ltc amount calculation
How the Benefit Amount Related to the Cost of your Policy. Your long term care insurance premium will be directly related to benefit amount you choose. For example, a plan that pays up to $200 per day will be twice as much that only pays up to $100 per day.For this reason, many people will choose to co-insure their LTC costs i.e. they will choose a benefit amount lower than the average cost of care in their area.hen looking at an Long Term Care insurance policy, the first and most important decision to make is the daily benefit amount. In other words, how much you would like your policy to pay out to you in benefits at the time of claim.