LONG-TERM CARE INSURANCE IN FLORIDA

Protection for Your Golden Years

As Americans live longer and healthier lives, the need for extended care becomes an essential consideration at the early stages of life. At Boyd Insurance & Investments, we understand the financial burden that chronic health conditions can bring. Our comprehensive long-term care insurance solutions are designed and tailored to provide the necessary protection and support during your golden years.

What Is Long-term Care Insurance

Long-term care (LTC) insurance is a vital component of a well-rounded financial plan, offering coverage for the costs associated with extended care services. It provides financial support for individuals who require assistance with activities of daily living (ADLs) or supervision due to chronic illnesses, disabilities, or cognitive impairments.

This type of insurance generally helps cover expenses related to in-home care, assisted living facilities (ALFs), nursing homes, and adult day care centers, ensuring that you receive the necessary care while protecting your hard-earned savings.

What Is Covered Under LTC Insurance

LTC coverage may depend on the individual’s policy, but in general, it covers a wide range of services and expenses associated with extended care. This includes:

In-Home Care

LTC insurance can cover the costs of home health aides, skilled nursing services, and therapy sessions provided in the comfort of your own home.

Assisted Living Facilities

If you require assistance with daily activities but do not require intensive medical care in a nursing home, it can help cover the expenses associated with ALFs.

Nursing Homes

Should you need specialized care in a nursing home facility, it can help alleviate the financial burden by covering the costs of room, board, and skilled nursing services.

Adult Day Care

It can provide coverage for adult daycare centers, where you can receive supervised care, social interaction, and various therapeutic activities during the day.

Respite Care

If your primary caregiver needs a temporary break, this can cover respite care costs, to receive quality care while providing your caregiver with some relief.

Explore Your LTC Insurance Options Today!

Your senior years should be a time of enjoyment and relaxation, not a source of financial stress or worry. Take control of your future by exploring the long-term care insurance options available to you. At Boyd Insurance & Investments, we can help you find the right coverage for your needs and situation. Contact us now!

Is Long-term Care Insurance Required in Florida?

Long-term care insurance is not mandatory in Florida. However, it is highly recommended to consider long-term care insurance as part of your comprehensive financial plan. As you plan for your golden years, it’s important to be proactive in protecting your assets and ensuring that you have the means to receive quality care if the need arises.

Without this, the costs of extended care services can quickly deplete your savings and place a significant burden on your family. By having an LTC insurance policy in place, you can have peace of mind knowing that you have financial protection and a plan to access the care you need.

Why Do I Need Long-term Care Insurance

Preparing for your future and ensuring your well-being during your golden years is a crucial aspect of financial planning. Here are several reasons why you need LTC insurance:

Financial Security

It protects your savings and assets by covering the high costs of extended care services such as in-home care, assisted living, and nursing homes. It ensures your financial stability remains intact.

Independence and Control

You retain control over your care decisions. It empowers you to choose the type of care you prefer, whether receiving assistance at home or in a specialized facility, preserving your independence and lifestyle.

Alleviate Family Burden

It eases the financial and caregiving burden on your loved ones. It ensures you have access to professional care when needed, reducing the strain on family members who may be unable to provide the necessary care.

Plan for Uncertainties

LTC needs can arise unexpectedly due to accidents, chronic illnesses, or age-related conditions. Knowing you have the plan to address potential challenges and ensure quality care provides peace of mind.

Our Long-Term Care Insurance Experts

Lexie Guanchez

Employee Benefits Advisor
Office Phone: 941-745-8300 ext....

Joanna Francis

Benefits Account Manager
Office Phone: 941-745-8300 ext....

Jeff Chapin

Commercial Insurance Advisor
Office Phone: 941-745-8300...

Bixby Hartley

Personal Insurance Advisor
Office Phone: 941-745-8300 ext....

Reeves Rogers

Commercial Insurance Advisor
Office Phone: 941-745-8300...

Pam Gillette

Commercial Account Manager
Office Phone: 941-745-8300 ext....

Julie Boswell

Commercial Account Manager
Office Phone: 941-745-8300 ext....

Summer Clifton

Assistant Commercial Account Manager
Office Phone: 941-745-8300...

Sara Tappan

Personal Account Manager
Office Phone: 941-745-8300 ext....

Sue Rocco

Personal Account Manager
Office Phone: 941-745-8300 ext....

Coreen Klein

Financial Services Account Manager
Office Phone: 941-745-8300...

Savana Clifton

Bookkeeper
Office Phone: 941-745-8300
Email: SavanaC@BoydInsurance.com

Jamie Wood

Director Of Business Development
Office Phone: 941-745-8300...

Kim Bateman

Internal Communications Coordinator
Office Phone: 941-745-8300 ext....

Amy Hirsch

Personal Account Manager
Office Phone: 941-745-8300 ext....

Rebecca Nesta

Benefits Account Manager
Office Phone: 941-745-8300...

Debbie Brown

Executive Assistant
Office Phone: 850-643-2900 ext. 798
Email:...

Emma Balak

Administrative Assistant
Office Phone: 941-745-8300 ext. 776
Email:...

Lori Scott

Employee Benefits Advisor
Office Phone: 941-745-8300...

Frequently Asked Questions

No, this can be beneficial for individuals of any age who want to protect themselves from the high costs of extended care due to chronic illnesses, disabilities, or cognitive impairments.

Yes, this often covers in-home care services, including home health aides, skilled nursing services, therapy sessions, and more. This allows you to receive care in the comfort of your own home.

Yes, you can purchase LTC coverage for eligible family members, including parents or loved ones, provided you have their consent.

Yes, most LTC insurance policies have a waiting or elimination period before coverage kicks in. This waiting period is typically a specified number of days or months from when the need for care arises.

Depending on your insurance provider, some policies offer the flexibility to modify your coverage options to better suit your evolving needs. It’s important to review the terms and conditions of your policy regarding modifications.

Age with Confidence by Getting LTC Insurance Today!

Don’t wait until it’s already too late. With Boyd Insurance by your side, you can find the best coverage that suits your needs and budget. Let us work together to ensure your financial future and well-being during one of the most important times in your life. Contact us today!