genworth 2012

Cost of Care Survey 2012

130568 04/20/12

Genworth 2012Cost of Care SurveyHome 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:• 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

©2007-2012 Genworth Financial, Inc. and National Eldercare Referral Systems, LLC (CareScout). All rights reserved. Genworth, Genworth Financial and the Genworth logo are registered service marks of Genworth Financial, Inc.

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Introduction

As the nation continues to recover from one of the most challenging periods in its history, families have begun to rebuild their nest eggs. With plans for a secure financial future more important than ever, families have a unique opportunity, and obligation, to address one of the most basic and potentially impactful risks of all — preparing for the possibility that they will need long term care.

For the ninth consecutive year, Genworth has surveyed the cost of long term care across the U.S. to help Americans plan appropriately for the potential cost of long term care. The most comprehensive study of its kind, Genworth’s 2012 Cost of Care Survey, conducted by CareScout® covers nearly 15,300 long term care providers, across all 50 states and the District of Columbia, in 437 regions nationwide, to help individuals plan with an eye toward costs in their preferred 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.

3


Contents

Understanding Long Term Care

Summary of 2012 Survey Findings........................................................................................................... 4

Emerging Trends and Findings ................................................................................................................ 5

Get More Details ......................................................................................................................................... 6

Additional Resources ................................................................................................................................. 7

Long Term Care Overview ........................................................................................................................ 8

Long Term Care Financing Options ........................................................................................................ 9

Alzheimer’s Disease and Long Term Care ............................................................................................. 11

Cost of Care Maps

Homemaker Services (Licensed) ............................................................................................................ 14

Home Health Aide Services (Licensed) ................................................................................................. 15

Adult Day Health Care ............................................................................................................................. 16

Assisted Living Facility (One Bedroom – Single Occupancy) ............................................................. 17

Nursing Home (Semi-Private Room) ...................................................................................................... 18

Nursing Home (Private Room) ................................................................................................................ 19

National and State Cost of Care Tables ................................................................................................. 20

Homemaker Services (Licensed)

Home Health Aide Services (Licensed)

Adult Day Health Care

Assisted Living Facility (One Bedroom – Single Occupancy)

Nursing Home (Semi-Private Room)

Nursing Home (Private Room)

Data Table End Notes .............................................................................................................................. 73

Appendix

Region Definitions (Counties) .................................................................................................................. 74

Methodology ............................................................................................................................................. 88

End Notes .................................................................................................................................................. 90

4


Assisted Living Facility (One Bedroom – Single Occupancy) Provides “hands-on” personal care as well as medical care for those who are not able to live by themselves, but do not require constant 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

FIvE-YEAR ANNUAL

GROWTH1

1.15%

INCREASE OvER 2011

0%

INCREASE OvER 2011

1.19%

INCREASE OvER 2011

3.63%

INCREASE OvER 2011

4.23%

INCREASE OvER 2011

0%

FIvE-YEAR ANNUAL

GROWTH1

1.09%

NATIONAL MEDIAN

DAILY RATE

$61

FIvE-YEAR ANNUAL

GROWTH1

5.71%

FIvE-YEAR ANNUAL

GROWTH1

4.5%

FIvE-YEAR ANNUAL

GROWTH1

4.28%

FIvE-YEAR ANNUAL

GROWTH1

N/A

HO

Me

FAC

ILIT

Y

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 by a non-Medicare certified, licensed agency.

Home Health Aide Services (Licensed) Provides “hands-on” personal care, but not medical care, in the home, with activities such as bathing, dressing and transferring. This is the rate charged by a non-Medicare certified, licensed agency.

Adult Day Health Care Provides social and other related support services in a community-based, protective setting during any part of a day, but less than 24-hour care.

CO

MM

UN

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5


Emerging Trends and Findings

For the ninth consecutive year, Genworth has surveyed long term care service providers across the country. Genworth’s survey includes 437 regions that cover all Metropolitan Statistical Areas defined for the 2010 U.S. census.

Looking back at the past five years of survey results, Genworth recognizes emerging trends across the long term care services landscape. Overall, the cost of care among facility-based providers has steadily increased. For example, in 2007 the median annual rate for a private nursing home room was $65,700, compared with the 2012 median annual rate of $81,030. This means that Americans can expect to pay approximately $15,330 more per year today for a nursing home than they had to pay in 2007. This increase represents a 4.28 percent compound 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.

6


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 services and financing options. The interactive map features daily, monthly and annual rates for 437 regions throughout the U.S., offers the ability to compare up to three locations and calculates projected costs for up to 30 years out.

Going Mobile?A mobile version of the website is also offered, with compatibility for all platforms.

New this year, Genworth has developed a free web-based Cost of Care mobile application tool that provides similar functions to the website, but with mobile capacity for iPhone and iPad devices.

visit the site or download the app to:

• Find location-specific cost information that matters to you — by state and type of care setting — for 437 regions across the country

• Compare daily, monthly and annual costs for up to three regions across the U.S. — for instance, where you live currently, and where you might like to retire

• Calculate the projected cost of care 10, 15, 20, 25 and 30 years out so you can plan well for your future

• Easily share information with family, friends and your financial professional

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Let’s Talk: Conversations that Make a DifferenceIt can be difficult to talk to parents, spouses orpartners, children and other loved ones aboutwhat 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 CaringThis seminal report articulates the findings of aresearch study on the circle of care and the impacton the many people within it. The most surprisingrealization 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, illustrating the impact of an unfunded care event on families’ financial futures.

More than 800 consumers with personalinvolvement in a long term care event lastingmore than 30 days were surveyed. The report,which can be found at genworth.com/costofcare,includes quantitative data from the study,along with compelling stories, thoughts andperspectives of the individuals who participatedin the survey, provided in their own words.

B e y o n D D o l l a R s

Beyond Dollars

each of us has defining relationships in our lives. With our parents. our siblings. our spouses. our children. our colleagues.

We even have relationships of sorts with our accomplishments. our achievements. our successes. and we have relationships with our own futures. We think of them as relationships because they mean something to us — and we are committed to them.

and all these relationships can be affected when we take an active role in someone else’s care.

The Ripple effect

We may understand that there is a financial impact to helping provide care, but there is more to the equation, 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 responsibility 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 heartfelt our promises are, our caregiving commitments can affect marriages, family dynamics, work commitments, financial stability 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 step.

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 potential impact of caregiving on all aspects of your life.

Planning ahead for ways to mitigate costs or share caregiving responsibilities is worthy of every family’s consideration.

2

The True Impact of Long Term CaringResearch findings on the circle of care and the impact on the many people within it.

109048 03/16/12

Beyond Dollars

Listen & Learn

When you have these conversations,

start by asking questions. And then

listen. Really listen. This will help

get the conversation going and,

even more important, it will let you

know what your parent — or other

loved one — is thinking, which may

be very different from what you are

thinking. You might be focused on

legal documents, while your mother

is wondering who will care for her

dogs in a crisis. Listening is valuable

because you now know what matters

to her, and once you’ve listened and

addressed her concerns, she may be

more willing to listen to you.

Open your heart

and your mind.

Most likely, you will

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,

Tracy, on the phone at least once a

week, and he has dinner at our house

most weekends. It never occurred

to me that we needed to talk about

anything because we talk so often

already. But one night my uncle was

talking about their grandfather, who

lived with them for many years, and

he was saying what a pill he was.

My father said something offhanded

about how he would never live with

his kids. Tracy and I were baffled.

We always assumed he would live

with us if it came to that.

At first, I didn’t think he meant it.

But I brought it up a few days later

and he said flat out, no, he would

never live with any of his kids. We’ve

talked about it since, and it’s been

eye-opening. We discussed where

he might live — he doesn’t like the

idea of being alone with an aide so

we’ve considered other options,

including assisted living. I’m still

hoping he’ll change his mind and

decide he could live with us, but I

don’t sense that’s going to happen.

Regardless, it’s been an interesting

process. I’ve learned a lot about him.

- Ben, age 49

“

”

Ironically, the most important

part of talking is listening.

Let’s TalkConversations that make a difference

Long Term Care

5

Reality Check7 things you should

know about your

loved ones

7

Listen & Learn3 things you can do

today to become a

better listener

11 Family is FamilyGet to the heart

of the matter

14

Real PeopleLearn from the

experience of others

INSIDE

48683 12/20/11

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Research shows that about 70 percent of people age 65 or older will need long term care services at some point in their lifetime.2 Long term care is the type of care you may need if you have a prolonged physical illness, disability or severe cognitive impairment (such as Alzheimer’s disease) that keeps you from living independently. These limitations may prevent you from carrying out basic self-care tasks, such as bathing, dressing or eating, called Activities of Daily Living (ADLs).

Today, consumers have more choices than ever before when planning for potential long term care needs. Here is an overview of available long term care options:

Homemaker ServicesThis service makes it possible for people to live in their own homes or to return to their homes by helping complete household tasks that they can’t manage alone. Homemaker services aides may clean houses, cook meals or run errands.

Home Health AidesPersonal and home health aides help those who are elderly, disabled or ill live in their own homes instead of in residential care facilities or nursing homes. Home health aides may offer 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 CareNursing homes are for those people who may need a higher level of supervision and care than what is provided in an assisted living facility. They offer residents personal care assistance, room and board, supervision, medication, therapies and rehabilitation, as well as skilled nursing care 24 hours a day.

