But there's a catalyst poised to upend LTC costs — and therefore planning: humanoid robotics. How robots will disrupt health planningBefore an advisor can model what care might cost a client in 2040, they need a complete picture of that client today. Long-term care costs are notoriously expensive. Ongoing human care: $20,000 to $50,000 a year. If a client ultimately needs far less paid human care than projected, a hybrid life/LTC policy's death benefit can preserve value.