $8,940 $46,680 3% $94 $210 $445 $76,650 2% $118 $235 $465 $85,775 3% HOME Hourly Rates Home Health Aide Services COMMUNITY Hourly Rates Adult Day Health Care Daily Rates Assisted Living Facility (One Bedroom – Single Occupancy) FACILITY Monthly Rates Nursing Home (Semi-Private Room) Daily Rates Nursing Home (Private Room) Daily Rates 54 Cost of Care Survey 2015 I Oklahoma Oklahoma RATE RANGE MINIMUM MEDIAN MAXIMUM Homemaker Services MEDIAN ANNUAL RATE1 FIVE-YEAR ANNUAL GROWTH2 $17 $19 $27 $43,426 2% $17 $20 $27 $46,561 2% $45 $60 $75 $15,600 6% $950 $3,345 $6,340 $40,140 6% $110 $146 $175 $53,290 2% $135 $165 $340 $60,225 3% HOME Hourly Rates Home Health Aide Services COMMUNITY Hourly Rates Adult Day Health Care Daily Rates Assisted Living Facility (One Bedroom – Single Occupancy) FACILITY Monthly Rates Nursing Home (Semi-Private Room) Daily Rates Nursing Home (Private Room) Daily Rates 55 Oregon I Cost of Care Survey 2015 Oregon RATE RANGE MINIMUM MEDIAN MAXIMUM Homemaker Services MEDIAN ANNUAL RATE1 FIVE-YEAR ANNUAL GROWTH2 $18 $22 $28 $49,764 2% $18 $23 $28 $51,480 2% $40 $89 $106 $23,010 -2% $2,000 $3,880 $6,955 $46,560 1% $175 $263 $297 $95,904 4% $185 $280 $345 $102,018 4% HOME Hourly Rates Home Health Aide Services COMMUNITY Hourly Rates Adult Day Health Care Daily Rates Assisted Living Facility (One Bedroom – Single Occupancy) FACILITY Monthly Rates Nursing Home (Semi-Private Room) Daily Rates Nursing Home (Private Room) Daily Rates 56 Cost of Care Survey 2015 I Pennsylvania Pennsylvania RATE RANGE MINIMUM MEDIAN MAXIMUM Homemaker Services MEDIAN ANNUAL RATE1 FIVE-YEAR ANNUAL GROWTH2 $13 $20 $28 $46,790 1% $13 $21 $28 $47,911 1% $30 $60 $200 $15,600 4% $900 $3,555 $9,570 $42,660 4% $97 $289 $972 $105,485 4% $155 $310 $1,015 $113,150 5% HOME Hourly Rates Home Health Aide Services COMMUNITY Hourly Rates Adult Day Health Care Daily Rates Assisted Living Facility (One Bedroom – Single Occupancy) FACILITY Monthly Rates Nursing Home (Semi-Private Room) Daily Rates Nursing Home (Private Room) Daily Rates 57 Puerto Rico I Cost of Care Survey 2015 Puerto Rico RATE RANGE MINIMUM MEDIAN MAXIMUM Homemaker Services MEDIAN ANNUAL RATE1 FIVE-YEAR ANNUAL GROWTH2 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $1,150 $1,500 $3,750 $18,000 5% N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A HOME Hourly Rates Home Health Aide Services COMMUNITY Hourly Rates Adult Day Health Care Daily Rates Assisted Living Facility (One Bedroom – Single Occupancy) FACILITY Monthly Rates Nursing Home (Semi-Private Room) Daily Rates Nursing Home (Private Room) Daily Rates 58 Cost of Care Survey 2015 I Rhode Island Rhode Island RATE RANGE MINIMUM MEDIAN MAXIMUM Homemaker Services MEDIAN ANNUAL RATE1 FIVE-YEAR ANNUAL GROWTH2 $16 $24 $26 $53,768 4% $24 $25 $29 $56,925 0% $54 $67 $79 $17,290 1% $3,370 $5,325 $8,500 $63,900 6% $167 $255 $338 $93,075 -1% $190 $283 $356 $103,113 0% HOME Hourly Rates Home Health Aide Services COMMUNITY Hourly Rates Adult Day Health Care Daily Rates Assisted Living Facility (One Bedroom – Single Occupancy) FACILITY Monthly Rates Nursing Home (Semi-Private Room) Daily Rates Nursing Home (Private Room) Daily Rates 59 South Carolina I Cost of Care Survey 2015 South Carolina RATE RANGE MINIMUM MEDIAN MAXIMUM Homemaker Services MEDIAN ANNUAL RATE1 FIVE-YEAR ANNUAL GROWTH2 $13 $18 $27 $41,184 1% $16 $19 $27 $42,328 2% $45 $55 $85 $14,381 4% $1,341 $3,125 $5,700 $37,500 3% $96 $190 $331 $69,350 2% $122 $206 $349 $75,008 2% HOME Hourly Rates Home Health Aide Services COMMUNITY Hourly Rates Adult Day Health Care Daily Rates Assisted Living Facility (One Bedroom – Single Occupancy) FACILITY Monthly Rates Nursing Home (Semi-Private Room) Daily Rates Nursing Home (Private Room) Daily Rates 60 Cost of Care Survey 2015 I South Dakota South Dakota RATE RANGE MINIMUM MEDIAN MAXIMUM Homemaker Services MEDIAN ANNUAL RATE1 FIVE-YEAR ANNUAL GROWTH2 $19 $22 $40 $49,764 3% $20 $23 $40 $52,006 4% $48 $72 $96 $18,720 4% $1,900 $3,023 $5,250 $36,276 1% $166 $199 $249 $72,770 3% $176 $212 $257 $77,380 3% HOME Hourly Rates Home Health Aide Services COMMUNITY Hourly Rates Adult Day Health Care Daily Rates Assisted Living Facility (One Bedroom – Single Occupancy) FACILITY Monthly Rates Nursing Home (Semi-Private Room) Daily Rates Nursing Home (Private Room) Daily Rates 61 Tennessee I Cost of Care Survey 2015 Tennessee RATE RANGE MINIMUM MEDIAN MAXIMUM Homemaker Services MEDIAN ANNUAL RATE1 FIVE-YEAR ANNUAL GROWTH2 $12 $18 $28 $40,704 1% $12 $18 $28 $41,184 1% $35 $62 $132 $16,120 5% $600 $3,395 $7,128 $40,740 2% $150 $192 $258 $70,080 3% $152 $207 $412 $75,555 3% HOME Hourly Rates Home Health Aide Services COMMUNITY Hourly Rates Adult Day Health Care Daily Rates Assisted Living Facility (One Bedroom – Single Occupancy) FACILITY Monthly Rates Nursing Home (Semi-Private Room) Daily Rates Nursing Home (Private Room) Daily Rates 62 Cost of Care Survey 2015 I Texas Texas RATE RANGE MINIMUM MEDIAN MAXIMUM Homemaker Services MEDIAN ANNUAL RATE1 FIVE-YEAR ANNUAL GROWTH2 $8 $19 $35 $42,328 1% $8 $19 $35 $42,603 1% $10 $35 $155 $9,100 3% $900 $3,545 $9,000 $42,540 3% $90 $140 $260 $51,100 3% $101 $188 $391 $68,620 3% HOME Hourly Rates Home Health Aide Services COMMUNITY Hourly Rates Adult Day Health Care Daily Rates Assisted Living Facility (One Bedroom – Single Occupancy) FACILITY Monthly