Long Term Care Overview

Most consumers prefer to receive long term care in their homes. In fact, more than two-thirds of Genworth’s initial benefit claims are for home health care.3

9


Long Term Care Financing Options

Another factor to consider in planning for long term care is, of course, how to pay for it. With median costs ranging from $39,600 to $81,030 per year depending on the type of care needed, finding a way to pay for long term care can be a challenge for many people. As an example, assuming the average stay in a nursing home is three years, costs can easily surpass $240,000 for the entire long term care event.

People generally think there are four basic ways to pay for long term care: Medicare, Medicaid, out of pocket, or private long term care insurance. Those who are thinking of relying on Medicare or Medicaid to provide long term care services need to be well informed about both the advantages and limitations of these programs.

MedicareGenerally, 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.

10


MedicaidMedicaid (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 you are eligible for benefits. Who is eligible and what services are covered vary from state to state. There also are restrictions on transferring assets to others in order to qualify for Medicaid.

Self-Insure (or Out-of-Pocket Payment)As you page through this report, you can look up the costs of various types of care in your state — private and semi-private nursing home, assisted living facility, home health aides and homemaker services. These costs can give you a good idea of how much money you or your family would need if you or a loved one requires long term care.

Long Term Care Insurance Long term care insurance helps pay for your care and protect your assets by paying for covered expenses up to the amounts set forth in your policy. Depending upon the type of policy you choose, this insurance can pay for a wide variety of home, community-based and facility care services, and can offer you care options that may not be covered through government programs.

Many states participate in the Long Term Care Insurance Partnership Program (“Partnership Program”). The Partnership Program is designed to encourage individuals to plan for their long term care needs by allowing them to retain more assets than would otherwise be allowed under state Medicaid eligibility requirements. As a result, policyholders are able to retain assets they would 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.

11


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

Because the duration of the disease generally can range from four to eight years after a diagnosis to as long as 20 years,7 the need for long term care support is critical. Indeed, 46 percent of Genworth’s total claims in payment, and 50 percent of all claims dollars, are due to dementia, including Alzheimer’s.8

In addition to the significant cost of paid care, unpaid caregivers — primarily family members — provided 17.4 billion hours of unpaid care valued at more than $210.5 billion in 2011 alone. The Alzheimer’s Association also projects that the cost of care related to Alzheimer’s, including health care, long term care and hospice, will reach $1.1 trillion by 2050.9 This astronomical figure might further deplete the hard-won-back financial reserves of families along with the nation’s Medicare funds and our states’ Medicaid funds.

The cost of Alzheimer’s disease takes many forms. Another Genworth study, Beyond Dollars: The True Cost of Long Term Caring, illustratesthe less obvious but still significant cost to caregivers and their families in terms of short-term 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


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

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HI

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SD

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$66,

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$273

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H

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UT

AZ

OR

WA

ID

WY

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AK

FL

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$232

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20

Homemaker Services(Licensed)

Hourly Rates

Home Health Aide Services(Licensed)

Hourly Rates


Daily Rates

Nursing Home(Private Room)

