Long Term Care Insurance in Florida That Protects Your Plan and Your Family

Nurse consulting with a couple, one in a wheelchair, indoors.

Why Planning Matters

The cost of extended care in Florida

Help with daily activities is not medical insurance. It is long term care. Home health aides, assisted living, and nursing homes are real costs in Manatee County. Without a plan, savings drain fast and kids get pulled in. AEGIS Elder Advisors helps Parrish families size the risk and choose coverage that keeps you at home longer and keeps choices in your hands.

How Policies Work

Benefits that follow you from home to facility

You pay a premium for a monthly benefit. If you cannot do two activities of daily living or have a cognitive impairment, the policy pays after a short waiting period. Use it for in home care, assisted living, or skilled care. Many modern designs include hybrid life and LTC options. If you do not use care, your heirs receive a life benefit. We walk through both traditional and hybrid so you see the tradeoffs.

AEGIS Approach

Local guidance with specialist partners when needed

Underwriting can be strict. Budgets are real. We start with what you can sustain, then compare traditional LTC, short term care, and hybrid life with LTC riders. I will coordinate with an LTC specialist if that adds value and stay with you through selection and annual reviews. If legacy is part of the goal, we can connect this plan to life insurance & wealth planning so your heirs still receive what you intend.

Programs And Benefits

Florida partnership and veterans options

Florida Partnership policies can protect assets dollar for dollar if Medicaid is needed later. Veteran households may qualify for Aid and Attendance. We do the homework and loop in your attorney or VSO so paperwork does not stall.

Questions We Hear

FAQ for long term care

  • When should I buy?

    Often in your 50s or early 60s while healthy enough to qualify.

  • What if premiums rise?

    We plan for adjustments and choose designs with options to reduce benefits if needed.

  • Does Medicare cover this?

    Medicare pays short rehab after a hospital stay. It does not cover ongoing custodial care.

Put A Plan In Place

Start your long term care strategy now

Bring your goals and your budget. I will show the options that fit Parrish life and help you pick a policy that keeps you in control.