Rates Nursing Home (Semi-Private Room) Daily Rates Nursing Home (Private Room) Daily Rates 63 Utah I Cost of Care Survey 2015 Utah RATE RANGE MINIMUM MEDIAN MAXIMUM Homemaker Services MEDIAN ANNUAL RATE1 FIVE-YEAR ANNUAL GROWTH2 $15 $21 $30 $48,048 1% $15 $21 $30 $48,048 0% $48 $89 $90 $23,140 18% $2,000 $3,000 $6,750 $36,000 1% $135 $175 $300 $63,875 3% $147 $210 $500 $76,650 4% HOME Hourly Rates Home Health Aide Services COMMUNITY Hourly Rates Adult Day Health Care Daily Rates Assisted Living Facility (One Bedroom – Single Occupancy) FACILITY Monthly Rates Nursing Home (Semi-Private Room) Daily Rates Nursing Home (Private Room) Daily Rates 64 Cost of Care Survey 2015 I Vermont Vermont RATE RANGE MINIMUM MEDIAN MAXIMUM Homemaker Services MEDIAN ANNUAL RATE1 FIVE-YEAR ANNUAL GROWTH2 $11 $21 $25 $48,048 1% $11 $22 $28 $50,336 1% $120 $124 $150 $32,136 1% $1,266 $4,020 $6,050 $48,240 6% $260 $280 $362 $102,018 3% $260 $288 $500 $105,120 2% HOME Hourly Rates Home Health Aide Services COMMUNITY Hourly Rates Adult Day Health Care Daily Rates Assisted Living Facility (One Bedroom – Single Occupancy) FACILITY Monthly Rates Nursing Home (Semi-Private Room) Daily Rates Nursing Home (Private Room) Daily Rates 65 Virginia I Cost of Care Survey 2015 Virginia RATE RANGE MINIMUM MEDIAN MAXIMUM Homemaker Services MEDIAN ANNUAL RATE1 FIVE-YEAR ANNUAL GROWTH2 $14 $18 $28 $41,184 2% $14 $19 $28 $43,472 1% $48 $65 $107 $16,900 4% $1,200 $3,933 $10,350 $47,196 2% $165 $221 $760 $80,483 4% $175 $254 $765 $92,688 5% HOME Hourly Rates Home Health Aide Services COMMUNITY Hourly Rates Adult Day Health Care Daily Rates Assisted Living Facility (One Bedroom – Single Occupancy) FACILITY Monthly Rates Nursing Home (Semi-Private Room) Daily Rates Nursing Home (Private Room) Daily Rates 66 Cost of Care Survey 2015 I Washington Washington RATE RANGE MINIMUM MEDIAN MAXIMUM Homemaker Services MEDIAN ANNUAL RATE1 FIVE-YEAR ANNUAL GROWTH2 $16 $24 $38 $54,088 3% $16 $24 $38 $54,912 2% $40 $68 $165 $17,563 2% $1,845 $4,625 $9,750 $55,500 3% $178 $266 $525 $96,933 4% $191 $289 $525 $105,631 4% HOME Hourly Rates Home Health Aide Services COMMUNITY Hourly Rates Adult Day Health Care Daily Rates Assisted Living Facility (One Bedroom – Single Occupancy) FACILITY Monthly Rates Nursing Home (Semi-Private Room) Daily Rates Nursing Home (Private Room) Daily Rates 67 West Virginia I Cost of Care Survey 2015 West Virginia RATE RANGE MINIMUM MEDIAN MAXIMUM Homemaker Services MEDIAN ANNUAL RATE1 FIVE-YEAR ANNUAL GROWTH2 $13 $16 $24 $36,608 2% $14 $16 $24 $36,608 2% $25 $72 $150 $18,720 4% $1,600 $3,500 $8,452 $42,000 5% $196 $282 $355 $102,748 6% $210 $295 $365 $107,631 5% HOME Hourly Rates Home Health Aide Services COMMUNITY Hourly Rates Adult Day Health Care Daily Rates Assisted Living Facility (One Bedroom – Single Occupancy) FACILITY Monthly Rates Nursing Home (Semi-Private Room) Daily Rates Nursing Home (Private Room) Daily Rates 68 Cost of Care Survey 2015 I Wisconsin Wisconsin RATE RANGE MINIMUM MEDIAN MAXIMUM Homemaker Services MEDIAN ANNUAL RATE1 FIVE-YEAR ANNUAL GROWTH2 $16 $21 $35 $48,048 2% $16 $22 $35 $50,336 1% $43 $65 $112 $16,900 2% $740 $3,980 $10,000 $47,760 3% $175 $247 $815 $90,064 4% $185 $273 $836 $99,499 4% HOME Hourly Rates Home Health Aide Services COMMUNITY Hourly Rates Adult Day Health Care Daily Rates Assisted Living Facility (One Bedroom – Single Occupancy) FACILITY Monthly Rates Nursing Home (Semi-Private Room) Daily Rates Nursing Home (Private Room) Daily Rates 69 Wyoming I Cost of Care Survey 2015 Wyoming RATE RANGE MINIMUM MEDIAN MAXIMUM Homemaker Services MEDIAN ANNUAL RATE1 FIVE-YEAR ANNUAL GROWTH2 $18 $20 $24 $46,561 5% $19 $22 $24 $49,421 6% $39 $50 $106 $13,000 -3% $2,250 $3,900 $4,695 $46,800 2% $174 $220 $300 $80,300 3% $190 $245 $300 $89,243 4% HOME Hourly Rates Home Health Aide Services COMMUNITY Hourly Rates Adult Day Health Care Daily Rates Assisted Living Facility (One Bedroom – Single Occupancy) FACILITY Monthly Rates Nursing Home (Semi-Private Room) Daily Rates Nursing Home (Private Room) Daily Rates 70 Cost of Care Survey 2015 Data Table End Notes Median Annual Rates* are calculated based on the following: Homemaker Services - hourly rate multiplied by 44 hours per week, multiplied by 52 weeks Home Health Aide Services - hourly rate multiplied by 44 hours per week, multiplied by 52 weeks Adult Day Health Care - daily rate multiplied by 5 days per week, multiplied by 52 weeks Assisted Living Facility - monthly rate multiplied by 12 months Nursing Home - daily rate multiplied by 365 days 2 Represents the compound annual growth rate based on Genworth Cost of Care Survey data from 2010 to 2015. Data is rounded to the nearest percentage point. 