Our Long-Term Care Solutions
Lifeworth Long-Term Care Services
Traditional Long-Term Care Insurance
Dedicated coverage for daily care — pays a daily or monthly benefit when you need help with everyday activities.
- Covers care at home, in assisted living, or in a nursing facility
- Benefit amount and benefit period chosen at application
- Premiums are not guaranteed and can be increased by the insurer
Hybrid Life and Long-Term Care
One policy, two outcomes — a life policy you can draw down for care, which still pays a death benefit if care is never needed.
- Premiums are typically guaranteed at issue
- Pays a death benefit if long-term care is never used
- Usually funded with a single premium or a set number of payments
Long-Term Care Riders on Life Insurance
An add-on to coverage you may already want — accelerates part of a life insurance death benefit to pay for qualifying care.
- Added to a new policy, or an existing one with some carriers
- Benefits paid for care reduce the death benefit
- Rider availability, cost, and triggers vary by carrier
Partnership-Qualified Policies
Coverage tied to Medicaid asset protection — approved under the Florida Long-Term Care Partnership Program, which grants a dollar-for-dollar asset disregard.
- Every $1 of benefits paid shields $1 of assets from Medicaid spend-down
- Must be tax-qualified and include inflation protection
- Buying a Partnership policy does not by itself guarantee Medicaid eligibility
Independent guidance
Why Choose Lifeworth for Long-Term Care?
Long-term care is a household decision before it is a policy decision.
As an independent agency in Broward County, we start with how your family actually intends to handle care — who would provide it, where, and for how long — and only then look at which of the four routes above fits. Rate-increase history and benefit triggers get explained before you apply, not after.
Independent & Unbiased — We represent multiple carriers
Plain Language — Exclusions, elimination periods and rate history explained up front.
Broward County Focused — We understand the needs of South Florida families and businesses
Coordinated Planning — Long-term care considered alongside Medicare, life insurance and income
Ready to Put a Care Plan in Writing?
Let’s map who provides care, where, and how it gets paid for.
No pressure. No confusing sales tactics.
Just honest guidance from licensed agents who will tell you when coverage is not the right answer.
Contact lifeworth insurance agency
Contact Our Team
At Lifeworth Insurance Agency, our goal is ensuring you have the proper coverage for you and your loved ones. Contact us today to learn more about how we can help secure your future.
Long-term care policy benefits, exclusions, elimination periods and eligibility triggers vary by contract. Guarantees are backed by the claims-paying ability of the issuing insurer.
Explore More Coverage Options
Every long-term care article, by topic
How the coverage works
- Traditional long-term care insurance
- Hybrid life and long-term care policies
- Long-term care riders on life insurance
- Annuities with a long-term care rider
- Benefit triggers and the six ADLs
Policy mechanics
- The elimination period
- Benefit period and the benefit pool
- Rate increases and premium rules
- If a claim is denied in Florida
Deciding
What care costs in Florida
- Cost of long-term care in Florida
- Nursing home costs
- Assisted living costs
- Home health care costs
- Memory care costs
- What coverage costs by age
Who pays for care
This is one of the coverage areas Lifeworth Insurance Agency works in across Florida. See all services.
Want the full picture on cost, options, and whether it’s worth it? Read our complete guide: Long-Term Care Insurance in Florida — Cost, Options & Is It Worth It.