Daily Rates


Daily Rates


Monthly Rates

RATE RANGE MINIMUM MEDIAN MAXIMUM

MEDIANANNUAL RATE1

FIVE YEARANNUAL

GROWTH2

HO

Me

CO

MM

UN

ITY

FAC

ILIT

Y

USA

USA I Cost of Care Survey 2012

$10 $18 $32 $41,184 1%

$11 $19 $35 $43,472 1%

$15 $61 $165 $15,860 N/A

$625 $3,300 $9,750 $39,600 6%

$80 $200 $950 $73,000 5%

$100 $222 $950 $81,030 4%

21


Hourly Rates


Hourly Rates


Daily Rates


Daily Rates


Daily Rates


Monthly Rates


MEDIANANNUAL RATE1

FIVE YEARANNUAL

GROWTH2

HO

Me

CO

MM

UN

ITY

FAC

ILIT

Y

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


Hourly Rates


Hourly Rates


Daily Rates


Daily Rates


Daily Rates


Monthly Rates


MEDIANANNUAL RATE1

FIVE YEARANNUAL

GROWTH2

HO

Me

CO

MM

UN

ITY

FAC

ILIT

Y

Alaska I Cost of Care Survey 2012

Alaska

$24 $24 $27 $55,484 0%

$24 $25 $30 $56,628 0%

$91 $104 $128 $27,040 N/A

$3,285 $5,500 $8,775 $66,000 9%

$452 $750 $950 $273,750 8%

$452 $637 $950 $232,505 2%

23


Hourly Rates


Hourly Rates


Daily Rates


Daily Rates


Daily Rates


Monthly Rates


MEDIANANNUAL RATE1

FIVE YEARANNUAL

GROWTH2

HO

Me

CO

MM

UN

ITY

FAC

ILIT

Y

Arizona

Cost of Care Survey 2012 I Arizona

$15 $19 $28 $43,472 2%

$15 $20 $28 $45,760 1%

$30 $82 $102 $21,190 N/A

$1,500 $3,100 $6,500 $37,200 4%

$155 $186 $262 $67,708 3%

$168 $226 $319 $82,308 3%

Alaska I Cost of Care Survey 2012

24


Hourly Rates


Hourly Rates


Daily Rates


Daily Rates


Daily Rates


Monthly Rates


MEDIANANNUAL RATE1

FIVE YEARANNUAL

GROWTH2

HO

Me

CO

MM

UN

ITY

FAC

ILIT

Y

Arkansas I Cost of Care Survey 2012

Arkansas

$15 $17 $20 $38,667 2%

$15 $17 $20 $38,896 3%

$61 $64 $85 $16,640 N/A

$1,226 $2,810 $4,725 $33,720 12%

$103 $147 $200 $53,593 5%

$110 $161 $260 $58,900 5%

25


Hourly Rates


Hourly Rates


Daily Rates


Daily Rates


Daily Rates


Monthly Rates


MEDIANANNUAL RATE1

FIVE YEARANNUAL

GROWTH2

HO

Me

CO

MM

UN

ITY

FAC

ILIT

Y

California

Cost of Care Survey 2012 I California

$17 $21 $29 $48,620 2%

$17 $23 $29 $51,480 2%

$43 $77 $165 $20,020 N/A

$900 $3,500 $9,750 $42,000 5%

$152 $224 $450 $81,760 6%

$175 $258 $486 $93,988 4%

Arkansas I Cost of Care Survey 2012

26


Hourly Rates


Hourly Rates


Daily Rates


Daily Rates


Daily Rates


Monthly Rates


MEDIANANNUAL RATE1

FIVE YEARANNUAL

GROWTH2

HO

Me

CO

MM

UN

ITY

FAC

ILIT

Y

Colorado I Cost of Care Survey 2012

Colorado

$14 $20 $28 $44,616 2%

$14 $21 $29 $47,201 1%

$51 $62 $90 $16,120 N/A

$2,000 $3,703 $6,517 $44,433 8%

$158 $206 $265 $75,190 4%

$164 $231 $303 $84,315 4%

27


Hourly Rates


Hourly Rates


Daily Rates


Daily Rates


Daily Rates


Monthly Rates


MEDIANANNUAL RATE1

FIVE YEARANNUAL

GROWTH2

HO

Me

CO

MM

UN

ITY

FAC

ILIT

Y

Connecticut

Cost of Care Survey 2012 I Connecticut

$12 $19 $28 $43,472 0%

$14 $21 $30 $48,048 1%

$68 $75 $87 $19,500 N/A

$1,422 $4,475 $8,050 $53,700 3%

$275 $370 $490 $135,050 4%

$305 $400 $524 $145,818 4%

Colorado I Cost of Care Survey 2012

28


Hourly Rates


Hourly Rates


Daily Rates


Daily Rates


Daily Rates


Monthly Rates


MEDIANANNUAL RATE1

FIVE YEARANNUAL

GROWTH2

HO

Me

CO

MM

UN

ITY

FAC

ILIT

Y

Delaware I Cost of Care Survey 2012

Delaware

$18 $21 $23 $48,048 0%

$18 $23 $27 $52,624 2%

$50 $75 $78 $19,500 N/A

$3,325 $5,269 $6,030 $63,228 10%

$215 $250 $282 $91,250 5%

$228 $265 $292 $96,725 5%

29


Hourly Rates


Hourly Rates


Daily Rates


Daily Rates


Daily Rates


Monthly Rates


MEDIANANNUAL RATE1

FIVE YEARANNUAL

GROWTH2

HO

Me

CO

MM

UN

ITY

FAC

ILIT

Y

District of Columbia

Cost of Care Survey 2012 I District of Columbia

N/A N/A N/A N/A N/A

N/A N/A N/A N/A N/A

$90 $100 $110 $26,000 N/A

$2,500 $2,500 $2,500 $30,000 9%

$235 $237 $242 $86,323 3%

$250 $259 $269 $94,353 3%

Delaware I Cost of Care Survey 2012

30


Hourly Rates


Hourly Rates


Daily Rates


Daily Rates


Daily Rates


Monthly Rates


MEDIANANNUAL RATE1

FIVE YEARANNUAL

GROWTH2

HO

Me

CO

MM

UN

ITY

FAC

ILIT

Y

Florida I Cost of Care Survey 2012

Florida

$13 $17 $27 $38,896 3%

$13 $18 $28 $41,184 2%

$15 $59 $80 $15,340 N/A

$750 $2,750 $7,920 $33,000 3%

$160 $215 $352 $78,475 3%

$185 $232 $379 $84,552 3%

31


Hourly Rates


Hourly Rates


Daily Rates


Daily Rates


Daily Rates


Monthly Rates


MEDIANANNUAL RATE1

FIVE YEARANNUAL

GROWTH2

HO

Me

CO

MM

UN

ITY

FAC

ILIT

Y

Georgia

Cost of Care Survey 2012 I Georgia

$11 $17 $25 $38,896 1%

$12 $17 $28 $38,896 1%

$20 $60 $86 $15,600 N/A

$850 $2,500 $6,000 $30,000 5%

$124 $163 $243 $59,495 4%

$132 $175 $258 $63,875 4%

Florida I Cost of Care Survey 2012

32


Hourly Rates


Hourly Rates


Daily Rates


Daily Rates


Daily Rates


Monthly Rates


MEDIANANNUAL RATE1

FIVE YEARANNUAL

GROWTH2

HO

Me

CO

MM

UN

ITY

FAC

ILIT

Y

Hawaii I Cost of Care Survey 2012

Hawaii

$17 $22 $29 $50,336 2%

$22 $25 $29 $57,772 3%

$42 $67 $80 $17,420 N/A

$2,150 $3,750 $6,500 $45,000 13%

$258 $320 $410 $116,800 3%

$272 $345 $425 $125,925 4%

33


Hourly Rates


Hourly Rates


Daily Rates


Daily Rates


Daily Rates


Monthly Rates


MEDIANANNUAL RATE1

FIVE YEARANNUAL

GROWTH2

HO

Me

CO

MM

UN

ITY

FAC

ILIT

Y

Idaho

Cost of Care Survey 2012 I Idaho

$15 $18 $21 $41,184 3%

$16 $19 $24 $42,328 4%

$64 $96 $140 $24,960 N/A

$1,900 $3,214 $4,500 $38,568 8%

$175 $200 $275 $73,000 4%

$185 $220 $300 $80,300 4%

Hawaii I Cost of Care Survey 2012

34


Hourly Rates


Hourly Rates


Daily Rates


Daily Rates


Daily Rates


Monthly Rates


MEDIANANNUAL RATE1

FIVE YEARANNUAL

GROWTH2

HO

Me

CO

MM

UN

ITY

FAC

ILIT

Y

Illinois I Cost of Care Survey 2012

Illinois

$15 $20 $27 $44,616 2%

$15 $20 $27 $45,760 1%

$17 $65 $110 $16,900 N/A

$1,700 $4,057 $7,475 $48,678 6%

$105 $164 $293 $59,678 5%

$123 $190 $375 $69,350 5%

35


Hourly Rates


Hourly Rates


Daily Rates


Daily Rates


Daily Rates


Monthly Rates


MEDIANANNUAL RATE1

FIVE YEARANNUAL

GROWTH2

HO

Me

CO

MM

UN

ITY

FAC

ILIT

Y

Indiana

Cost of Care Survey 2012 I Indiana

$12 $18 $24 $41,184 1%

$16 $19 $27 $43,472 1%

$45 $65 $96 $16,900 N/A

$1,600 $3,620 $5,820 $43,440 7%

$130 $187 $283 $68,255 6%

$145 $225 $326 $82,125 6%

Illinois I Cost of Care Survey 2012

36


Hourly Rates


Hourly Rates


Daily Rates


Daily Rates


Daily Rates


Monthly Rates


MEDIANANNUAL RATE1

FIVE YEARANNUAL

GROWTH2

HO

Me

CO

MM

UN

ITY

FAC

ILIT

Y

Iowa I Cost of Care Survey 2012

Iowa

$18 $20 $23 $44,639 2%

$18 $21 $25 $47,476 3%

$33 $53 $100 $13,780 N/A

$868 $2,939 $4,650 $35,268 5%

$110 $152 $200 $55,480 5%

$120 $167 $224 $60,773 4%

37


Hourly Rates


Hourly Rates


Daily Rates


Daily Rates


Daily Rates


Monthly Rates


MEDIANANNUAL RATE1

FIVE YEARANNUAL

GROWTH2

HO

Me

CO

MM

UN

ITY

FAC

ILIT

Y

Kansas

Cost of Care Survey 2012 I Kansas

$15 $18 $22 $41,184 2%

$15 $18 $22 $41,184 0%

$50 $70 $75 $18,200 N/A

$2,050 $3,501 $6,675 $42,015 7%

$125 $150 $209 $54,750 5%

$131 $165 $250 $60,225 5%

Iowa I Cost of Care Survey 2012

38


Hourly Rates


Hourly Rates


Daily Rates


Daily Rates


Daily Rates


Monthly Rates


MEDIANANNUAL RATE1

FIVE YEARANNUAL

GROWTH2

HO

Me

CO

MM

UN

ITY

FAC

ILIT

Y

Kentucky I Cost of Care Survey 2012

Kentucky

$12 $17 $25 $38,896 2%

$12 $17 $25 $38,896 2%

$34 $59 $72 $15,288 N/A

$1,134 $2,741 $6,200 $32,892 3%

$135 $189 $259 $69,003 4%

$161 $207 $295 $75,555 4%

39


Hourly Rates


Hourly Rates


Daily Rates


Daily Rates


Daily Rates


Monthly Rates


MEDIANANNUAL RATE1

FIVE YEARANNUAL

GROWTH2

HO

Me

CO

MM

UN

ITY

FAC

ILIT

Y

Louisiana

Cost of Care Survey 2012 I Louisiana

