Cost of Care Survey 2012
130568 04/20/12
Genworth 2012
Cost of Care Survey
Home Care Providers, Adult Day Health Care Facilities,
Assisted Living Facilities and Nursing Homes
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 more than 90,000 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 global financial security company. Genworth
employs approximately 6,500 people with a presence in more than 25 countries. Its products and services
help meet the investment, protection, retirement and lifestyle needs of more than 15 million customers.
Genworth operates through three segments: Retirement and Protection, U.S. Mortgage Insurance and
International. Its products and services are offered through financial intermediaries, advisors, independent
distributors and sales specialists.
Genworth Financial, which traces its roots back to 1871, became a public company in 2004 and
is headquartered in Richmond, Virginia. For more information, visit Genworth.com.
From time to time, Genworth releases important information via postings on its corporate website.
Accordingly, investors and other interested parties are encouraged to enroll to receive automatic e-mail
alerts and Really Simple Syndication (RSS) feeds regarding new postings. Enrollment information is found
under the “Investors” section of Genworth.com.
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.
Visit genworth.com/costofcare to:

location and preferred care setting.
A long term care situation can be triggered by
a multitude of events. One of families’ — indeed,
the nation’s — biggest concerns is the impact to
the family of Alzheimer’s disease, including the
financial costs. Again this year, the Cost of Care
Survey report features a special section on the long
term care costs related to Alzheimer’s disease.
Genworth is now in our 37th year as a leading
provider of long term care insurance,* educating
and empowering American families, financial
professionals, policymakers and others about
the need to plan for long term care.
In addition to reviewing this Cost of Care report,
we invite you to get more detailed information
online at genworth.com/costofcare and on our
“Let’s Talk” website, caringtalk.com, where you’ll
find important tools to help you and your family
plan for the future. You may also take this
information with you by downloading the Cost
of Care application for iPhone and iPad devices.
* The Genworth companies underwriting long term care insurance are Genworth Life Insurance Company
and, in New York, Genworth Life Insurance Company of New York.

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Cost of Care Survey 2012
Contents
Understanding Long Term Care
Summary of 2012 Survey Findings 4
Emerging Trends and Findings 5

care provided by a nursing home.
Nursing Home (Semi-Private Room) Provides skilled
nursing care 24 hours a day.
Nursing Home (Private Room) Provides skilled
nursing care 24 hours a day.
Summary of 2012 Findings
NATIONAL
MEDIAN
HOURLY RATE
$18
NATIONAL
MEDIAN
HOURLY RATE
$19
INCREASE
OVER
2011
1.67%
NATIONAL
MEDIAN
MONTHLY RATE
$3,300
NATIONAL
MEDIAN
DAILY RATE
$200
NATIONAL
MEDIAN
DAILY RATE
$222

1.09%
NATIONAL
MEDIAN
DAILY RATE
$61
FIVE-YEAR
ANNUAL
GROWTH
1
5.71%
FIVE-YEAR
ANNUAL
GROWTH
1
4.5%
FIVE-YEAR
ANNUAL
GROWTH
1
4.28%
FIVE-YEAR
ANNUAL
GROWTH
1
N/A
HOMEFACILITY
Homemaker Services (Licensed) Provides “hands-off”
care such as helping with cooking and running
errands. Often referred to as “Personal Care
Assistants” or “Companions.” This is the rate charged

annual growth rate over that period.
In contrast to facility-based care, rates charged by
home care providers for “non-skilled” services have
remained relatively flat over the past five years.
For example, whereas the national hourly private
pay median rate charged by a licensed home health
agency for a home health aide was $18 in 2007,
the 2012 hourly rate has only slowly crept up to
$19. The historical compound annual growth rate
for this type of care service has been only 1.09
percent over a five-year period. Home care rates
have remained flat in part because of increased
competition among agencies and the availability
of unskilled labor, and because the companies
that provide these types of services do not incur
the costs associated with maintaining stand-alone
health care facilities.
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Cost of Care Survey 2012
Get More Details
No matter where you are, we’re here to help.
Everything you need to know about the cost
of care is now available anywhere you are. Find
detailed information on the issues that matter
to you most whenever it’s convenient for you.
Browsing the Web?
Our website — genworth.com/costofcare —
provides much more information about the
cost of care. Visit the site to download the full
survey report and overviews of long term care