1 Hourly, daily and monthly rates are rounded to the nearest whole dollar. * 71 Appendix — Regions I Cost of Care Survey 2015 Region Definitions State Name State or Region Alabama AL - Anniston–Oxford–Jacksonville Calhoun Alaska Arizona Arkansas California 72 Counties AL - Auburn–Opelika Lee AL - Birmingham–Hoover Bibb, Blount, Chilton, Jefferson, St. Clair, Shelby, Walker AL - Daphne-Fairhope–Foley Baldwin AL - Decatur Lawrence, Morgan AL - Dothan Geneva, Henry, Houston AL - Florence–Muscle Shoals Colbert, Lauderdale AL - Gadsden Etowah AL - Huntsville Limestone, Madison AL - Mobile Mobile AL - Montgomery Autauga, Elmore, Lowndes, Montgomery AL - Tuscaloosa Hale, Pickens, Tuscaloosa AL - Rest of State Remaining Counties AK - Anchorage Anchorage, Matanuska-Susitna AK - Fairbanks Fairbanks North Star AK - Rest of State Remaining Boroughs AZ - Flagstaff Coconino AZ - Lake Havasu City–Kingman Mohave AZ - Phoenix–Mesa–Scottsdale Maricopa, Pinal AZ - Prescott Yavapai AZ - Sierra Vista–Douglas Cochise AZ - Tucson Pima AZ - Yuma Yuma AZ - Rest of State Remaining Counties AR/MO - Fayetteville– Springdale–Rogers Benton, Madison, McDonald (MO), Washington AR/OK - Fort Smith Crawford, Leflore (OK), Sebastian, Sequoyah (OK) AR - Hot Springs Garland AR - Jonesboro Craighead, Poinsett AR - Little Rock–North Little Rock–Conway Faulkner, Grant, Lonoke, Perry, Pulaski, Saline AR - Pine Bluff Cleveland, Jefferson, Lincoln AR - Rest of State Remaining Counties CA - Bakersfield Kern CA - Chico Butte CA - East Bay Alameda, Contra Costa CA - El Centro Imperial CA - Fresno Fresno CA - Hanford–Corcoran Kings Cost of Care Survey 2015 I Appendix — Regions Region Definitions State Name State or Region Counties California (cont.) CA - Los Angeles Los Angeles CA - Madera Madera CA - Merced Merced CA - Modesto Stanislaus CA - Napa Napa CA - Orange County Orange CA - Oxnard–Thousand Oaks– Ventura Ventura CA - Redding Shasta CA - Riverside–San Bernardino– Ontario Riverside, San Bernardino CA - Sacramento–Roseville– Arden-Arcade El Dorado, Placer, Sacramento, Yolo CA - Salinas Monterey CA - San Diego–Carlsbad San Diego CA - San Francisco San Francisco CA - San Jose–Sunnyvale– Santa Clara San Benito, Santa Clara CA - San Luis Obispo–Paso Robles–Arroyo Grande San Luis Obispo CA - San Mateo San Mateo CA - Santa Cruz–Watsonville Santa Cruz CA - Santa Maria–Santa Barbara Santa Barbara CA - Santa Rosa–San Rafael Marin, Sonoma CA - Stockton–Lodi San Joaquin CA - Vallejo–Fairfield Solano CA - Visalia–Porterville Tulare CA - Yuba City Sutter, Yuba CA - Rest of State Remaining Counties CO - Boulder Boulder CO - Colorado Springs El Paso, Teller CO - Denver–Aurora–Lakewood Adams, Arapahoe, Broomfield, Clear Creek, Denver, Douglas, Elbert, Gilpin, Jefferson, Park CO - Fort Collins Larimer CO - Grand Junction Mesa CO - Greeley Weld CO - Pueblo Pueblo CO - Rest of State Remaining Counties CT - Bridgeport–Stamford– Norwalk Fairfield CT - Hartford–West Hartford– East Hartford Hartford, Middlesex, Tolland Colorado Connecticut 73 Appendix — Regions I Cost of Care Survey 2015 Region Definitions State Name State or Region Counties Connecticut (cont.) CT - New Haven–Milford New Haven CT - Norwich–New London New London CT - Rest of State Remaining Counties Delaware DE - Dover Kent District of Columbia DC/MD/VA/WV Washington–Arlington– Alexandria Alexandria City (VA), Arlington (VA), Calvert (MD), Charles (MD), Clarke (VA), Culpeper (VA), District of Columbia, Fairfax City (VA), Fairfax (VA), Falls Church (VA), Fauquier (VA), Fredericksburg City (VA), Jefferson (WV), Loudoun (VA), Manassas City (VA), Manassas Park City (VA), Prince George’s (MD), Prince William (VA), Rappahannock (VA), Spotsylvania (VA), Stafford (VA), Warren (VA) Florida FL - Cape Coral–Fort Myers Lee FL - Crestview–Fort Walton Beach–Destin Okaloosa, Walton FL - Deltona–Daytona Beach– Ormond Beach Flagler, Volusia FL - Gainesville Alachua, Gilchrist FL - Homosassa Springs Citrus FL - Jacksonville Baker, Clay, Duval, Nassau, St. Johns FL - Lakeland–Winter Haven Polk FL - Miami–Fort Lauderdale– West Palm Beach Broward, Miami-Dade, Palm Beach FL - Naples–Immokalee– Marco Island Collier FL - North Port–Sarasota– Bradenton Manatee, Sarasota FL - Ocala Marion FL - Orlando–Kissimmee–Sanford Lake, Orange, Osceola, Seminole FL - Palm Bay–Melbourne–Titusville Brevard Georgia 74 FL - Panama City Bay, Gulf FL - Pensacola–Ferry Pass-Brent Escambia, Santa Rosa FL - Port St. Lucie Martin, St. Lucie FL - Punta Gorda Charlotte FL - Sebastian–Vero Beach Indian River FL - Sebring Highlands FL - Tallahassee Gadsden, Jefferson, Leon, Wakulla FL - Tampa–St. Petersburg– Clearwater Hernando, Hillsborough, Pasco, Pinellas FL - The Villages Sumter FL - Rest of State Remaining Counties GA - Albany Baker, Dougherty, Lee, Terrell, Worth GA - Athens–Clarke County Clarke, Madison, Oconee, Oglethorpe Cost of Care Survey 2015 I Appendix — Regions Region Definitions State Name State or Region Counties Georgia (cont.) GA - Atlanta–Sandy Springs– Roswell Barrow, Bartow, Butts, Carroll, Cherokee, Clayton, Cobb, Coweta, Dawson, DeKalb, Douglas, Fayette, Forsyth, Fulton, Gwinnett, Haralson, Heard, Henry, Jasper, Lamar, Meriwether, Morgan, Newton, Paulding, Pickens, Pike, Rockdale, Spalding, Walton GA/SC - Augusta–Richmond County Aiken (SC), Burke, Columbia, Edgefield (SC), Lincoln, McDuffie, Richmond GA - Brunswick Brantley, Glynn, McIntosh GA/AL - Columbus Chattahoochee, Harris, Marion, Muscogee, Russell (AL) GA - Dalton Murray, Whitfield GA - Gainesville Hall GA - Hinesville Liberty, Long GA - Macon Bibb, Crawford, Jones, Monroe, Twiggs GA - Rome Floyd GA - Savannah Bryan, Chatham, Effingham GA - Valdosta Brooks, Echols, Lanier, Lowndes GA - Warner Robins Houston, Peach, Pulaski GA - Rest of State Remaining Counties HI - Kahului–Wailuku–Lahaina Kalawao, Maui HI - Urban Honolulu Honolulu HI - Rest of State Remaining Counties ID - Boise City Ada, Boise, Canyon, Gem, Owyhee ID - Coeur d’Alene Kootenai ID - Idaho Falls Bonneville, Butte, Jefferson ID/WA - Lewiston Asotin (WA), Nez Perce ID - Pocatello Bannock ID - Rest of State Remaining Counties IL - Bloomington Dewitt, McLean IL - Carbondale–Marion Jackson, Williamson IL - Champaign–Urbana Champaign, Ford, Piatt IL/IN/WI - Chicago– Naperville–Elgin Cook, DeKalb, DuPage, Grundy, Jasper (IN), Kane, Kendall, Kenosha (WI), Lake, Lake (IN), McHenry, Newton (IN), Porter (IN), Will IL - Danville Vermilion IL - Decatur Macon IL - Kankakee Kankakee IL - Peoria Marshall, Peoria, Stark, Tazewell, Woodford IL - Rockford Boone, Winnebago IL - Springfield Menard, Sangamon IL - Rest of State Remaining Counties Hawaii Idaho Illinois 75 Appendix — Regions I Cost of Care Survey 2015 Region Definitions State Name State or Region Counties Indiana IN - Bloomington Monroe, Owen IN - Columbus Bartholomew IN - Elkhart–Goshen Elkhart IN/KY - Evansville Henderson (KY), Posey, Vanderburgh, Warrick IN - Fort Wayne Allen, Wells, Whitley IN - Indianapolis–Carmel– Anderson Boone, Brown, Hamilton, Hancock, Hendricks, Johnson, Madison, Marion, Morgan, Putnam, Shelby IN - Kokomo Howard IN - Lafayette–West Lafayette Benton, Carroll, Tippecanoe IN - Michigan City–La Porte LaPorte IN - Muncie Delaware IN/MI - South Bend–Mishawaka Cass (MI), St. Joseph IN - Terre Haute Clay, Sullivan, Vermillion, Vigo IN - Rest of State Remaining Counties IA - Ames Story IA - Cedar Rapids Benton, Jones, Linn IA/IL - Davenport–Moline–Rock Island Henry (IL), Mercer (IL), Rock Island (IL), Scott Iowa IA - Des Moines–West Des Moines Dallas, Guthrie, Madison, Polk, Warren Kansas Kentucky Louisiana 76 IA - Dubuque Dubuque IA - Iowa City Johnson, Washington IA/NE/SD - Sioux City Dakota (NE), Dixon (NE), Plymouth, Union (SD), Woodbury IA - Waterloo–Cedar Falls Black Hawk, Bremer, Grundy IA - Rest of State Remaining Counties KS - Lawrence Douglas KS - Manhattan Pottawatomie, Riley KS - Topeka Jackson, Jefferson, Osage, Shawnee, Wabaunsee KS - Wichita Butler, Harvey, Kingman, Sedgwick, Sumner KS - Rest of State Remaining Counties KY - Bowling Green Allen, Butler, Edmonson, Warren KY - Elizabethtown–Fort Knox Hardin, Larue, Meade KY - Lexington–Fayette Bourbon, Clark, Fayette, Jessamine, Scott, Woodford KY/IN - Louisville–Jefferson County Bullitt, Clark (IN), Floyd (IN), Harrison (IN), Henry, Jefferson, Oldham, Scott (IN), Shelby, Spencer, Trimble, Washington (IN) KY - Owensboro Daviess, Hancock, McLean KY - Rest of State Remaining Counties LA - Alexandria Grant, Rapides LA - Baton Rouge Ascension, East Baton Rouge, East Feliciana, Iberville, Livingston, Pointe Coupee, St. Helena, West Baton Rouge, West Feliciana LA - Hammond Tangipahoa Cost of Care Survey 2015 I Appendix — Regions Region Definitions State Name State or Region Counties Louisiana (cont.) LA - Houma–Thibodaux Lafourche, Terrebonne LA - Lafayette Acadia, Iberia, Lafayette, St. Martin, Vermilion LA - Lake Charles Calcasieu, Cameron LA - Monroe Ouachita, Union LA - New Orleans–Metairie Jefferson, Orleans, Plaquemines, Saint Bernard, Saint Charles, Saint James, Saint Tammany, St. John the Baptist LA - Shreveport–Bossier Bossier, Caddo, DeSoto, Webster LA - Rest of State Remaining Parishes ME - Bangor Penobscot ME - Lewiston–Auburn Androscoggin ME - Portland–South Portland Cumberland, Sagadahoc, York ME - Rest of State Remaining Counties MD - Baltimore–Columbia– Towson Anne Arundel, Baltimore, Baltimore City, Carroll, Harford, Howard, Queen Anne’s MD - California–Lexington Park St. Mary’s MD/WV - Cumberland Allegany, Mineral (WV) MD - Frederick–Rockville Frederick, Montgomery Maine Maryland MD/WV - Hagerstown–Martinsburg Berkley (WV), Washington Massachusetts Michigan MD/DE - Salisbury Somerset, Sussex (DE), Wicomico, Worcester MD - Rest of State Remaining Counties MA - Barnstable Town Barnstable MA/NH - Boston– Cambridge–Newton Essex, Middlesex, Norfolk, Plymouth, Rockingham (NH), Strafford (NH), Suffolk MA - Pittsfield Berkshire MA - Springfield Hampden, Hampshire MA/CT - Worcester Windham (CT), Worcester MA - Rest of State Remaining Counties MI - Ann Arbor Washtenaw MI - Battle Creek Calhoun MI - Bay City Bay MI - Detroit–Warren–Dearborn Lapeer, Livingston, Macomb, Oakland, St. Clair, Wayne MI - Flint Genesee MI - Grand Rapids–Wyoming Barry, Kent, Montcalm, Ottawa MI - Jackson Jackson MI - Kalamazoo–Portage Kalamazoo, Van Buren MI - Lansing–East Lansing Clinton, Eaton, Ingham MI - Midland Midland MI - Monroe Monroe MI - Muskegon Muskegon MI - Niles–Benton Harbor Berrien 77 Appendix — Regions I Cost of Care Survey 2015 Region Definitions State Name State or Region Counties Michigan (cont.) MI - Saginaw Saginaw MI - Rest of State Remaining Counties MN/WI - Duluth Carlton, Douglas (WI), St. Louis MN - Mankato–North Mankato Blue Earth, Nicollet MN/WI - Minneapolis– St. Paul–Bloomington Anoka, Carver, Chisago, Dakota, Hennepin, Isanti, Le Sueur, Mille Lacs, Pierce (WI), Ramsey, St. Croix (WI), Scott, Sherburne, Sibley, Washington, Wright MN - Rochester Dodge, Filmore, Olmsted, Wabasha MN - St. Cloud Benton, Stearns MN - Rest of State Remaining Counties MS - Gulfport–Biloxi–Pascagoula Hancock, Harrison, Jackson MS - Hattiesburg Forrest, Lamar, Perry MS - Jackson Copiah, Hinds, Madison, Rankin, Simpson, Yazoo MS - Rest of State Remaining Counties MO/IL - Cape Girardeau Alexander (IL), Bollinger, Cape Girardeau MO - Columbia Boone MO - Jefferson City Callaway, Cole, Moniteau, Osage MO - Joplin Jasper, Newton MO/KS - Kansas City Bates, Caldwell, Cass, Clay, Clinton, Jackson, Johnson (KS), Lafayette, Leavenworth (KS), Linn (KS), Miami (KS), Platte, Ray, Wyandotte (KS) MO - Springfield Christian, Dallas, Greene, Polk, Webster MO/KS - St. Joseph Andrew, Buchanan, DeKalb, Doniphan (KS) MO/IL - St. Louis Bond (IL), Calhoun (IL), Clinton (IL), Franklin, Jefferson, Jersey (IL), Lincoln, Macoupin (IL), Madison (IL), Monroe (IL), St. Charles, St. Clair (IL), St. Louis City, St. Louis, Warren MO - Rest of State Remaining Counties MT - Billings Carbon, Golden Valley, Yellowstone MT - Great Falls Cascade MT - Missoula Missoula MT - Rest of State Remaining Counties NE - Grand Island Hall, Hamilton, Howard, Merrick NE - Lincoln Lancaster, Seward NE/IA - Omaha–Council Bluffs Cass, Douglas, Harrison (IA), Mills (IA), Pottawattamie (IA), Sarpy, Saunders, Washington NE - Rest of State Remaining Counties NV - Carson City Carson City NV - Las Vegas–Henderson– Paradise Clark NV - Reno Storey, Washoe NV - Rest of State Remaining Counties Minnesota Mississippi Missouri Montana Nebraska Nevada 78 Cost of Care Survey 2015 I Appendix — Regions Region Definitions State Name State or Region Counties New Hampshire NH - Manchester–Nashua Hillsborough NH - Rest of State Remaining Counties NJ - Atlantic City–Hammonton Atlantic NJ - Northern New Jersey Bergen, Essex, Hudson, Hunterdon, Middlesex, Monmouth, Morris, Ocean, Passaic, Somerset, Sussex, Union NJ - Ocean City Cape May NJ - Trenton Mercer NJ - Vineland–Bridgeton Cumberland NM - Albuquerque Bernalillo, Sandoval, Torrance, Valencia NM - Farmington San Juan NM - Las Cruces Dona Ana NM - Santa Fe Santa Fe NM - Rest of State Remaining Counties NY - Albany–Schenectady–Troy Albany, Rensselaer, Saratoga, Schenectady, Schoharie NY - Binghamton Broome, Tioga NY - Bronx Bronx NY - Brooklyn Kings NY - Buffalo–Cheektowaga– Niagara Falls Erie, Niagara NY - Elmira Chemung NY - Glens Falls Warren, Washington NY - Ithaca Tompkins NY - Kingston Ulster NY - Long Island Nassau, Suffolk NY - Manhattan New York New Jersey New Mexico New York NY/PA - Outer New York City Area Dutchess, Orange, Pike (PA), Putnam, Rockland, Westchester North Carolina NY - Queens Queens NY - Rochester Livingston, Monroe, Ontario, Orleans, Wayne, Yates NY - Staten Island Richmond NY - Syracuse Madison, Onondaga, Oswego NY - Utica-Rome Herkimer, Oneida NY - Watertown–Fort Drum Jefferson NY - Rest of State Remaining Counties NC - Asheville Buncombe, Haywood, Henderson, Madison NC - Burlington Alamance NC/SC - Charlotte– Concord–Gastonia Cabarrus, Chester (SC), Gaston, Iredell, Lancaster (SC), Lincoln, Mecklenburg, Rowan, Union, York (SC) NC - Durham–Chapel Hill Chatham, Durham, Orange, Person NC - Fayetteville Cumberland, Hoke 79 Appendix — Regions I Cost of Care Survey 2015 Region Definitions State Name State or Region Counties North Carolina (cont.) NC - Goldsboro Wayne NC - Greensboro–High Point Guilford, Randolph, Rockingham NC - Greenville Pitt NC - Hickory–Lenoir–Morganton Alexander, Burke, Caldwell, Catawba NC - Jacksonville Onslow NC - New Bern Craven, Jones, Pamlico NC - Raleigh Franklin, Johnston, Wake NC - Rocky Mount Edgecombe, Nash NC - Wilmington New Hanover, Pender NC - Winston–Salem Davidson, Davie, Forsyth, Stokes, Yadkin NC - Rest of State Remaining Counties ND - Bismarck Burleigh, Morton, Oliver, Sioux ND/MN - Fargo Cass, Clay ND/MN - Grand Forks Grand Forks, Polk (MN) ND - Rest of State Remaining Counties OH - Akron Portage, Summit OH - Canton-Massillon Carroll, Stark OH/IN/KY - Cincinnati Boone (KY), Bracken (KY), Brown, Butler, Campbell (KY), Clermont, Dearborn (IN), Gallatin (KY), Grant (KY), Hamilton, Kenton (KY), Ohio (IN), Pendleton (KY), Union (IN), Warren OH - Cleveland–Elyria Cuyahoga, Geauga, Lake, Lorain, Medina OH - Columbus Delaware, Fairfield, Franklin, Hocking, Licking, Madison, Morrow, Perry, Pickaway, Union OH - Dayton Greene, Miami, Montgomery OH - Lima Allen OH - Mansfield Richland OH - Springfield Clark OH - Toledo Fulton, Lucas, Wood OH/PA - Youngstown– Warren–Boardman Mahoning, Mercer (PA), Trumbull OH - Rest of State Remaining Counties OK - Lawton Comanche, Cotton OK - Oklahoma City Canadian, Cleveland, Grady, Lincoln, Logan, McClain, Oklahoma OK - Tulsa Creek, Okmulgee, Osage, Pawnee, Rogers, Tulsa, Wagoner OK - Rest of State Remaining Counties OK - Albany Linn OR - Bend–Redmond Deschutes OR - Corvallis Benton OR - Eugene Lane North Dakota Ohio Oklahoma Oregon 80 Cost of Care Survey 2015 I Appendix — Regions Region Definitions State Name State or Region Counties Oregon (cont.) OR - Grants Pass Josephine OR - Medford Jackson OR/WA - Portland– Vancouver–Hillsboro Clackamas, Clark (WA), Columbia, Multnomah, Skamania (WA), Washington, Yamhill OR - Salem Marion, Polk OR - Rest of State Remaining Counties PA/NJ - Allentown– Bethlehem–Easton Carbon, Lehigh, Northampton, Warren (NJ) PA - Altoona Blair PA - Bloomsburg–Berwick Columbia, Montour Pennsylvania PA - Chambersburg–Waynesboro Franklin PA - East Stroudsburg Monroe PA - Erie Erie PA - Gettysburg Adams PA - Harrisburg–Carlisle Cumberland, Dauphin, Perry PA - Johnstown Cambria PA - Lancaster Lancaster PA - Lebanon Lebanon PA/DE/MD/NJ Philadelphia–Camden– Wilmington Bucks, Burlington (NJ), Camden (NJ), Cecil (MD), Chester, Delaware, Gloucester (NJ), Montgomery, New Castle (DE), Philadelphia, Salem (NJ) PA - Pittsburgh Allegheny, Armstrong, Beaver, Butler, Fayette, Washington, Westmoreland PA - Reading Berks PA - Scranton–Wilkes-Barre–Hazleton Lackawanna, Luzerne, Wyoming PA - State College Centre PA - Williamsport Lycoming PA - York-Hanover York PA - Rest of State Remaining Counties Puerto Rico PR - Puerto Rico All Municipalities Rhode Island RI/MA - Providence–Warwick Bristol, Bristol (MA), Kent, Newport, Providence, Washington South Carolina SC - Charleston–North Charleston Berkeley, Charleston, Dorchester SC - Columbia Calhoun, Fairfield, Kershaw, Lexington, Richland, Saluda SC - Florence Darlington, Florence SC - Greenville–Anderson–Mauldin Anderson, Greenville, Laurens, Pickens SC - Hilton Head Island– Bluffton–Beaufort Beaufort, Jasper SC/NC - Myrtle Beach–Conway– North Myrtle Beach Brunswick (NC), Horry SC - Spartanburg Spartanburg, Union SC - Sumter Sumter SC - Rest of State Remaining Counties 81 Appendix — Regions I Cost of Care Survey 2015 Region Definitions State Name State or Region Counties South Dakota SD - Rapid City Custer, Meade, Pennington SD - Sioux Falls Lincoln, McCook, Minnehaha, Turner SD - Rest of State Remaining Counties TN/GA - Chattanooga Catoosa (GA), Dade (GA), Hamilton, Marion, Sequatchie, Walker (GA) TN/KY - Clarksville Christian (KY), Montgomery, Trigg (KY) TN - Cleveland Bradley, Polk TN - Jackson Chester, Crockett, Madison TN - Johnson City Carter, Unicoi, Washington TN/VA - Kingsport–Bristol–Bristol Bristol (VA), Hawkins, Scott (VA), Sullivan, Washington (VA) TN - Knoxville Anderson, Blount, Campbell, Grainger, Knox, Loudon, Morgan, Roane, Union TN/AR/MS - Memphis Benton (MS), Crittenden (AR), DeSoto (MS), Fayette, Marshall (MS), Shelby, Tate (MS), Tipton, Tunica (MS) TN - Morristown Hamblen, Jefferson TN - Nashville–Davidson– Murfreesboro–Franklin Cannon, Cheatham, Davidson, Dickson, Hickman, Macon, Maury, Robertson, Rutherford, Smith, Sumner, Trousdale, Williamson, Wilson TN - Rest of State Remaining Counties TX - Abilene Callahan, Jones, Taylor TX - Amarillo Armstrong, Carson, Oldham, Potter, Randall TX - Austin–Round Rock Bastrop, Caldwell, Hays, Travis, Williamson TX - Beaumont–Port Arthur Hardin, Jefferson, Newton, Orange TX - Brownsville–Harlingen Cameron TX - College Station–Bryan Brazos, Burleson, Robertson TX - Corpus Christi Aransas, Nueces, San Patricio TX - Dallas–Fort Worth–Arlington Collin, Dallas, Denton, Ellis, Hood, Hunt, Johnson, Kaufman, Parker, Rockwall, Somervell, Tarrant, Wise TX - El Paso El Paso, Hudspeth TX - Houston–The Woodlands– Sugar Land Austin, Brazoria, Chambers, Fort Bend, Galveston, Harris, Liberty, Montgomery, Waller TX - Killeen–Temple Bell, Coryell, Lampasas TX - Laredo Webb TX - Longview Gregg, Rusk, Upshur TX - Lubbock Crosby, Lubbock, Lynn TX - McAllen–Edinburg–Mission Hidalgo TX - Midland Martin, Midland TX - Odessa Ector TX - San Angelo Irion, Tom Green TX - San Antonio–New Braunfels Atascosa, Bandera, Bexar, Comal, Guadalupe, Kendall, Medina, Wilson TX - Sherman–Denison Grayson Tennessee Texas 82 Cost of Care Survey 2015 I Appendix — Regions Region Definitions State Name State or Region Counties Texas (cont.) TX/AR - Texarkana Bowie, Little River (AR), Miller (AR) TX - Tyler Smith TX - Victoria Goliad, Victoria TX - Waco Falls, McLennan TX - Wichita Falls Archer, Clay, Wichita TX - Rest of State Remaining Counties UT/ID - Logan Cache, Franklin (ID) UT - Ogden–Clearfield Box Elder, Davis, Morgan, Weber UT - Provo–Orem Juab, Utah UT - Salt Lake City Salt Lake, Tooele UT - St. George Washington UT - Rest of State Remaining Counties VT - Burlington–South Burlington Chittenden, Franklin, Grand Isle VT - Rest of State Remaining Counties VA - Blacksburg– Christiansburg–Radford Floyd, Giles, Montgomery, Pulaski, Radford City VA - Charlottesville Albemarle, Buckingham, Charlottesville City, Fluvanna, Greene, Nelson VA - Harrisonburg Harrisonburg City, Rockingham VA - Lynchburg Amherst, Appomattox, Bedford, Bedford City, Campbell, Lynchburg City VA - Richmond Amelia, Caroline, Charles City, Chesterfield, Colonial Heights City, Dinwiddie, Goochland, Hanover, Henrico, Hopewell City, King William, New Kent, Petersburg City, Powhatan, Prince George, Richmond City, Sussex VA - Roanoke Botetourt, Craig, Franklin, Roanoke, Roanoke City, Salem VA - Staunton–Waynesboro Augusta, Staunton City, Waynesboro City VA/NC - Virginia Beach–Norfolk– Newport News Chesapeake City, Currituck (NC), Gates (NC), Gloucester, Hampton City, Isle of Wight, James City, Mathews, Newport News City, Norfolk City, Poquoson City, Portsmouth City, Suffolk City, Virginia Beach City, Williamsburg City, York VA/WV - Winchester Frederick, Hampshire (WV), Winchester City VA - Rest of State Remaining Counties WA - Bellingham Whatcom WA - Bremerton–Silverdale Kitsap WA - Kennewick–Richland Benton, Franklin WA - Longview Cowlitz WA - Mount Vernon–Anacortes Skagit WA - Olympia–Tumwater Thurston WA - Seattle–Tacoma–Bellevue King, Pierce, Snohomish WA - Spokane–Spokane Valley Pend Oreille, Spokane, Stevens WA - Walla Walla Columbia, Walla Walla Utah Vermont Virginia Washington 83 Appendix — Regions I Cost of Care Survey 2015 Region Definitions State Name State or Region Counties Washington (cont.) WA - Wenatchee Chelan, Douglas WA - Yakima Yakima WA - Rest of State Remaining Counties WV - Beckley Fayette, Raleigh WV - Charleston Boone, Clay, Kanawha West Virginia WV/KY/OH - Huntington–Ashland Boyd (KY), Cabell, Greenup (KY), Lawrence (OH), Lincoln, Putnam, Wayne Wisconsin Wyoming USA 84 WV - Morgantown Monongalia, Preston WV - Parkersburg–Vienna Wirt, Wood WV/OH - Weirton–Steubenville Brooke, Hancock, Jefferson (OH) WV/OH - Wheeling Belmont (OH), Marshall, Ohio WV - Rest of State Remaining Counties WI - Appleton Calumet, Outagamie WI - Eau Claire Chippewa, Eau Claire WI - Fond du Lac Fond du Lac WI - Green Bay Brown, Kewaunee, Oconto WI - Janesville–Beloit Rock WI/MN - La Crosse–Onalaska Houston (MN), La Crosse WI - Madison Columbia, Dane, Green, Iowa WI - Milwaukee–Waukesha– West Allis Milwaukee, Ozaukee, Washington, Waukesha WI - Oshkosh–Neenah Winnebago WI - Racine Racine WI - Sheboygan Sheboygan WI - Wausau Marathon WI - Rest of State Remaining Counties WY - Casper Natrona WY - Cheyenne Laramie WY - Rest of State Remaining Counties USA All States Excluding Puerto Rico Genworth Cost of Care regions are based on Metropolitan Statistical Areas (MSAs) as defined by the Office of Management and Budget (OMB) (census.gov). In February 2013, the OMB refined its MSA delineations, thereby impacting some of our region definitions. All 2015 Cost of Care data reflects survey results based on the new delineations. Cost of Care Survey 2015 I Appendix — Methodology Methodology CareScout® CareScout has conducted the Genworth Cost of Care Survey annually since 2004. Located in Waltham, Massachusetts, CareScout has specialized in helping families find long term care providers nationwide since 1997. This year, CareScout — a Genworth company — contacted more than 47,000 providers* to complete over 15,000 surveys of nursing homes, assisted living facilities, adult day health facilities and home care providers. Potential respondents were selected randomly from the CareScout nationwide database of providers in each category of long term care services. Survey respondents representing all 50 states, the District of Columbia and Puerto Rico were contacted by phone during January and February of 2015. Survey respondents were informed that survey data provided would be included in the Genworth 2015 Cost of Care Survey results. Survey questions varied based on the type of care provider. One of the most comprehensive surveys of its kind, the Genworth Cost of Care Survey publishes costs in 440 regions based on the 381 U.S. Metropolitan Statistical Areas (MSAs). MSA definitions are established by the U.S. Office of Management and Budget and include approximately 85 percent of the U.S. population. The survey also includes some counties outside of the MSA regions. To create accurate historical trends for this expanded scope, CareScout recast the base data from the 2010 survey into the current region structure. As a result, CareScout is able to report a five-year compound annual growth rate for each region. Home Care (HC) Surveyors completed more than 3,700 interviews with licensed home health care providers representing approximately 19 percent of home care agencies.** The agencies surveyed provided home health care and homemaker services where a skilled nurse does not need to be present. A home health aide will typically help with bathing, dressing, transferring and toileting, but not with catheters or injections. Most of these agencies also provide homemaker services that typically include assistance with shopping, finances, cooking, errands and transportation. Homemaker services may also be employed for the purpose of providing companionship. Annual rates are based on 44 hours of care per week, multiplied by 52 weeks. Where a rate range was provided, the midpoint was used. The survey excludes holiday rates. Adult Day Health Care (ADH) Across 440 regions, surveyors polled more than 34 percent of adult day health care facilities, resulting in nearly 1,200 completed surveys. ADH is designed to meet the needs of adults who are functionally and/or severely cognitively impaired. Programs are intended to be structured and comprehensive, and to take place in a protective setting that promotes well-being through a variety of health, social and other support services. These services are intended to help enable individuals to live more independently in the community and may also be used to provide relief for family caregivers. * Various provider categories used in the survey may not be the same as the definitions used in a long term care insurance policy. ** Not all states require a license for home care. Data includes certain states where unlicensed providers are included because the state does not offer or does not have HH license requirements. 