$12 $15 $23 $34,320 3%

$12 $15 $23 $34,320 1%

$50 $60 $87 $15,600 N/A

$1,950 $3,100 $4,650 $37,200 7%

$106 $141 $167 $51,512 5%

$113 $155 $211 $56,721 6%

Kentucky I Cost of Care Survey 2012

40


Hourly Rates


Hourly Rates


Daily Rates


Daily Rates


Daily Rates


Monthly Rates


MEDIANANNUAL RATE1

FIVE YEARANNUAL

GROWTH2

HO

Me

CO

MM

UN

ITY

FAC

ILIT

Y

Maine

$15 $20 $27 $45,760 1%

$16 $22 $27 $50,336 0%

$72 $96 $120 $24,960 N/A

$1,800 $4,500 $9,420 $54,000 6%

$212 $264 $318 $96,360 5%

$237 $288 $343 $105,120 5%

Maine I Cost of Care Survey 2012

41


Hourly Rates


Hourly Rates


Daily Rates


Daily Rates


Daily Rates


Monthly Rates


MEDIANANNUAL RATE1

FIVE YEARANNUAL

GROWTH2

HO

Me

CO

MM

UN

ITY

FAC

ILIT

Y

Maryland

Cost of Care Survey 2012 I Maryland

$12 $19 $23 $43,472 3%

$14 $20 $35 $45,760 3%

$48 $76 $96 $19,825 N/A

$900 $3,200 $8,550 $38,400 6%

$190 $244 $330 $89,060 4%

$200 $263 $434 $95,995 5%

Maine I Cost of Care Survey 2012

42


Hourly Rates


Hourly Rates


Daily Rates


Daily Rates


Daily Rates


Monthly Rates


MEDIANANNUAL RATE1

FIVE YEARANNUAL

GROWTH2

HO

Me

CO

MM

UN

ITY

FAC

ILIT

Y

Massachusetts I Cost of Care Survey 2012

Massachusetts

$17 $23 $31 $51,480 2%

$19 $25 $31 $56,056 2%

$40 $61 $85 $15,941 N/A

$1,500 $4,588 $7,500 $55,050 1%

$227 $322 $410 $117,530 4%

$260 $350 $441 $127,750 4%

43


Hourly Rates


Hourly Rates


Daily Rates


Daily Rates


Daily Rates


Monthly Rates


MEDIANANNUAL RATE1

FIVE YEARANNUAL

GROWTH2

HO

Me

CO

MM

UN

ITY

FAC

ILIT

Y

Michigan

Cost of Care Survey 2012 I Michigan

$12 $19 $23 $42,625 1%

$15 $20 $24 $45,714 2%

$27 $71 $136 $18,460 N/A

$625 $2,713 $6,150 $32,550 6%

$168 $220 $306 $80,300 4%

$168 $240 $423 $87,600 5%

Massachusetts I Cost of Care Survey 2012

44


Hourly Rates


Hourly Rates


Daily Rates


Daily Rates


Daily Rates


Monthly Rates


MEDIANANNUAL RATE1

FIVE YEARANNUAL

GROWTH2

HO

Me

CO

MM

UN

ITY

FAC

ILIT

Y

Minnesota I Cost of Care Survey 2012

Minnesota

$13 $22 $31 $50,336 2%

$15 $25 $35 $57,772 2%

$46 $75 $160 $19,500 N/A

$846 $3,136 $6,100 $37,632 2%

$148 $210 $325 $76,716 11%

$150 $234 $363 $85,534 10%

45


Hourly Rates


Hourly Rates


Daily Rates


Daily Rates


Daily Rates


Monthly Rates


MEDIANANNUAL RATE1

FIVE YEARANNUAL

GROWTH2

HO

Me

CO

MM

UN

ITY

FAC

ILIT

Y

Mississippi

Cost of Care Survey 2012 I Mississippi

$13 $17 $18 $37,752 7%

$13 $17 $18 $37,752 7%

$25 $50 $95 $13,000 N/A

$1,800 $2,925 $4,950 $35,100 10%

$150 $196 $250 $71,540 5%

$155 $205 $265 $74,825 5%

Minnesota I Cost of Care Survey 2012

46


Hourly Rates


Hourly Rates


Daily Rates


Daily Rates


Daily Rates


Monthly Rates


MEDIANANNUAL RATE1

FIVE YEARANNUAL

GROWTH2

HO

Me

CO

MM

UN

ITY

FAC

ILIT

Y

Missouri I Cost of Care Survey 2012

Missouri

$15 $18 $25 $41,184 1%

$17 $18 $25 $41,916 0%

$40 $72 $84 $18,720 N/A

$1,500 $2,419 $5,970 $29,025 4%

$108 $139 $171 $50,735 4%

$116 $152 $213 $55,480 4%

47


Hourly Rates


Hourly Rates


Daily Rates


Daily Rates


Daily Rates


Monthly Rates


MEDIANANNUAL RATE1

FIVE YEARANNUAL

GROWTH2

HO

Me

CO

MM

UN

ITY

FAC

ILIT

Y

Montana

Cost of Care Survey 2012 I Montana

$16 $19 $22 $44,044 3%

$18 $21 $22 $47,476 3%

$35 $80 $108 $20,800 N/A

$2,000 $3,150 $5,070 $37,800 6%

$165 $193 $229 $70,263 5%

$170 $206 $255 $75,008 6%

Missouri I Cost of Care Survey 2012

48


Hourly Rates


Hourly Rates


Daily Rates


Daily Rates


Daily Rates


Monthly Rates


MEDIANANNUAL RATE1

FIVE YEARANNUAL

GROWTH2

HO

Me

CO

MM

UN

ITY

FAC

ILIT

Y

Nebraska I Cost of Care Survey 2012

Nebraska

$17 $19 $23 $44,341 4%

$19 $21 $23 $46,996 1%

$17 $53 $120 $13,650 N/A

$1,863 $3,250 $5,151 $39,000 8%

$123 $176 $240 $64,145 7%

$133 $193 $317 $70,263 7%

49


Hourly Rates


Hourly Rates


Daily Rates


Daily Rates


Daily Rates


Monthly Rates


MEDIANANNUAL RATE1

FIVE YEARANNUAL

GROWTH2

HO

Me

CO

MM

UN

ITY

FAC

ILIT

Y

Nevada

Cost of Care Survey 2012 I Nevada

$17 $20 $24 $45,760 1%

$17 $21 $24 $48,048 1%

$60 $66 $73 $17,225 N/A

$1,600 $2,995 $5,010 $35,940 5%

$173 $220 $293 $80,300 5%

$195 $240 $320 $87,600 4%

Nebraska I Cost of Care Survey 2012

50


Hourly Rates


Hourly Rates


Daily Rates


Daily Rates


Daily Rates


Monthly Rates


MEDIANANNUAL RATE1

FIVE YEARANNUAL

GROWTH2

HO

Me

CO

MM

UN

ITY

FAC

ILIT

Y

New Hampshire I Cost of Care Survey 2012

New Hampshire

$14 $23 $26 $51,480 2%

$14 $24 $27 $53,768 0%

$51 $63 $78 $16,258 N/A

$2,100 $4,000 $8,224 $48,000 6%

$220 $270 $320 $98,550 2%

$230 $288 $354 $105,120 1%

51


Hourly Rates


Hourly Rates


Daily Rates


Daily Rates


Daily Rates


Monthly Rates


MEDIANANNUAL RATE1

FIVE YEARANNUAL

GROWTH2

HO

Me

CO

MM

UN

ITY

FAC

ILIT

Y

New Jersey

Cost of Care Survey 2012 I New Jersey

$15 $20 $28 $44,616 2%

$16 $21 $28 $46,904 2%

$72 $80 $105 $20,800 N/A

$3,160 $5,713 $7,437 $68,556 9%

$231 $292 $375 $106,489 4%

$249 $315 $421 $114,975 4%

New Hampshire I Cost of Care Survey 2012

52


Hourly Rates


Hourly Rates


Daily Rates


Daily Rates


Daily Rates


Monthly Rates


MEDIANANNUAL RATE1

FIVE YEARANNUAL

GROWTH2

HO

Me

CO

MM

UN

ITY

FAC

ILIT

Y

New Mexico I Cost of Care Survey 2012

New Mexico

$15 $18 $23 $41,184 2%

$15 $20 $23 $45,188 3%

$36 $112 $152 $29,120 N/A

$2,069 $3,500 $5,125 $42,000 7%

$140 $185 $236 $67,645 4%

$146 $207 $274 $75,526 5%

53


Hourly Rates


Hourly Rates


Daily Rates


Daily Rates


Daily Rates


Monthly Rates


MEDIANANNUAL RATE1

FIVE YEARANNUAL

GROWTH2

HO

Me

CO

MM

UN

ITY

FAC

ILIT

Y

New York

Cost of Care Survey 2012 I New York

$13 $20 $30 $45,760 3%

$14 $22 $30 $50,336 3%

$15 $55 $140 $14,300 N/A

$1,205 $3,700 $8,767 $44,400 6%

$210 $325 $525 $118,625 3%

$219 $337 $555 $123,005 3%

New Mexico I Cost of Care Survey 2012

54


Hourly Rates


Hourly Rates


Daily Rates


Daily Rates


Daily Rates


Monthly Rates


MEDIANANNUAL RATE1

FIVE YEARANNUAL

GROWTH2

HO

Me

CO

MM

UN

ITY

FAC

ILIT

Y

North Carolina I Cost of Care Survey 2012

North Carolina

$12 $17 $25 $37,752 -1%

$13 $18 $25 $40,040 -1%

$22 $52 $146 $13,520 N/A

$1,158 $2,900 $6,865 $34,800 3%

$114 $190 $264 $69,350 4%

$125 $210 $350 $76,650 5%

55


Hourly Rates


Hourly Rates


Daily Rates


Daily Rates


Daily Rates


Monthly Rates


MEDIANANNUAL RATE1

FIVE YEARANNUAL

GROWTH2

HO

Me

CO

MM

UN

ITY

FAC

ILIT

Y

North Dakota

Cost of Care Survey 2012 I North Dakota

$22 $24 $24 $54,775 9%

$22 $24 $24 $54,775 7%

$28 $53 $112 $13,775 N/A

$1,290 $2,730 $3,945 $32,760 7%

$164 $206 $300 $75,132 10%

$174 $221 $318 $80,607 10%

North Carolina I Cost of Care Survey 2012

56


Hourly Rates


Hourly Rates


Daily Rates


Daily Rates


Daily Rates


Monthly Rates


MEDIANANNUAL RATE1

FIVE YEARANNUAL

GROWTH2

HO

Me

CO

MM

UN

ITY

FAC

ILIT

Y

Ohio I Cost of Care Survey 2012

Ohio

$12 $19 $32 $42,328 1%

$14 $19 $32 $43,197 2%

$30 $50 $99 $12,870 N/A

$1,550 $3,713 $6,660 $44,550 9%

$129 $200 $277 $73,000 4%

$143 $223 $339 $81,213 4%

57


Hourly Rates


Hourly Rates


Daily Rates


Daily Rates


Daily Rates


Monthly Rates


MEDIANANNUAL RATE1

FIVE YEARANNUAL

GROWTH2

HO

Me

CO

MM

UN

ITY

FAC

ILIT

Y

Oklahoma

Cost of Care Survey 2012 I Oklahoma

$12 $17 $32 $38,896 1%

$15 $19 $32 $42,900 2%

$45 $53 $62 $13,780 N/A

$1,650 $2,751 $4,425 $33,015 5%

$103 $135 $170 $49,447 3%

$105 $147 $220 $53,597 3%

Ohio I Cost of Care Survey 2012

58


Hourly Rates


Hourly Rates


Daily Rates


Daily Rates


Daily Rates


Monthly Rates


MEDIANANNUAL RATE1

