---
title: "Florida Long-Term Care Insurance | Funding LTC Marketplace"
url: https://fundingltcmarketplace.com/states/florida/long-term-care-insurance/
description: "How the Florida Office of Insurance Regulation oversees LTC insurance, the consumer protections in state law and the Florida LTC Partnership Program."
last_updated: 2026-10-20
author: George A. Mellendorf, CLTC, LTCP (Central States Insurance Services, Inc.)
publisher: Funding LTC Marketplace
note: Educational content; not legal, tax or financial advice. Markdown copy of the HTML page at the URL above.
---
Florida · LTC Insurance

# Florida Long-Term Care Insurance

Last updated 2026-10-20

Long-term care insurance policies sold in Florida fall under the oversight of the Florida Office of Insurance Regulation, operating under Chapter 627, Part XVIII of the Florida Statutes and Rule Chapter 69O-157 of the Florida Administrative Code (Florida OIR, Long-Term Care). Consumer complaints and general assistance run through a separate channel — the Department of Financial Services, which publishes its own plain-language resource, "Long-Term Care: A Guide for Consumers" (Florida DFS).

## Does Florida have a Long-Term Care Partnership program?

**Yes.** Florida takes part in the Long-Term Care Partnership program created by the federal Deficit Reduction Act of 2005 (DRA). DRA Partnership states follow consumer-protection standards drawn from the National Association of Insurance Commissioners (NAIC) Long-Term Care Insurance Model Act and Model Regulation. A Partnership-qualified policy gives you **dollar-for-dollar asset protection**: for every dollar the policy pays in benefits, Florida Medicaid can disregard a dollar of your assets when it decides eligibility, and the same amount is protected from estate recovery after death.

**How the protection works (illustrative):** if a Partnership policy pays $200,000 in benefits before you apply for Medicaid, Medicaid can disregard $200,000 of your assets on top of the state's regular asset limit, and that same amount is protected from Medicaid estate recovery later.

### What makes a policy Partnership-qualified

- It's a **tax-qualified** long-term care policy under Internal Revenue Code § 7702B.
- It meets the state's Partnership consumer-protection standards and is issued while you're a resident of a Partnership state (each state sets its own start date and residency rule).
- It carries the required **inflation protection** for your age when you buy: compound annual protection if you're under 61, some level of protection from 61 through 75, and optional protection at 76 or older.

### If you move to another state

Florida appears on the New York State Partnership for Long-Term Care's reciprocity map as a Partnership state that honors reciprocity. In general, a Partnership policy bought in another reciprocal state keeps its dollar-for-dollar protection here, and a Florida policy keeps it in other reciprocal states.

**The original four:** California, Connecticut, Indiana and New York started their Partnership programs before the Deficit Reduction Act of 2005. Their programs were designed separately from the NAIC-based DRA model, so their rules differ (for example, some offered Total Asset protection), and California doesn't take part in reciprocity. If you bought a policy in one of these states, confirm how it's treated with the Medicaid agency where you'll apply.

Not every insurer offers Partnership-qualified policies in every state. When you compare quotes, ask whether each policy is Partnership-qualified in Florida.

## Sources and official resources

- [Florida Office of Insurance Regulation: Long-Term Care Insurance](https://floir.gov/life-health/long-term-care)
- [Florida Statutes: § 409.9102, Florida Long-Term Care Partnership Program](https://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0400-0499/0409/Sections/0409.9102.html)
- [Florida DCF: ESS Program Policy Manual](https://www.myflfamilies.com/services/public-assistance/additional-resources-and-services/ess-program-manual/)
- [New York State Partnership for Long-Term Care: State Partnership Programs and Reciprocity map](https://nyspltc.health.ny.gov/reciprocitymap.htm)
- [U.S. Code: 42 U.S.C. § 1396p (liens, estate recovery, transfers of assets, Partnership disregard)](https://www.law.cornell.edu/uscode/text/42/1396p)

Rules and figures change. Confirm current details with the agency before you act.

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