Florida, with its significant elderly population, has specific considerations regarding long-term care insurance:

State Regulations

Florida's regulations for long-term care insurance are designed to protect consumers. Policies in Florida must have certain consumer protection features, like inflation protection and non-forfeiture benefits.

Partnership Programs

Florida participates in the Long-Term Care Partnership Program, which allows individuals to protect a portion of their assets while qualifying for Medicaid if their long-term care needs extend beyond their insurance coverage. More details about this program can be found here: https://ahca.myflorida.com/medicaid/florida-long-term-care-partnership-program-a-public-private-partnership-for-long-term-care-insurance-coverage

Florida's Ombudsman Program

The state also offers an Ombudsman Program, providing assistance and advocacy for individuals navigating long-term care insurance and services. You can find more details about their services here: https://ombudsman.elderaffairs.org/