what the future may hold in terms of long term
care needs. By talking now and taking charge,
you and your loved ones can be prepared for
life’s twists and turns. The information and tools
offered on caringtalk.com will help you prepare
for productive conversations with those you
care about. Ways to break the ice, guidance
from experts, and helpful tips and insights are all
available to provide families with the resources,
education and motivation to more easily plan for
potential long term care needs. Visit caringtalk.com
to learn more.
Additional Resources
Beyond Dollars: The True Impact
of Long Term Caring
This seminal report articulates the findings of a
research study on the circle of care and the impact
on the many people within it. The most surprising
realization was the impact on even “secondary”
caregivers (those who are not necessarily providing
hands-on care or at the forefront of care, but
are fully understanding of all the dynamics of
the situation) and their families. For example,
more than half (57 percent) of primary caregivers
surveyed reported dipping into their own retirement
funds and/or savings, and 42 percent of secondary
caregivers reported doing so, as well. And both
groups of respondents reported significantly
reducing their contributions to savings accounts,
401(k)s and their kids’ college education savings,

and it goes far beyond dollars.
There is a ripple that can touch
a primary caregiver, a secondary
caregiver, their families and their
futures. While a loving and selfless
act, accepting or taking resp onsibility
for another individual’s care can have
a dramatic impact on our own lives,
and on our families’ lives.
No matter how willing we are, no
matter how heart felt our promises
are, our caregiving commitments
can affec t marriages, family dynamics,
work commitments, financial s tability
and other building blocks of our
own futures.
Will You Have a Role
in Someone’s Care?
Thinking through the impact of
your responsibilities as a caregiver
is a first and important s tep.
Whether you are a primary or
hands-on caregiver, or someone
who orchestrates the care provided
by others — whether you provide
some financial support or weigh
in on important decisions — it ’s
important to recognize the poten tial
impact of caregiving on all aspec ts
of your life.

learn something new.
1. Ask questions.
Then pause. Give them time to respond. Make sure they
have finished before you begin talking. True understanding
comes from being still long enough to absorb the meaning
and intent behind what people tell you.
What are their fondest memories? Biggest regrets? What
do they want/dread as they grow older? What are their
hopes and fears and goals? What matters most to them
now? If you have a specific issue to address, learn what
they think before you begin expressing your thoughts.
2. Wait.
That might mean counting silently to five, but it also might
mean letting them think on it and then continuing the
conversation several days later. These are big issues;
give them time.
3. Be open.
You might not know this person or this situation as well
as you think you do. We don’t know what it is to be our
parents’ ages or to walk in their shoes. We sometimes slip
into prescribed roles within our families. Occasionally,
our notions of the role a loved one plays cloud our
vision of who they actually are, what they think and more
importantly, how they feel. Plus, with time, their needs
and wishes may have changed. Evolve with them.
Things you can do today to
become a better listener.
3
genworth.com/lets-talk 7
My father talks to me or my wife,

“
”
Ironically, the most important
part of
talking is listening.
Let
’
s Talk
Conversations that make a difference
Long Term Care
5
Reality Check
7 things you should
know about your
loved ones
7
Listen & Learn
3 things you can do
today to become a
better listener
11

Family is Family
Get to the heart
of the matter
14
Real People
Learn from the
experience of others
INSIDE

services to people who need more extensive
personal care than family or friends are able,
or have the time or resources, to provide.
Adult Day Health Care (ADH)
Adult Day Health Care centers can offer a much-
needed break to caregivers. This type of care
provides service at community-based centers for
adults who need assistance or supervision during
the day but who do not need around-the-clock
care. There are a variety of “models” of Adult Day
Health Care programs. All models are intended
to offer socialization, supervision and structured
activities designed for the individual needs of
the participants at the center. Some programs
also may provide personal care, transportation,
medication management, health-related services,
intergenerational programming, social services,
meals, personal assistance and therapeutic activities.
Assisted Living Facilities (ALF)
Assisted living facilities (referred to as Residential
Care Facilities in California) are living arrangements
that provide personal care and health services for
people who may need assistance with ADLs, but
who wish to live as independently as possible and
do not need the level of care provided by a
nursing home. It’s important to note that assisted
living is not an alternative to a nursing home, but
an intermediate level of long term care.
Nursing Home Care
Nursing homes are for those people who may

