Long-Term Care Insurance in Florida
Caring for Tomorrow, Starting Now
The need for support grows as we live longer, and long term care insurance in Florida helps you keep options open. With more Floridians entering their late-life years, demand for home care, assisted living, and nursing facilities is rising in communities like Fort Lauderdale, Davie, and Sunrise. The people who retain choice—where to receive care, who provides it, and how to pay—are usually those who plan early. That’s the purpose of long-term care planning: protecting dignity, lifestyle, and the retirement you’ve worked hard to build.
Coverage at a Glance
Understand what policies are designed to do.
What LTC can cover
in-home care (personal care and homemaker services), adult day care, assisted living, nursing facility care, respite care, caregiver training, and
care coordination.
Elimination periods
the waiting period before benefits begin; commonly 30–90 days depending on the policy you choose.
Who Typically Chooses Long-Term Care
Choose a path that fits your family.
- Florida residents who want the option to receive home health care rather than move immediately to a facility.
- Couples coordinating assets so one partner’s care needs don’t derail shared retirement income.
- Single retirees who prefer predictable costs and flexible provider choices across Broward County.
- Households with a history of longevity or cognitive decline who want coverage to match likely needs.
- Those planning a future move within Florida who value portability between Fort Lauderdale, Davie, and Sunrise providers.
What to Expect When Planning Long-Term Care in Florida
Costs vary by setting and location, and statewide averages trend higher in major metros and coastal areas. The key is to estimate total annual care—home health hours, assisted living services, or skilled nursing—and compare that to benefits, inflation protection, and shared-care features. We’ll walk through benefit amounts and periods so your coverage reflects real-world care options in your part of Florida.
Get Started Today
Learn simple strategies to transfer risk during Your Sweet Retirement. Our short guide explains benefit triggers, elimination periods, and how long-term care insurance coordinates with Medicare and retirement income planning.
Home Care, Assisted Living, and Costs—Florida FAQ
Does Medicare pay for long-term care?
Medicare covers limited, medically necessary skilled care. It does not pay for custodial long-term care such as help with bathing, dressing, or routine supervision. Learn more about Parts A and B basics.
What are common LTC benefit periods?
Many policies offer 2–5 year benefit periods, with options outside that range depending on the insurer and design you choose.
Are hybrid life/LTC options available?
Yes. Some policies combine life insurance with long-term care riders, providing benefits for care needs with a built-in death benefit if care is not used.
When should I buy LTC?
Many people consider coverage in their mid-50s to early-60s while they’re healthy enough for underwriting and premiums are more manageable.
Can I use LTC benefits for home care?
Many policies include in-home care, often at the same or a set percentage of the facility benefit. Terms vary by policy.