FIVE YEARANNUAL

GROWTH2

HO

Me

CO

MM

UN

ITY

FAC

ILIT

Y

Oregon I Cost of Care Survey 2012

Oregon

$16 $20 $31 $45,760 2%

$16 $21 $31 $48,048 1%

$64 $97 $100 $25,155 N/A

$1,131 $3,850 $6,401 $46,200 7%

$145 $225 $275 $82,125 5%

$155 $250 $339 $91,250 5%

59


Hourly Rates


Hourly Rates


Daily Rates


Daily Rates


Daily Rates


Monthly Rates


MEDIANANNUAL RATE1

FIVE YEARANNUAL

GROWTH2

HO

Me

CO

MM

UN

ITY

FAC

ILIT

Y

Pennsylvania

Cost of Care Survey 2012 I Pennsylvania

$13 $20 $29 $44,616 2%

$14 $20 $32 $45,760 2%

$30 $55 $160 $14,300 N/A

$1,028 $3,251 $7,140 $39,015 9%

$180 $251 $356 $91,652 4%

$190 $272 $418 $99,280 4%

Oregon I Cost of Care Survey 2012

60


Hourly Rates


Hourly Rates


Daily Rates


Daily Rates


Daily Rates


Monthly Rates


MEDIANANNUAL RATE1

FIVE YEARANNUAL

GROWTH2

HO

Me

CO

MM

UN

ITY

FAC

ILIT

Y

Puerto Rico I Cost of Care Survey 2012

Puerto Rico

$13 $14 $15 $31,918 N/A

$13 $14 $15 $31,918 N/A

N/A N/A N/A N/A N/A

$1,100 $1,400 $2,425 $16,800 N/A

N/A N/A N/A N/A N/A

N/A N/A N/A N/A N/A

61


Hourly Rates


Hourly Rates


Daily Rates


Daily Rates


Daily Rates


Monthly Rates


MEDIANANNUAL RATE1

FIVE YEARANNUAL

GROWTH2

HO

Me

CO

MM

UN

ITY

FAC

ILIT

Y

Rhode Island

Cost of Care Survey 2012 I Rhode Island

$15 $20 $28 $45,760 4%

$20 $24 $30 $54,912 2%

$59 $71 $84 $18,525 N/A

$1,186 $3,898 $4,890 $46,770 9%

$220 $250 $306 $91,250 5%

$250 $315 $350 $114,975 6%

Puerto Rico I Cost of Care Survey 2012

62


Hourly Rates


Hourly Rates


Daily Rates


Daily Rates


Daily Rates


Monthly Rates


MEDIANANNUAL RATE1

FIVE YEARANNUAL

GROWTH2

HO

Me

CO

MM

UN

ITY

FAC

ILIT

Y

South Carolina I Cost of Care Survey 2012

South Carolina

$13 $17 $23 $38,896 2%

$14 $18 $26 $40,681 2%

$30 $50 $69 $13,000 N/A

$1,100 $2,875 $5,937 $34,500 2%

$130 $180 $226 $65,700 4%

$155 $195 $294 $71,175 4%

63


Hourly Rates


Hourly Rates


Daily Rates


Daily Rates


Daily Rates


Monthly Rates


MEDIANANNUAL RATE1

FIVE YEARANNUAL

GROWTH2

HO

Me

CO

MM

UN

ITY

FAC

ILIT

Y

South Dakota

Cost of Care Survey 2012 I South Dakota

$17 $20 $24 $45,760 5%

$18 $20 $25 $45,760 3%

$22 $29 $35 $7,457 N/A

$1,700 $2,746 $4,500 $32,955 6%

$141 $180 $215 $65,700 6%

$144 $188 $231 $68,620 6%

South Carolina I Cost of Care Survey 2012

64


Hourly Rates


Hourly Rates


Daily Rates


Daily Rates


Daily Rates


Monthly Rates


MEDIANANNUAL RATE1

FIVE YEARANNUAL

GROWTH2

HO

Me

CO

MM

UN

ITY

FAC

ILIT

Y

Tennessee I Cost of Care Survey 2012

Tennessee

$13 $17 $25 $37,752 1%

$13 $17 $28 $39,422 1%

$15 $55 $80 $14,300 N/A

$1,275 $3,304 $6,206 $39,645 7%

$140 $180 $240 $65,700 4%

$150 $191 $335 $69,806 4%

65


Hourly Rates


Hourly Rates


Daily Rates


Daily Rates


Daily Rates


Monthly Rates


MEDIANANNUAL RATE1

FIVE YEARANNUAL

GROWTH2

HO

Me

CO

MM

UN

ITY

FAC

ILIT

Y

Texas

Cost of Care Survey 2012 I Texas

$10 $17 $28 $38,896 1%

$11 $18 $33 $41,184 1%

$22 $34 $85 $8,754 N/A

$1,200 $3,200 $6,500 $38,400 5%

$80 $130 $260 $47,450 4%

$100 $169 $317 $61,503 3%

Tennessee I Cost of Care Survey 2012

66


Hourly Rates


Hourly Rates


Daily Rates


Daily Rates


Daily Rates


Monthly Rates


MEDIANANNUAL RATE1

FIVE YEARANNUAL

GROWTH2

HO

Me

CO

MM

UN

ITY

FAC

ILIT

Y

Utah I Cost of Care Survey 2012

Utah

$14 $20 $26 $45,188 5%

$15 $21 $28 $48,048 2%

$41 $45 $50 $11,700 N/A

$1,825 $2,650 $4,600 $31,800 5%

$108 $160 $225 $58,400 3%

$125 $185 $350 $67,343 4%

67


Hourly Rates


Hourly Rates


Daily Rates


Daily Rates


Daily Rates


Monthly Rates


MEDIANANNUAL RATE1

FIVE YEARANNUAL

GROWTH2

HO

Me

CO

MM

UN

ITY

FAC

ILIT

Y

vermont

Cost of Care Survey 2012 I Vermont

$19 $21 $23 $46,904 0%

$19 $21 $23 $48,048 -1%

$16 $132 $150 $34,190 N/A

$2,100 $3,900 $7,750 $46,800 9%

$227 $252 $315 $92,108 4%

$237 $278 $362 $101,507 5%

Utah I Cost of Care Survey 2012

68


Hourly Rates


Hourly Rates


Daily Rates


Daily Rates


Daily Rates


Monthly Rates


MEDIANANNUAL RATE1

FIVE YEARANNUAL

GROWTH2

HO

Me

CO

MM

UN

ITY

FAC

ILIT

Y

Virginia I Cost of Care Survey 2012

virginia

$12 $18 $28 $40,612 2%

$12 $18 $28 $41,756 2%

$46 $55 $90 $14,300 N/A

$1,000 $3,481 $8,130 $41,775 6%

$156 $198 $295 $72,088 5%

$162 $225 $316 $82,125 5%

69


Hourly Rates


Hourly Rates


Daily Rates


Daily Rates


Daily Rates


Monthly Rates


MEDIANANNUAL RATE1

FIVE YEARANNUAL

GROWTH2

HO

Me

CO

MM

UN

ITY

FAC

ILIT

Y

Washington

Cost of Care Survey 2012 I Washington

$16 $22 $28 $49,192 2%

$16 $22 $29 $50,336 1%

$35 $59 $136 $15,379 N/A

$1,395 $4,250 $9,750 $51,000 7%

$180 $240 $350 $87,600 4%

$194 $265 $396 $96,842 5%

Virginia I Cost of Care Survey 2012

70


Hourly Rates


Hourly Rates


Daily Rates


Daily Rates


Daily Rates


Monthly Rates


MEDIANANNUAL RATE1

FIVE YEARANNUAL

GROWTH2

HO

Me

CO

MM

UN

ITY

FAC

ILIT

Y

West Virginia I Cost of Care Survey 2012

West virginia

$14 $15 $22 $34,320 1%

$14 $16 $22 $36,608 3%

$38 $52 $72 $13,390 N/A

$1,700 $3,000 $6,330 $36,000 6%

$140 $230 $307 $83,950 5%

$145 $242 $312 $88,308 4%

71


Hourly Rates


Hourly Rates


Daily Rates


Daily Rates


Daily Rates


Monthly Rates


MEDIANANNUAL RATE1

FIVE YEARANNUAL

GROWTH2

HO

Me

CO

MM

UN

ITY

FAC

ILIT

Y

Wisconsin

Cost of Care Survey 2012 I Wisconsin

$17 $20 $31 $44,616 2%

$17 $21 $31 $48,048 2%

$25 $58 $93 $14,973 N/A

$1,724 $3,700 $6,275 $44,400 7%

$165 $229 $324 $83,585 6%

$176 $255 $355 $93,075 6%

West Virginia I Cost of Care Survey 2012

72


Hourly Rates


Hourly Rates


Daily Rates


Daily Rates


Daily Rates


Monthly Rates


MEDIANANNUAL RATE1

FIVE YEARANNUAL

GROWTH2

HO

Me

CO

MM

UN

ITY

FAC

ILIT

Y

Wyoming I Cost of Care Survey 2012

Wyoming

$18 $20 $23 $45,760 N/A

$19 $21 $23 $46,904 N/A

$54 $56 $60 $14,495 N/A

$2,350 $3,298 $4,605 $39,570 6%

$165 $198 $232 $72,270 5%

$175 $220 $312 $80,391 6%

73


Data Table End Notes (For Non-Data Table End Notes, See Page 90)

1 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 days2 Represents the compound annual growth rate based on Genworth Cost of Care Survey data from 2007 to 2012.

Wyoming I Cost of Care Survey 2012

74

State Name State or Region Counties

Region Definitions

Appendix — Regions I Cost of Care Survey 2012

Alabama AL - Anniston-Oxford Calhoun

AL - Auburn-Opelika Lee

AL - Birmingham-Hoover Bibb, Blount, Chilton, Jefferson, Shelby, St. Clair, Walker

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 Greene, Hale, Tuscaloosa

AL - Rest of State Remaining counties

Alaska AK - Anchorage Anchorage Municipality, Matanuska-Susitna Borough

AK - Fairbanks Fairbanks North Star Borough

AK - Rest of State Remaining counties

Arizona AZ - Flagstaff Coconino

AZ - Lake Havasu City-Kingman

Mohave

AZ - Phoenix-Mesa-Glendale

Maricopa, Pinal

AZ - Prescott Yavapai

AZ - Tucson Pima

AZ - Yuma Yuma

AZ - Rest of State Remaining counties

Arkansas 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/MO - Fayetteville-Springdale-Rogers

Benton, Madison, McDonald, Washington

AR/OK - Fort Smith Crawford, Franklin, Le Flore (OK), Sebastian, Sequoyah

AR - Rest of State Remaining counties

California CA - Bakersfield-Delano Kern

CA - Chico Butte

CA - East Bay Alameda

CA - El Centro Imperial

CA - Fresno Fresno

CA - Hanford-Corcoran Kings

CA - Los Angeles Los Angeles

75


Region Definitions

Cost of Care Survey 2012 I Appendix — Regions

California (cont.) CA - Madera-Chowchilla Madera

CA - Merced Merced

CA - Modesto El Dorado, Nevada, Placer, Sacramento, San Joaquin, Solano, Sutter, Yolo