to be well informed about both the advantages
and limitations of these programs.
Medicare
Generally, Medicare is the federal program that
provides hospital and medical insurance to
people age 65 or older and to certain ill or
disabled persons. Benefits may be available for
home health care, but only if certain conditions
are met.
Medicare may pay for up to 100 days of care
in a skilled nursing facility per benefit period —
100 percent for the first 20 days (after a three-day
hospital stay, provided skilled care is needed).
Then, for days 21-100, Medicare requires
a co-payment. To help cover the co-payment,
many seniors also have a Medicare supplement
insurance policy. In general, once Medicare
stops paying for care, the supplement payment
also will end.
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Cost of Care Survey 2012
Medicaid
Medicaid (referred to as Medi-Cal in California)
generally pays for certain health services and
nursing home care for those with low incomes
and limited resources. Medicaid may also pay
for some long term care services at home and
in the community. Medicaid has limitations on the
amount of assets you may own and the amount
of income you may receive each month before

otherwise have to spend down prior to qualifying
for Medicaid benefits. Generally, individuals can
participate in their state’s Partnership Program
by owning a long term care insurance policy that
meets the requirements for the Partnership
Program. Policies qualifying under the Partnership
Program generally do not cost more than
non-qualified policies with similar benefits.
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Cost of Care Survey 2012
Alzheimer’s Disease and Long Term Care
In a study conducted by Age Wave on behalf of
Genworth, 61 percent of respondents ranked
having Alzheimer’s disease as their single
greatest fear among disabling diseases in later
life.
4
The Alzheimer’s Association estimates that
approximately 5.4 million Americans of all ages
have Alzheimer’s disease. This means that one in
every eight Americans age 65+, and nearly half
of those age 85+, has Alzheimer’s disease.
5
Currently, there is no cure for Alzheimer’s disease.
In fact, Alzheimer’s now ranks as the fifth-leading
cause of death for those ages 65 and older, and
the sixth-leading cause of death across all ages
in the U.S.
6


impact on jobs, longer-term effects on careers,
material reductions in savings for the future —
particularly retirement and college savings — and
the broad and heartbreaking impact on family
relationships.
10
12
Cost of Care Survey 2012
13
Cost of Care Survey 2012Cost of Care Survey 2012
Genworth 2012 Cost of Care Maps
Genworth 2012 Cost of Care
National and State Data Tables
14
Home Care: Homemaker Services (Licensed) Median Annual Cost*
TX
HI
CA
NV
CO
NM
KS
OK
NE
SD
ND
MN
IA
MO
AR

MS
TN
LA
VA
RI
DC
$55,484
$36,494
$38,667
$43,472
$48,620
$44,616
$43,472
N/A
$48,048
$38,896
$38,896
$50,336
$44,639
$41,184
$44,616
$41,184
$41,184
$38,896
$34,320
$51,480
$43,472
$45,760
$42,625
$50,336

Home Care: Home Health Aide Services (Licensed) Median Annual Cost*
TX
HI
CA
NV
CO
NM
KS
OK
NE
SD
ND
MN
IA
MO
AR
IL
KY
WI
MI
IN
OH
WV
PA
NY
VT
NH
MA
MD
DE

$52,624
$41,184
$38,896
$57,772
$47,476
$42,328
$45,760
$43,472
$41,184
$38,896
$34,320
$56,056
$45,760
$50,336
$45,714
$57,772
$41,916
$37,752
$47,476
$40,040
$54,775
$46,996
$53,768
$46,904
$45,188
$48,048
$50,336
$43,197
$42,900
$48,048

