Long-Term Care Insurance in Florida
Protect your savings and your family from the high cost of home care, assisted living, and nursing home care — with a plan tailored to your needs and budget.
Most people plan carefully for retirement income — but overlook one of the biggest financial risks they face: the cost of long-term care. A single extended care event can wipe out decades of savings. Long-term care insurance creates a dedicated funding source so you stay in control of where and how you receive care, without burdening your family.
The financial reality of long-term care in Florida
What Long-Term Care Insurance Covers
Home Health Care
Covers skilled nursing, therapy, and personal care services provided in your own home — the most preferred setting for most people.
- Skilled nursing visits
- Physical & occupational therapy
- Personal care aides
- Homemaker services
Assisted Living Facilities
Pays for residential care communities that provide help with daily activities while allowing residents to maintain independence.
- Help with bathing, dressing, meals
- Medication management
- Social and recreational programs
- Around-the-clock supervision
Nursing Home Care
Covers 24-hour skilled nursing and custodial care in a licensed facility for those with significant medical or cognitive needs.
- Skilled nursing care
- Rehabilitation services
- Memory care units
- Custodial and personal care
Adult Day Care
Provides structured daytime programs for seniors who need supervision or social engagement while family caregivers are at work.
- Supervised daytime care
- Health monitoring
- Social activities & meals
- Respite for family caregivers
Why Plan Now?
Protect Your Retirement Savings
A prolonged care need can drain a lifetime of savings in just a few years. LTC insurance creates a dedicated funding source so your nest egg stays intact for your spouse and heirs.
Preserve Your Independence
With a policy in place, you choose where and how you receive care — at home, in an assisted living community, or in a nursing facility — rather than defaulting to whatever you can afford.
Protect Your Family
Without coverage, the burden of caregiving often falls on adult children or a spouse. LTC insurance relieves that pressure and keeps family relationships intact.
Lock In Lower Premiums Now
Premiums are based on your age and health at the time of application. The earlier you apply, the lower your rate — and the easier it is to qualify medically.
Plan ahead — so you can choose where and how you receive care.
Frequently Asked Questions
Client stories
Florida Families Who Planned Ahead for Long-Term Care
Long-term care costs in Florida can exceed $100,000 a year. These clients are glad they planned before they needed it.
"My mother spent her last three years in a memory care facility. The cost wiped out most of her savings and put enormous stress on our family. I swore I would not put my own children through that. Lloyd helped me get a long-term care policy at 61 while I was still healthy enough to qualify at a good rate. It's the most important insurance decision I've ever made."
Frances D.
Boynton Beach, FL — Long-Term Care Insurance
"I didn't want a policy I'd pay into for 20 years and never use. Lloyd showed me a hybrid life insurance policy with a long-term care rider — if I never need care, my kids get the death benefit. That made the decision easy."
William B.
West Palm Beach, FL
Hybrid Life + LTC Policy
"I wanted to stay in my home as long as possible, not go to a facility. Lloyd found a policy with strong home care benefits that covers in-home aides and adult day care. That was the feature that mattered most to me."
Janet C.
Delray Beach, FL
Home Care LTC Benefit
"My wife and I applied together and got a significant couples discount. Lloyd compared several carriers and found one with an inflation protection rider that keeps our benefit growing. We locked in our rates at 64."
Richard N.
Jupiter, FL
Couples LTC Discount
$100K+
Avg. Annual FL Care Cost
15+
Years Serving Florida
20+
Carrier Partnerships
$0
Cost to Compare Plans
Get a Free Long-Term Care Insurance Review
Our licensed Florida advisors will compare top-rated carriers and help you find the right coverage at the right price — at no cost to you.