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Protect Florida Seniors Now aims to educate Floridians on the importance of enacting long-term care legislation that is specific to our unique state, but consistent with the national settlement agreement and the National Association of Insurance Commissioners (NAIC) model act.


As long-term care insurance policyholders have lived longer, insurers have seen claims drastically increase. Additionally, some estimates show as many as 30 percent of the long-term care policyholders live in Florida. Generally, life insurance companies write long-term care insurance as stand-alone policies or a rider on life insurance policies. However, currently, while health insurance companies face potential assessments in situations of insolvency, life insurance companies do not.

Moreover, should Florida not enact a private-market solution during the 2019 Legislative Session and the Florida Life and Health Insurance Guaranty Association (FLAHIGA) cap is exceeded, Florida could face a financial liability.


Fortunately, legislation that Protect Florida Seniors Now supports has been filed by Senator Jeff Brandes (R-St. Petersburg) and Representative Jason Fischer (R-Jacksonville), Senate Bill 626 and House Bill 673 respectively.

Under SB 626 and HB 673, the assessment base is broadened to include life insurance companies, as well as health insurance companies, expanding the safety net to protect against future insolvencies and ensure Florida seniors continue to have access to the benefits of long-term care insurance, without dramatic increases in their premiums. This solution is supported by interested stakeholders and industry partners.