AR
IL
KY
WI
MI
IN
OH
WV
PA
NY
VT
NH
MA
MD
DE
NJ
CT
ME
UT
AZ
OR
WA
ID
WY
MT
AK
FL
NC
SC
GA

$19,500
$18,720
$13,000
$20,800
$13,520
$13,775
$13,650
$16,258
$20,800
$29,120
$17,225
$14,300
$12,870
$13,780
$25,155
$14,300
$18,525
$13,000
$7,457
$14,300
$8,754
$11,700
$14,300
$34,190
$15,379
$14,973
$13,390
$14,495
Community Care: Adult Day Health Care Median Annual Cost**
USA $15,860

DE
NJ
CT
ME
UT
AZ
OR
WA
ID
WY
MT
AK
FL
NC
SC
GA
AL
MS
TN
LA
VA
RI
DC
$66,000
$35,370
$33,720
$37,200
$42,000
$44,433
$53,700

$46,200
$39,015
$46,770
$34,500
$32,955
$39,645
$38,400
$31,800
$41,775
$46,800
$51,000
$44,400
$36,000
$39,570
Facility Care: Assisted Living Facility (One Bedroom - Single Occupancy) Median Annual Cost*
USA $39,600
*Numbers include Puerto Rico
18
Facility Care: Nursing Home (Semi-Private Room) Median Annual Cost**
TX
HI
CA
NV
CO
NM
KS
OK
NE
SD
ND

NC
SC
GA
AL
MS
TN
LA
VA
RI
DC
$273,750
$63,875
$53,593
$67,708
$81,760
$75,190
$135,050
$86,323
$91,250
$78,475
$59,495
$116,800
$55,480
$73,000
$59,678
$68,255
$54,750
$69,003
$51,512
$117,530

$72,270
USA $73,000
**Numbers exclude Puerto Rico
19
Facility Care: Nursing Home (Private Room) Median Annual Cost**
TX
HI
CA
NV
CO
NM
KS
OK
NE
SD
ND
MN
IA
MO
AR
IL
KY
WI
MI
IN
OH
WV
PA
NY
VT

$93,988
$84,315
$145,818
$94,353
$96,725
$84,552
$63,875
$125,925
$60,773
$80,300
$69,350
$82,125
$60,225
$75,555
$56,721
$127,750
$95,995
$105,120
$87,600
$85,534
$55,480
$74,825
$75,008
$76,650
$80,607
$70,263
$105,120
$114,975
$75,526
$87,600

Daily Rates
Nursing Home
(Private Room)
Daily Rates
Nursing Home
(Semi-Private
Room)
Daily Rates
Assisted
Living Facility
(One Bedroom –
Single Occupancy)
Monthly Rates
RATE RANGE
MINIMUM MEDIAN MAXIMUM
MEDIAN
ANNUAL RATE
1
FIVE YEAR
ANNUAL
GROWTH
2
HOME
COMMUNITY
FACILITY
USA
USA
I
Cost of Care Survey 2012
$10 $18 $32 $41,184 1%

MINIMUM MEDIAN MAXIMUM
MEDIAN
ANNUAL RATE
1
FIVE YEAR
ANNUAL
GROWTH
2
HOME
COMMUNITY
FACILITY
Alabama
Cost of Care Survey 2012
I
Alabama
$13 $16 $20 $36,494 2%
$13 $16 $22 $36,608 1%
$16 $25 $75 $6,500 N/A
$1,600 $2,948 $4,947 $35,370 7%
$130 $175 $215 $63,875 4%
$140 $180 $225 $65,839 4%
USA
I
Cost of Care Survey 2012
22
Homemaker
Services
(Licensed)
Hourly Rates
Home Health

Alaska
I
Cost of Care Survey 2012
Alaska
$24 $24 $27 $55,484 0%
$24 $25 $30 $56,628 0%
$91 $104 $128 $27,0 40 N/A
$3,285 $5,500 $8,775 $66,000 9%
$452 $750 $950 $273,750 8%
$452 $637 $950 $232,505 2%
23
Homemaker
Services
(Licensed)
Hourly Rates
Home Health
Aide Services
(Licensed)
Hourly Rates
Adult Day
Health Care
Daily Rates
Nursing Home
(Private Room)
Daily Rates
Nursing Home
(Semi-Private
Room)
Daily Rates
Assisted