LTC Choice

November is Long-Term Care Awareness Month — and there's no better time to separate fact from fiction. 🍂

Myth: "Medicare will cover my long-term care." Fact: Medicare covers medical care, not the day-to-day help most people eventually need — and 45% of adults believe otherwise, according to KFF.

Myth: "It probably won't happen to me." Fact: about 70% of people who reach 65 will need some long-term care, according to the U.S. Department of Health and Human Services.

Myth: "Long-term care means a nursing home." Fact: most care happens at home, often from family.

Knowing the facts is the first step to planning with confidence.

Join us for a complimentary workshop:
Wednesday, December 2, 2026, 10:00–11:30 AM
Spanish River Library, 1501 NW Spanish River Blvd, Boca Raton, FL 33431
RSVP: (561) 849-8638 / [email protected]

Family caregivers are the backbone of long-term care in America — and most of them never signed up for the job. ❤️

According to AARP and the National Alliance for Caregiving's 2025 report, 63 million Americans — nearly 1 in 4 adults — now provide care for a loved one. Many juggle jobs, kids, and caregiving all at once, and spend about $7,200 a year out of pocket on top of it.

Planning ahead isn't just about protecting savings. It's about protecting the people who would step in to care for you — giving them options, support, and a plan instead of a crisis.

Join us for a complimentary workshop:
Wednesday, December 2, 2026, 10:00–11:30 AM
Spanish River Library, 1501 NW Spanish River Blvd, Boca Raton, FL 33431
RSVP: (561) 849-8638 / [email protected]

Long-term care coverage is... peace of mind? Independence? Choice?

For a lot of families, it's all three — it's about having options and staying in control of how care happens, instead of leaving those decisions to a crisis.

What would it mean for your family? Tell me in the comments.

And if you want the plain-English version, join us for a complimentary educational workshop on Wednesday, Dec 2, 10:00–11:30 AM at Spanish River Library in Boca Raton. Hosted by Brian Hill, LTC Choice LLC. Spanish River Library does not sponsor or endorse this event.

Here's what long-term care actually costs in Florida — and most families guess far too low. 💰

According to Genworth's 2024 Cost of Care Survey, a home health aide in Florida runs about $68,640 a year. Assisted living averages around $63,885 a year. And a private room in a nursing home? Roughly $138,700 a year. Costs have been rising faster than inflation.

These are averages — not predictions, and not everyone's story. But knowing the real numbers is the first step to protecting your savings and giving your family options. Planning doesn't mean expecting the worst; it means being ready either way. 🛡️

Join us for a complimentary workshop:
Wednesday, December 2, 2026, 10:00–11:30 AM
Spanish River Library, 1501 NW Spanish River Blvd, Boca Raton, FL 33431
RSVP: (561) 849-8638 / [email protected]

Does Medicare cover long-term care? It's the most common, and most costly, misunderstanding we hear from Florida families. In most cases the answer is no: Medicare covers medical care, not the day-to-day help most people eventually need.

Our new article breaks it down in plain English: what Medicare does cover, what it doesn't, and how families actually pay for care.
https://ltcchoice.com/2026/10/does-medicare-cover-long-term-care-what-florida-families-need-to-know/

Want to talk it through in person? Join us for a free educational workshop on Wednesday, December 2 at 10:00 AM at Spanish River Library in Boca Raton. Call (561) 849-8638 to save your seat.

Spanish River Library does not sponsor or endorse this event.

You are invited! Join us for a complimentary educational seminar on long-term care planning.

Could long-term care costs derail your retirement? Get the facts, ask questions, and learn how to make informed decisions about your financial future.

Wednesday, December 2, 2026
10:00 AM - 11:30 AM
Spanish River Library, 1501 NW Spanish River Blvd, Boca Raton, FL 33431

Seating is limited - RSVP today:
(561) 849-8638
[email protected]

Hosted by Brian Hill, LTC Choice LLC. Knowledge brings peace of mind.

Myth: “My family will take care of me.” Having long-term care options can ease the emotional, physical and financial burden associated with providing care for a loved one. Bottom line?: These truths about long-term care highlight the importance of planning so we can better position ourselves and our families for the future. Ready to learn more? This Guide to Long-Term Care Planning may help: https://ow.ly/2EyQ50WUGTo

Myth: “I can’t afford long-term care protection.” Good news: All bills require us to have an income, and long-term care protection can provide the income needed to cover those expenses. Many assume it’s too expensive, but it’s likely more affordable than you think — and usually less expensive than the cost of going without.