In this example, 1 result still shows a gap: Jill's Ability to Earn. Disability coverage is generally limited (about 70% of take-home pay), so the rest — $1,925 a month for Jill — 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: Joe's and Jill'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 65, it would cost about $729,764 in that year's dollars, so the benefit covers $500,000 of it and $229,764 is left to fund for each. The later care is needed, the larger the cost grows against a benefit that stays the same.