Planning Ahead: How Long-Term Care Insurance Can Help Cover Assisted Living Costs
Planning Ahead: How Long-Term Care Insurance Can Help Cover Assisted Living Costs
June 28 marked National Insurance Day, and it’s the perfect time to talk about a topic that can feel overwhelming, yet so essential, planning for long-term care. At Sincerity Residential Care, we understand that choosing the right assisted living home is not just about comfort, care, or even luxury. It’s also about clarity, transparency, and financial peace of mind.
If you or a loved one have a long-term care insurance policy, you might already be in a better position than you realize. Let’s take a closer look at how this type of insurance works and how it might help pay for assisted living costs, especially here in Florida.
What Is Long-Term Care Insurance?
Long-term care insurance (LTCI) is designed to help cover the cost of services that support daily living activities over an extended period of time. These activities might include bathing, dressing, toileting, medication management, and mobility assistance.
Most traditional health insurance policies and Medicare do not cover this kind of ongoing, custodial care. That’s where LTCI can step in, filling the gap and offering support when individuals need help but don’t require a hospital or nursing home.

Can Long-Term Care Insurance Be Used for Assisted Living?
Yes. Many LTCI policies include coverage for assisted living, as long as certain criteria are met. This often includes:
- A formal diagnosis or care need that qualifies the person for two or more activities of daily living (ADLs), or
- A cognitive impairment such as Alzheimer’s or other forms of dementia.
Once these qualifications are met, benefits can typically be used to help pay for:
- Daily caregiving and personal support
- Medication administration
- Supervision related to cognitive challenges
- Assistance with mobility and hygiene
- Residential services provided in an assisted living home
At Sincerity, these services are part of our all-inclusive care model, making it easier to coordinate with LTCI policies and ensure residents receive the consistent, dignified care they need.
What Sets Sincerity Apart?
We’ve designed our approach to help families make the most of their resources while offering a truly boutique, personalized experience. Here’s how our model helps support LTCI-covered care:
- All-Inclusive Pricing: Our all-inclusive model simplifies billing and avoids surprises, which helps with insurance claims.
- Detailed Documentation: We provide the required records to help families navigate LTCI paperwork with ease.
- Integrated Cognitive Support: Residents experiencing cognitive change are part of our shared home environment, not a separate wing, preserving dignity and familiarity.
- Staff Continuity: Our 1:3 staff-to-resident ratio and 24/7 LPN support ensure highly personalized and consistent care.
Why Florida Families Should Pay Attention
Florida is one of the most popular states for retirees, but it’s also a state where assisted living regulations and insurance processes can be complex. Knowing what your policy includes is key to making an informed choice.
Here are a few things to keep in mind:
- Florida does not require LTCI to cover assisted living specifically, so check your policy details.
- Some policies reimburse a daily or monthly benefit amount, while others require out-of-pocket payment first.
- Most policies have waiting periods, known as elimination periods.
- Our experienced care team can help you navigate these steps confidently.
Questions to Ask About Your Policy
- What settings does this policy cover (home care, assisted living, skilled nursing)?
- What is the maximum daily or monthly benefit?
- What is the lifetime maximum benefit?
- Are there specific exclusions or limitations?
- Is there an elimination period, and how long is it?
- What documentation is needed to start a claim?
We’re Here to Help
Choosing assisted living is a major decision, and financial planning plays a big role. At Sincerity, we’re committed to supporting families every step of the way, from reviewing care needs to coordinating with long-term care insurance providers.
We’re more than a luxury boutique home. We’re a community that cares deeply about individual dignity, clarity in pricing, and a seamless experience that helps our residents and their families focus on what matters most, quality of life.
Sincerity Residential CareLicense #AL13981.
Contact us to schedule a visit or learn more about our care model.


June 21 marked International Day of Yoga, a global reminder of how this ancient practice continues to nurture body, mind, and spirit across all walks of life. At Sincerity Residential Care, we honor that legacy every day by offering residents opportunities to move with intention, connect with breath, and experience the small, steady joys that support healthy aging.
July is Mental Health Awareness Month, a time to reflect on the emotional and psychological well-being of individuals across all stages of life, including those living with dementia. At Sincerity Residential Care, we recognize that mental health is not separate from physical or cognitive health. It is deeply connected, and supporting it requires compassion, patience, and personalized attention.
As research from the Hair and Care Project highlights, appearance is far from incidental in the lives of senior citizens, including those living with dementia. In fact, it’s central to a person’s identity, agency, dignity, and ongoing life story. At Sincerity, we recognize that a haircut is not just about looking good, it’s about feeling seen. That’s why we are proud to have Bettina Lawrence, a seasoned stylist with over 16 years of experience, as part of our in-house team. With a long-standing career in cosmetology and a deep commitment to helping people feel beautiful and confident, she brings both skill and compassion into every session. 
Among the many voices at our celebration, one stood out, calm, grounded, resonant. We’re honored to introduce Carol Christensen, a certified sound healer and trauma-informed sound practitioner whose work is rooted in nervous system nourishment and brainwave entrainment.