85 Appendix — Methodology I Cost of Care Survey 2015 ADH facility rates are structured in a variety of ways: Some charge by the hour, some by the half-day and others for the full day, regardless of utilization. All rates used in Genworth’s survey were extrapolated to a daily (6-8 hours) rate. ADH facility rates may be subsidized by the government or the community. A government subsidy is based on the individual’s ability to pay. However, a community subsidy is available to individuals regardless of their income level. This survey captures the full private pay rates or, where applicable, the community subsidy rates. This survey does not capture the government subsidy rates. Annual rates are based on the daily rate multiplied by five days per week, then multiplied by 52 weeks. Assisted Living Facilities (ALF) Across 440 regions, surveyors polled more than 15 percent of licensed assisted living facilities, resulting in more than 6,300 completed surveys. Unlike nursing homes, there is no uniform regulatory standard for assisted living facilities. As a consequence, states have instituted licensing standards that vary from state to state. The assisted living facilities polled were licensed according to the licensure requirements of the state in which the assisted living facility was located. Currently, there are more than 70 different names or designations for facilities licensed as some form of an assisted care facility. Generally, fewer than 40 percent of these care facilities use the term “assisted living facility” as a part of their formal name or licensure designation. For example, some facilities may be identified as “residential 86 care facilities.” Because of variations in licensing requirements by state, both small group homes and large multi-service facilities qualified as assisted living facilities for the purposes of this study. Surveyors collected the monthly private pay rates as they ranged from basic care to more substantial care for a one-bedroom unit in an assisted living facility. Where a rate range was provided, the average of the high and low was used in the annual cost calculation. Surveyors also determined whether the facility charges a non-refundable community or entrance fee. This study shows that approximately 43 percent of survey participants (nearly 2,700) said they charge a one-time, non-refundable fee. Annual rates are based on the monthly fee multiplied by 12 months. Nursing Homes (NH) Across all regions of the study, surveyors polled nearly 25 percent of certified and licensed nursing homes, resulting in nearly 3,800 completed surveys. Surveyors collected the daily rates for private rooms (single occupancy) and semi-private rooms (double occupancy) in Medicare-certified nursing facilities. Medicare-certified nursing homes represent more than 90 percent of all nursing homes in the U.S. The daily room charge usually includes services beyond rent, such as three meals a day, laundry, sundries, basic nurse supervision and generic non-prescription pharmaceuticals. Annual rates are based on the daily fee multiplied by 365. Cost of Care Survey 2015 I Notes Notes 87 Notes I Cost of Care Survey 2015 Notes 88 About CareScout® Headquartered in Waltham, Massachusetts, CareScout helps Americans across the United States find quality care providers for their long term care needs. As an objective source for this provider information, CareScout, a Genworth company, developed the nation’s first quality of care ratings system for certified nursing homes and home care providers. Large employers, risk underwriters and families rely on CareScout’s proprietary ratings system, the CareScout network, and its database of about 100,000 providers, including nursing homes, assisted living facilities and home care agencies, to help find and arrange the most appropriate care for loved ones. For more information, visit carescout.com. About Genworth Financial Genworth Financial, Inc. (NYSE: GNW) is a leading Fortune 500 insurance holding company dedicated to helping people secure their financial lives, families and futures. Genworth has leadership positions in offerings that assist consumers in protecting themselves, investing for the future and planning for retirement — including life insurance, long term care insurance, financial protection coverages and mortgage insurance that helps consumers achieve home ownership while assisting lenders in managing their risk and capital. Genworth operates through three divisions: U.S. Life Insurance, which includes life insurance, long term care insurance and fixed annuities; Global Mortgage Insurance, which includes U.S. Mortgage Insurance and International Mortgage Insurance segments; and the Corporate and Other division, which includes the International Protection and Runoff segments. Products and services are offered through financial intermediaries, independent distributors and sales specialists. Genworth Financial, Inc., headquartered in Richmond, Virginia, traces its roots back to 1871 and became a public company in 2004. For more information, visit genworth.com. From time to time, Genworth Financial, Inc., releases important information via postings on its corporate website. Accordingly, investors and other interested parties are encouraged to enroll to receive automatic email alerts and Really Simple Syndication (RSS) feeds regarding new postings. Enrollment information is found under the “Investors” section of genworth.com. Visit genworth.com/costofcare to: • Download the Cost of Care mobile application • Compare daily, monthly and annual costs across locations • Calculate future costs of care • Get more information about the Cost of Care Survey Insurance and annuity products: • Are not deposits. • Are not insured by the FDIC or any other federal government agency. • May decrease in value. • Are not guaranteed by the bank or its affiliates. ©2015 Genworth Financial, Inc. All rights reserved.