Long-Term Care Insurance - Florida

Florida Long-Term Care Insurance is currently available through State Farm Mutual Automobile Insurance Company. Details about coverage, policies, and benefits are listed below. State Farm has different plans to help you choose the plan to best fit your needs. Please read a brief description of the State Farm Long-Term Care Insurance in Florida.

The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent/producer or insurance company.

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Long-Term Care Insurance

Policy Benefits

Home Health Care/Adult Day Care

  • Paid on a calendar week basis
  • Pays the lesser of seven (7) times the maximum daily benefit or the actual expense incurred during a calendar week

Respite Care

  • Pays the lesser of the maximum daily benefit or the actual expense incurred for up to thirty (30) days per calendar year

Medical Help System

  • Pays for rental or lease of the system while your policy is in force and you are residing in your home
  • Pays the expense incurred, up to 25% of the maximum daily benefit
  • Payable for a maximum of twelve (12) months

Caregiver Training

  • Pays expenses incurred, up to five (5) times the maximum daily benefit

Alternate Care Facility (such as Assisted Living)

  • Pays the expense incurred for each day, up to the maximum daily benefit

Long-Term Care Facility (such as a Nursing Home)

  • Pays the expense incurred for each day, up to the maximum daily benefit

Bed Reservation

  • Pays the lesser of the maximum daily benefit or the expense you incur if charged while temporarily absent from a facility
  • Thirty (30) day limit per calendar year

Waiver of Premium

  • After 90 days of covered care (as defined in the policy), not separated by more than a 15 day period, your premiums will be waived. You will not be responsible for premium payment unless you recover or are no longer receiving covered care, or if your policy's lifetime maximum has been met.

Home Modification and Durable Medical Equipment

  • Physical changes to your home
  • Use of Durable Medical Equipment
  • Allows you to remain in your home
  • Pays a maximum of fifty (50) times the Maximum Daily Benefit

Inflation Protection

  • Your Maximum Daily Benefit can be increased in one of the following ways:
    • Future Purchase Option (97063FL)
    • Simple Automatic Increase (97063SFL)
    • Compound Automatic Increase (97063C3FL, 97063C5FL)

Long-Term Care Insurance Partnership

Partnership Policies could help you manage the financial impact of having to spend down assets to meet Medicaid eligibility. The policy needs to be federally tax-qualified, and specific inflation protection requirements need to be met to qualify for a Partnership Policy. They are:
  • Under the age of 61 – Compound Automatic Increase Benefit
  • Age 61 to 75 – Simple Automatic Increase Benefit

Benefit Eligibility

To be eligible for benefits, you must first be "chronically ill" as certified by a licensed health care practitioner (a physician i.e., M.D. or D.O., registered nurse, or licensed social worker).

Certification means that you are unable to perform at least two Activities of Daily Living for an expected period of at least 90 days without substantial assistance from another person. You must also satisfy an Elimination Period before benefits are paid.

What are Activities of Daily Living?

  • Eating (feeding yourself; not meal preparation)
  • Bathing (washing yourself)
  • Toileting (using the bathroom)
  • Dressing (putting on and taking off clothing)
  • Continence (controlling bladder and bowel function or the ability to perform hygienic tasks if control is lacking)
  • Transferring (moving into or out of a bed, a chair or a wheelchair)

You could also be certified as chronically ill if your health and safety are threatened and you need substantial supervision because of a severe cognitive impairment (such as Alzheimer's disease).

What is an Elimination Period?

The Elimination Period is similar to a deductible under other types of insurance policies. It is the number of days you receive and pay for eligible care before you begin receiving policy benefits. In most states you can choose 30, 90 or 180 days. After satisfaction of the Elimination Period, benefits will be paid for each day of care, for charges incurred up to the daily benefit amount in your policy.

Is there a maximum benefit?

Yes. Daily benefit amounts range from $100/day up to $500/day; in $25 increments.

The maximum lifetime benefit is equal to the daily benefit; multiplied by 365 days, multiplied by the benefit factor (in years) you choose when you apply for the policy. The benefit factor can be 2, 3, or 5 years. For example, a $100/day policy with a 5 year benefit factor has a lifetime maximum of $100 X 365 days X 5 years = $182,500.00.


The quotes generated by this program are illustrative only and not a contract, binder or agreement to extend insurance coverage and are based on information you have supplied. If the information used to generate this example changes, or different rates are effective at the time of policy issuance, this rate quote may be revised. Premium rates are subject to change and may be increased, and any rate changes would apply to all policies in the same class in the state where the policy is issued. No money should be sent to State Farm in response to this advertisement. To obtain coverage you must submit an application to State Farm. All applications for coverage are subject to underwriting approval and subject to applicable state and federal law. A medical exam is not required unless specifically arranged by the Underwriting Department. Upon application approval, coverage can only be effective after payment and receipt of the initial policy-required premium. All policies may not be available in all states. Benefits, exclusions and limitations will apply. Please contact a State Farm agent/insurance producer for further details.

Note: This is a Marketing tool intended for use in the sale of insurance. Completion of an application for a State Farm insurance policy will require contact with a State Farm insurance agent/producer.

The information provides a brief, general description of the coverage provided by these policies. It is not a contract and certain exclusions and limitations apply. A complete statement of the coverage provided is found only in the policy itself. Policy coverages, exclusions and limitations may vary in some states.

For exact terms and conditions see: Long Term Care Policy series 97063FL.

State Farm Mutual Automobile Insurance Company
Bloomington, IL