How would you pay for long-term care if you or a loved one needed it tomorrow? Most people are surprised to learn just how expensive it is to receive ongoing care in a nursing home, assisted living facility, or even at home. And for many Florida families, there is no clear plan in place to cover the costs. 

Long-Term Care Awareness Month gives us an opportunity to talk openly about how to prepare. Whether you are planning for yourself or aging parents, understanding your options now can make a big difference later. 

What Counts as Long-Term Care 
Long-term care includes a broad range of services for individuals who can no longer manage everyday activities on their own. This might mean support with dressing and bathing, or full-time medical assistance. Depending on the setting and level of care, costs can range from a few thousand to over ten thousand dollars per month in Florida. 

Relying on Private Pay Can Deplete Assets 
Many people begin paying out of pocket because they believe they have no other option. This approach quickly drains savings and leaves few resources for spouses or loved ones. Without a clear plan, families may face tough decisions during an already stressful time. 

Planning for Medicaid Eligibility Can Help 
Florida Medicaid offers long-term care benefits, but qualifying is not automatic. Income and asset limits apply, and timing is important. The sooner you begin planning, the more options are available. Tools such as irrevocable trusts or properly structured spend-down strategies can help you qualify while preserving resources. 

Estate Planning Documents Play a Key Role 
Your estate plan is not just about what happens when you pass away. It is also critical to include durable powers of attorney and health care advance directives that give someone legal authority to act on your behalf. Without these, it may be difficult or even impossible for a loved one to help you apply for benefits or manage care decisions. 

Now Is the Time to Prepare 
The best time to plan is before a health event or care need arises. Working with an experienced elder law and estate planning attorney can give you peace of mind and a strategy tailored to your situation. 

If you are wondering how you or a loved one will cover the cost of care in the future, we invite you to take the first step today. 

At Meloro Law we help Florida families create long-term care plans that protect their resources and honor their wishes. Contact us today to schedule a consultation.