CA - Napa Monterey, San Benito, San Luis Obispo

CA - Orange Orange

CA - Oxnard-Thousand Oaks-ventura

Alameda, Contra Costa, Marin, Mendocino, Monterey, Napa, Sacramento, San Francisco, San Joaquin, San Mateo, Santa Clara, Santa Cruz, Solano, Sonoma

CA - Redding San Luis Obispo

CA - Riverside-San Bernardino-Ontario

San Luis Obispo, Santa Barbara

CA - Sacramento—Arden-Arcade—Roseville

Alameda, Calaveras, San Joaquin

CA - Salinas Tulare

CA - San Diego Imperial, Orange, San Diego

CA - San Diego- Carlsbad-San Marcos

San Diego

CA - San Francisco San Francisco

CA - San Jose-Sunnyvale-Santa Clara

San Benito, Santa Clara

CA - San Luis Obispo-Paso Robles

San Luis Obispo

CA - San Mateo San Mateo

CA - Santa Barbara- Santa Maria-Goleta

Santa Barbara

CA - Santa Cruz-Watsonville Santa Cruz

CA - Santa Rosa-Petaluma Marin, Sonoma

CA - Stockton San Joaquin

CA - vallejo-Fairfield Solano

CA - visalia-Porterville Tulare

CA - Yuba City Sutter, Yuba

CA - Rest of State Remaining counties

Colorado CO - Boulder Boulder

CO - Colorado Springs El Paso, Teller

CO - Denver-Aurora-Broomfield

Adams, Arapahoe, Broomfield, Clear Creek, Denver, Douglas, Elbert, Gilpin, Jefferson, Park

CO - Fort Collins- Loveland

Larimer

CO - Grand Junction Mesa

CO - Greeley Weld

CO - Pueblo Pueblo

CO - Rest of State Remaining counties

76


Region Definitions


Connecticut CT - Bridgeport- Stamford-Norwalk

Fairfield

CT - Hartford-West Hartford-East Hartford

Hartford, Middlesex, Tolland

CT - New Haven-Milford New Haven

CT - Norwich-New London

New London

CT - Rest of State Remaining counties

Delaware DE - Dover Kent

DE - Rest of State Remaining counties

District of Columbia

DC/vA/MD/Wv - Washington-Arlington-Alexandria

Alexandria City, Arlington, Calvert, Charles, Clarke, District of Columbia, Fairfax, Fairfax City, Falls Church City, Fauquier, Fredericksburg City, Jefferson, Loudoun, Manassas City, Manassas Park City, Prince George’s, Prince William, Spotsylvania, Stafford, Warren

DC - Rest of State Remaining counties

Florida FL - Cape Coral-Fort Myers

Lee

FL - Crestview-Fort Walton Beach-Destin

Okaloosa

FL - Deltona-Daytona Beach-Ormond Beach

volusia

FL - Gainesville Alachua, Gilchrist

FL - Jacksonville Baker, Clay, Duval, Nassau, St. Johns

FL - Lakeland-Winter Haven

Polk

FL - Miami-Fort Lauderdale-Pompano Beach

Broward, Miami-Dade, Palm Beach

FL - Naples-Marco Island Collier

FL - North Port-Bradenton-Sarasota

Manatee, Sarasota

FL - Ocala Marion

FL - Orlando-Kissimmee-Sanford

Lake, Orange, Osceola, Seminole

FL - Palm Bay-Melbourne-Titusville

Brevard

FL - Palm Coast Flagler

FL - Panama City-Lynn Haven-Panama City Beach

Bay

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 - Tallahassee Gadsden, Jefferson, Leon, Wakulla

77


Region Definitions

Florida (cont.) FL - Tampa- St. Petersburg-Clearwater

Hernando, Hillsborough, Pasco, Pinellas

FL - Rest of State Remaining counties

Georgia GA - Albany Baker, Dougherty, Lee, Mitchell, Sumter, Terrell, Worth

GA - Athens-Clarke Clarke, Madison, Oconee, Oglethorpe

GA - Atlanta-Sandy Springs-Marietta

Barrow, Bartow, Butts, Carroll, Cherokee, Clayton, Cobb, Coweta, Dawson, DeKalb, Douglas, Fayette, Forsyth, Fulton, Gwinnett, Haralson, Heard, Henry, Jasper, Lamar, Meriwether, Newton, Paulding, Pickens, Pike, Rockdale, Spalding, Walton

GA - Gainesville Hall

GA - Hinesville-Fort Stewart

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

GA/AL - Columbus Chattahoochee, Harris, Marion, Muscogee, Russell

GA/AL - Dalton Murray, Whitfield

GA/SC - Augusta- Richmond

Aiken, Burke, Columbia, Edgefield, McDuffie, Richmond

GA/SC - Brunswick Brantley, Glynn, McIntosh

GA - Rest of State Remaining counties

Hawaii HI - Honolulu Honolulu

HI - Rest of State Remaining counties

Idaho ID - Boise City-Nampa Ada, Boise, Canyon, Gem, Owyhee

ID - Coeur d’Alene Kootenai

ID - Idaho Falls Bonneville, Jefferson

ID - Pocatello Bannock, Power

ID/WA - Lewiston Asotin, Nez Perce

ID - Rest of State Remaining counties

Illinois IL - Bloomington-Normal McLean

IL - Champaign-Urbana Champaign, Ford, Piatt

IL - Danville vermilion

IL - Decatur Macon

IL - Kankakee-Bradley Kankakee

IL - Peoria Marshall, Peoria, Stark, Tazewell, Woodford

IL - Rockford Boone, Winnebago

IL - Springfield Menard, Sangamon

IL/IN/WI - Chicago- Joliet-Naperville

Cook, DeKalb, DuPage, Grundy, Jasper, Kane, Kendall, Kenosha, Lake (IL), Lake (IN), McHenry, Newton, Porter, Will

IL - Rest of State Remaining counties


78


Region Definitions


Indiana IN - Anderson Madison

IN - Bloomington Greene, Monroe, Owen

IN - Columbus Bartholomew

IN - Elkhart-Goshen Elkhart

IN - Fort Wayne Allen, Wells, Whitley

IN - Indianapolis-Carmel Boone, Brown, Hamilton, Hancock, Hendricks, Johnson, Marion, Morgan, Putnam, Shelby

IN - Kokomo Howard, Tipton

IN - Lafayette Benton, Carroll, Tippecanoe

IN - Michigan City- La Porte

LaPorte

IN - Muncie Delaware

IN - Terre Haute Clay, Sullivan, vermillion, vigo

IN/KY - Evansville Gibson, Henderson, Posey, vanderburgh, Warrick, Webster

IN/MI - South Bend- Mishawaka

Cass, St. Joseph

IN - Rest of State Remaining counties

Iowa IA - Ames Story

IA - Cedar Rapids Benton, Jones, Linn

IA - Des Moines-West Des Moines

Dallas, Guthrie, Madison, Polk, Warren

IA - Dubuque Dubuque

IA - Iowa City Johnson, Washington

IA - Waterloo- Cedar Falls

Black Hawk, Bremer, Grundy

IA/IL - Davenport- Moline-Rock Island

Henry, Mercer, Rock Island, Scott

IA/NE/SD - Sioux City Dakota, Dixon, Union, Woodbury

IA - Rest of State Remaining counties

Kansas KS - Lawrence Douglas

KS - Manhattan Geary, Pottawatomie, Riley

KS - Topeka Jackson, Jefferson, Osage, Shawnee, Wabaunsee

KS - Wichita Butler, Harvey, Sedgwick, Sumner

KS - Rest of State Remaining counties

Kentucky KY - Bowling Green Edmonson, Warren

KY - Elizabethtown Hardin, Larue

KY - Lexington-Fayette Bourbon, Clark, Fayette, Jessamine, Scott, Woodford

KY - Owensboro Daviess, Hancock, McLean

KY/IN - Louisville-Jefferson

Bullitt, Clark, Floyd, Harrison, Henry, Jefferson, Meade, Nelson, Oldham, Shelby, Spencer, Trimble, Washington

KY - Rest of State Remaining counties

79


Region Definitions


Louisiana LA - Alexandria Grant Parish, Rapides Parish

LA - Baton Rouge Ascension Parish, East Baton Rouge Parish, East Feliciana Parish, Iberville Parish, Livingston Parish, Pointe Coupee Parish, St. Helena Parish, West Baton Rouge Parish, West Feliciana Parish

LA - Houma-Bayou Cane-Thibodaux

Lafourche Parish, Terrebonne Parish

LA - Lafayette Lafayette Parish, St. Martin Parish

LA - Lake Charles Calcasieu Parish, Cameron Parish

LA - Monroe Ouachita Parish, Union Parish

LA - New Orleans- Metairie-Kenner

Jefferson Parish, Orleans Parish, Plaquemines Parish, St. Bernard Parish, St. Charles Parish, St. John the Baptist Parish, St. Tammany Parish

LA - Shreveport-Bossier Bossier Parish, Caddo Parish, DeSoto Parish

LA - Rest of State Remaining counties

Maine ME - Bangor Penobscot

ME - Lewiston-Auburn Androscoggin

ME - Portland-South Portland-Biddeford

Cumberland, Sagadahoc, York

ME - Rest of State Remaining counties

Maryland MD - Baltimore-Towson Anne Arundel, Baltimore, Baltimore City, Carroll, Harford, Howard, Queen Anne’s

