In this example, 1 result still shows a gap: Bill's Ability to Earn. Disability coverage is generally limited (about 70% of take-home pay), so the rest — $6,000 a month for Bill — would come from savings and cash or lower spending. Every other gap is closed. Extended Care is covered today, but a gap can open later: Bill's and Judy's $500,000 long-term care benefits are each a fixed amount, while care costs are expected to rise 4% a year. If care were needed at age 80, it would cost about $599,813 in that year's dollars, so the benefit covers $500,000 of it and $99,813 is left to fund for each. The later care is needed, the larger the cost grows against a benefit that stays the same.