MD - Bethesda Frederick, Montgomery

MD - Salisbury Somerset, Wicomico

MD/Wv - Cumberland Frederick, Montgomery

MD/Wv - Hagerstown- Martinsburg

Berkley, Morgan, Washington

MD - Rest of State Remaining counties

Massachusetts MA - Barnstable Town Barnstable

MA - Pittsfield Berkshire

MA - Springfield Franklin, Hampden, Hampshire

MA - Worcester Worcester

MA/NH - Boston- Cambridge-Quincy

Essex, Middlesex, Norfolk, Plymouth, Rockingham, Strafford, Suffolk

MA - Rest of State Remaining counties

Michigan MI - Ann Arbor Washtenaw

MI - Battle Creek Calhoun

MI - Bay City Bay

MI - Detroit-Warren-Livonia

Lapeer, Livingston, Macomb, Oakland, St. Clair, Wayne

MI - Flint Genesee

MI - Grand Rapids- Wyoming

Barry, Ionia, Kent, Newaygo

MI - Holland-Grand Haven

Ottawa

80


Region Definitions


Michigan (cont.) MI - Jackson Jackson

MI - Kalamazoo-Portage Kalamazoo, van Buren

MI - Lansing-East Lansing

Clinton, Eaton, Ingham

MI - Monroe Monroe

MI - Muskegon-Norton Shores

Muskegon

MI - Niles-Benton Harbor Berrien

MI - Saginaw-Saginaw Township North

Saginaw

MI - Rest of State Remaining counties

Minnesota MN - Mankato-North Mankato

Blue Earth, Nicollet

MN - Rochester Dodge, Olmsted, Wabasha

MN - St. Cloud Benton, Stearns

MN/WI - Duluth Carlton, Douglas, St. Louis

MN/WI - Minneapolis- St. Paul-Bloomington

Anoka, Carver, Chisago, Dakota, Hennepin, Isanti, Pierce, Ramsey, Scott, Sherburne, St. Croix, Washington, Wright

MN - Rest of State Remaining counties

Mississippi MS - Biloxi-Gulfport Hancock, Harrison, Stone

MS - Hattiesburg Forrest, Lamar, Perry

MS - Jackson Copiah, Hinds, Madison, Rankin, Simpson

MS - Pascagoula George, Jackson

MS - Rest of State Remaining counties

Missouri MO - Columbia Boone, Howard

MO - Jefferson City Callaway, Cole, Moniteau, Osage

MO - Joplin Jasper, Newton

MO - Springfield Christian, Dallas, Greene, Polk, Webster

MO/IL - Cape Girardeau-Jackson

Alexander, Bollinger, Cape Girardeau

MO/IL - St. Louis Bond, Calhoun, Clinton, Crawford, Franklin, Jefferson, Jersey, Lincoln, Macoupin, Madison, Monroe, St. Charles, St. Clair, St. Louis, St. Louis City, Warren, Washington

MO/KS - Kansas City Bates, Caldwell, Cass, Clay, Clinton, Franklin, Jackson, Johnson, Lafayette, Leavenworth, Linn, Miami, Platte, Ray, Wyandotte

MO/KS - St. Joseph Andrew, Buchanan, DeKalb, Doniphan

MO - Rest of State Remaining counties

Montana MT - Billings Carbon, Yellowstone

MT - Great Falls Cascade

MT - Missoula Missoula

MT - Rest of State Remaining counties

Nebraska NE - Lincoln Lancaster, Seward

NE/IA - Omaha- Council Bluffs

Cass, Douglas, Harrison, Mills, Pottawattamie, Sarpy, Saunders, Washington

81


Region Definitions


Nebraska (cont.) NE - Rest of State Remaining counties

Nevada Nv - Carson City Carson City

Nv - Las vegas-Paradise Clark

Nv - Reno-Sparks Storey, Washoe

Nv - Rest of State Remaining counties

New Hampshire NH - Manchester-Nashua Hillsborough

NH - Rest of State Remaining counties

New Jersey 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-Ewing Mercer

NJ - vineland-Millville-Bridgeton

Cumberland

NJ - Rest of State Remaining counties

New Mexico 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

New York NY - Albany- Schenectady-Troy

Albany, Rensselaer, Saratoga, Schenectady, Schoharie

NY - Binghamton Broome, Tioga

NY - Bronx Bronx

NY - Brooklyn Kings

NY - Buffalo-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

NY - Outer New York City Area

Pike, Putnam, Rockland, Westchester

NY - Poughkeepsie- Newburgh-Middletown

Dutchess, Orange

NY - Queens Queens

NY - Rochester Livingston, Monroe, Ontario, Orleans, Wayne

NY - Staten Island Richmond

NY - Syracuse Madison, Onondaga, Oswego

82


Region Definitions


New York (cont.) NY - Utica-Rome Herkimer, Oneida

NY - Rest of State Remaining counties

North Carolina NC - Asheville Buncombe, Haywood, Henderson, Madison

NC - Burlington Alamance

NC - Durham-Chapel Hill Chatham, Durham, Orange, Person

NC - Fayetteville Cumberland, Hoke

NC - Goldsboro Wayne

NC - Greensboro- High Point

Guilford, Randolph, Rockingham

NC - Greenville Greene, Pitt

NC - Hickory-Lenoir-Morganton

Alexander, Burke, Caldwell, Catawba

NC - Jacksonville Onslow

NC - Raleigh-Cary Franklin, Johnston, Wake

NC - Rocky Mount Edgecombe, Nash

NC - Wilmington Brunswick, New Hanover, Pender

NC - Winston-Salem Davie, Forsyth, Stokes, Yadkin

NC/SC - Charlotte- Gastonia-Rock Hill

Anson, Cabarrus, Gaston, Mecklenburg, Union, York

NC - Rest of State Remaining counties

North Dakota ND - Bismarck Burleigh, Morton

ND/MN - Fargo Cass, Clay

ND/MN - Grand Forks Grand Forks, Polk

ND - Rest of State Remaining counties

Ohio OH - Akron Portage, Summit

OH - Canton-Massillon Carroll, Stark

OH - Cleveland-Elyria-Mentor

Cuyahoga, Geauga, Lake, Lorain, Medina

OH - Columbus Delaware, Fairfield, Franklin, Licking, Madison, Morrow, Pickaway, Union

OH - Dayton Greene, Miami, Montgomery, Preble

OH - Lima Allen

OH - Mansfield Richland

OH - Sandusky Erie

OH - Springfield Clark

OH - Toledo Fulton, Lucas, Ottawa, Wood

OH/KY/IN - Cincinnati-Middletown

Boone, Bracken, Brown, Butler, Campbell, Clermont, Dearborn, Franklin, Gallatin, Grant, Hamilton, Kenton, Ohio, Pendleton, Warren

OH/PA - Youngstown- Warren-Boardman

Mahoning, Mercer, Trumbull

83


Region Definitions


Ohio (cont.) OH/Wv - Steubenville-Weirton

Brooke, Hancock, Jefferson

OH - Rest of State Remaining counties

Oklahoma OK - Lawton Comanche

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

Oregon OR - Bend Deschutes

OR - Corvallis Benton

OR - Eugene-Springfield Lane

OR - Medford Jackson

OR - Salem Marion, Polk

OR/WA - Portland- vancouver-Hillsboro

Clackamas, Clark, Columbia, Multnomah, Skamania, Washington, Yamhill

OR - Rest of State Remaining counties

Pennsylvania PA - Altoona Blair

PA - Erie Erie

PA - Harrisburg-Carlisle Cumberland, Dauphin, Perry

PA - Johnstown Cambria

PA - Lancaster Lancaster

PA - Lebanon Lebanon

PA - Pittsburgh Allegheny, Armstrong, Beaver, Butler, Fayette, Washington, Westmoreland

PA - Reading Berks

PA - Scranton—Wilkes-Barre Lackawanna, Luzerne, Wyoming

PA - State College Centre

PA - Williamsport Lycoming

PA - York-Hanover York

PA/NJ - Allentown- Bethlehem-Easton

Carbon, Lehigh, Northampton, Warren

PA/NJ/DE/MD - Philadelphia-Camden-Wilmington

Bucks, Burlington, Camden, Cecil, Chester, Delaware, Gloucester, Montgomery, New Castle, Philadelphia, Salem

PA - Rest of State Remaining counties

Puerto Rico PR - Aguadilla-Isabela-San Sebastián

Aguada, Aguadilla, Añasco, Isabela, Lares, Moca, Rincón, San Sebastian

PR - Fajardo Ceiba, Fajardo, Luquillo

PR - Guayama Arroyo, Guayama, Patillas

PR - Mayagüez Hormigueros, Mayagüez

PR - Ponce Juana Díaz, Ponce, villalba

84


Region Definitions


Puerto Rico (cont.) PR - San Germán- Cabo Rojo

Cabo Rojo, Lajas, Sabana Grande, San Germán

PR - San Juan-Caguas-Guaynabo

Aguas Buenas, Aibonito, Arecibo, Barceloneta, Barranquitas, Bayamón, Caguas, Camuy, Canóvanas, Carolina, Cataño, Cayey, Ciales, Cidra, Comerío, Corozal, Dorado, Florida, Guaynabo, Gurabo, Hatillo, Humacao, Juncos, Las Piedras, Loíza, Manatí,Maunabo, Morovis, Naguabo, Naranjito, Orocovis, Quebradillas, Río Grande, San Juan, San Lorenzo, Toa Alta, Toa Baja, Trujillo Alto, vega Alta, vega Baja, Yabucoa

PR - Yauco Guánica, Guayanilla, Peñuelas, Yauco

PR - Rest of State Remaining counties

Rhode Island RI/MA - Providence- New Bedford-Fall River

Bristol (RI), Bristol (MA), Kent, Newport, Providence, Washington

RI - Rest of State Remaining counties

South Carolina SC - Anderson Anderson

SC - Charleston-North Charleston-Summerville

Berkeley, Charleston, Dorchester

SC - Columbia Calhoun, Fairfield, Kershaw, Lexington, Richland, Saluda

SC - Florence Darlington, Florence

SC - Greenville-Mauldin-Easley

Greenville, Laurens, Pickens

SC - Myrtle Beach-North Myrtle Beach-Conway

Horry

SC - Spartanburg Spartanburg

SC - Sumter Sumter

SC - Rest of State Remaining counties

South Dakota SD - Rapid City Meade, Pennington

SD - Sioux Falls Lincoln, McCook, Minnehaha, Turner

SD - Rest of State Remaining counties

Tennessee TN - Cleveland Bradley, Polk

TN - Jackson Chester, Madison

TN - Johnson City Carter, Unicoi, Washington

TN - Knoxville Anderson, Blount, Knox, Loudon, Union

TN - Morristown Grainger, Hamblen, Jefferson

TN - Nashville-Davidson-Murfreesboro-Franklin

Cannon, Cheatham, Davidson, Dickson, Hickman, Macon, Robertson, Rutherford, Smith, Sumner, Trousdale, Williamson, Wilson

TN/GA - Chattanooga Catoosa, Dade, Hamilton, Marion, Sequatchie, Walker

TN/KY - Clarksville Christian, Montgomery, Stewart, Trigg

TN/MS/AR - Memphis Crittenden, DeSoto, Fayette, Marshall, Shelby, Tate, Tipton, Tunica

TN/vA - Kingsport- Bristol-Bristol

Bristol City, Hawkins, Scott, Sullivan, Washington

TN - Rest of State Remaining counties

85


Region Definitions


Texas TX - Abilene Callahan, Jones, Taylor

TX - Amarillo Armstrong, Carson, Potter, Randall

TX - Austin-Round Rock-San Marcos

Bastrop, Caldwell, Hays, Travis, Williamson

TX - Beaumont-Port Arthur

Hardin, Jefferson, Orange

TX - Brownsville- Harlingen

Cameron

TX - College Station-Bryan

Brazos, Burleson

TX - Corpus Christi Aransas

TX - Dallas-Fort Worth-Arlington

Collin, Dallas, Delta, Denton, Ellis, Hunt, Johnson, Kaufman, Parker, Rockwall, Tarrant, Wise

TX - El Paso El Paso

TX - Houston-Sugar Land-Baytown

Austin, Brazoria, Chambers, Fort Bend, Galveston, Harris, Liberty, Montgomery, San Jacinto, Waller

TX - Killeen-Temple-Fort Hood

Bell, Coryell, Lampasas

TX - Laredo Webb

TX - Longview Gregg, Rusk, Upshur

TX - Lubbock Crosby, Lubbock

TX - McAllen-Edinburg-Mission

Hidalgo

TX - Midland 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

TX - Tyler Smith

TX - victoria Calhoun, Goliad, victoria

TX - Waco McLennan

TX - Wichita Falls Archer, Clay, Wichita

TX/AR - Texarkana Bowie, Miller

TX - Rest of State Remaining counties

Utah UT - Ogden-Clearfield Davis, Morgan, Weber

UT - Provo-Orem Juab, Utah

UT - Salt Lake City Salt Lake, Summit, Tooele

UT - St. George Washington

UT/ID - Logan Cache, Franklin

UT - Rest of State Remaining counties

86


Region Definitions


vermont vT - Burlington-South Burlington

Chittenden, Franklin, Grand Isle

vT - Rest of State Remaining counties

virginia vA - Blacksburg- Christiansburg-Radford

Giles, Montgomery, Pulaski, Radford

vA - Charlottesville Albemarle, Charlottesville City, Fluvanna, Greene, Nelson

vA - Danville Danville, Pittsylvania

vA - Harrisonburg Harrisonburg, Rockingham

vA - Lynchburg Amherst, Appomattox, Bedford, Bedford City, Campbell, Lynchburg City

vA - Richmond Amelia, Caroline, Charles City, Chesterfield, Colonial Heights City, Cumberland, Dinwiddie, Goochland, Hanover, Henrico, Hopewell City, King and Queen, King William, Louisa, New Kent, Petersburg City, Powhatan, Prince George, Richmond City, Sussex

vA - Roanoke Botetourt, Craig, Franklin, Roanoke, Roanoke City, Salem City

vA/NC - virginia Beach-Norfolk-Newport News

Chesapeake City, Currituck, Gloucester, Hampton City, Isle of Wight, James City, Mathews, Newport News City, Norfolk City, Poquoson City, Portsmouth City, Suffolk City, Surry, virginia Beach City, Williamsburg City, York

vA/Wv - Winchester Frederick, Hampshire, Winchester

vA - Rest of State Remaining counties

Washington WA - Bellingham Whatcom

WA - Bremerton- Silverdale

Kitsap

WA - Kennewick-Pasco-Richland

Benton, Franklin

WA - Longview Cowlitz

WA - Mount vernon-Anacortes

Skagit

WA - Olympia Thurston

WA - Seattle-Tacoma-Bellevue

King, Pierce, Snohomish

WA - Spokane Spokane

WA - Wenatchee-East Wenatchee

Chelan, Douglas

WA - Yakima Yakima

WA - Rest of State Remaining counties

West virginia Wv - Charleston Boone, Clay, Kanawha, Lincoln, Putnam

Wv - Morgantown Monongalia, Preston

Wv/KY/OH - Huntington-Ashland

Boyd, Cabell, Greenup, Lawrence, Wayne

Wv/OH - Parkersburg-Marietta-vienna

Pleasants, Washington, Wirt, Wood

Wv/OH - Wheeling Belmont, Marshall, Ohio

87


Region Definitions


West virginia (cont.) Wv - Rest of State Remaining counties

Wisconsin 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 Rock

WI - Madison Columbia, Dane, Iowa

WI - Milwaukee-Waukesha-West Allis

Milwaukee, Ozaukee, Washington, Waukesha

WI - Oshkosh-Neenah Winnebago

WI - Racine Racine

WI - Sheboygan Sheboygan

WI - Wausau Marathon

WI/MN - La Crosse Houston, La Crosse

WI - Rest of State Remaining counties

Wyoming WY - Casper Natrona

WY - Cheyenne Laramie

WY - Rest of State Remaining counties

USA USA All states excluding Puerto Rico

88

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 46,000 providers to complete nearly 15,300 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 2012. Survey respondents were informed that survey data provided would be included in the Genworth 2012 Cost of Care Survey results. Survey questions varied, based on the type of care provider.

Considered the most comprehensive survey of its kind, the Genworth Cost of Care Survey is the first to publish costs for all 384 U.S. Metropolitan Statistical Areas (MSAs). MSA definitions are established by the Office of Management and Budget and include approximately 84 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 2007 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 nearly 3,500 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 weekend and holiday rates.

Adult Day Health Care (ADH)Across 437 regions, surveyors polled more than 42 percent of adult day health care facilities, resulting in more than 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 live more independently in the community. These services may also be used to provide relief for family caregivers.

Appendix — Methodology I Cost of Care Survey 2012

89

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, and then multiplied by 52 weeks.

Assisted Living Facilities (ALF)Across 437 regions, surveyors polled more than 16 percent of licensed assisted living facilities, resulting in more than 6,500 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, only about 50 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 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 33 percent of assisted living facilities 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 more than 24 percent of certified and licensed nursing homes, resulting in more than 3,700 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 2012 I Appendix — Methodology

90

End Notes(For Data Table End Notes, See Page 73)

1 Percentage increase represents the compound annual inflation rate for surveys conducted from 2007 to 2012.2 National Clearinghouse for Long Term Care Information, U.S. Department of Health and Human Services: Planning for LTC. Date accessed: 1/18/12.

3 Genworth companies Long Term Care Claims Experience Data, December 1974 through 12/31/11.4 Our Family, Our Future: The Heart of Long Term Care Planning, an Age Wave/Harris Interactive study sponsored by Genworth, October 2010.

5 2012 Alzheimer’s Disease Facts and Figures, Alzheimer’s Association, Alzheimer’s and Dementia, volume 8, Issue 2.6 Ibid7 Ibid8 Genworth companies Long Term Care Claims Experience Data, December 1974 through 12/31/11.9 2012 Alzheimer’s Disease Facts and Figures, Alzheimer’s Association, Alzheimer’s and Dementia, volume 8, Issue 2.10 Beyond Dollars: The True Impact of Long Term Caring, Genworth, 9/30/2010.

Appendix — end Notes I Cost of Care Survey 2012

91

Notes

Cost of Care Survey 2012 I Notes

92


Notes

Notes I Cost of Care Survey 2012


130568 04/20/12

Genworth 2012Cost of Care SurveyHome 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:• 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

©2007-2012 Genworth Financial, Inc. and National Eldercare Referral Systems, LLC (CareScout). All rights reserved. Genworth, Genworth Financial and the Genworth logo are registered service marks of Genworth Financial, Inc.

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