How Much Home Care Will Long-Term Care Insurance Pay For in Miami?
At Miami home care rates of about $28 to $35 an hour, a long-term care insurance policy with a $150 daily benefit pays for about 4.3 to 5.4 hours of home care a day. A $6,000 monthly benefit pays for about 40 to 49 hours a week. How long the money lasts depends on your total benefit and how many hours you use. The tables below show the numbers, and our free long-term care insurance calculator works them out for your own policy.
The short answer
Hours a day your daily benefit covers = daily benefit ÷ hourly rate.
Years your benefits last = total benefit ÷ what the policy pays each year.
Using fewer hours than your maximum makes the pool last longer than the stated benefit period.
You pay for care yourself during the elimination period, often 90 days.
Our visits are at least 4 hours, at least 2 days a week (8 hours a week).
Miami home care costs at $28–$35 an hour
What home care costs in Miami at common schedules. A month is 4.33 weeks.
Care schedule | Per week | Per month |
|---|---|---|
8 hrs/week (2 visits of 4 hrs) | $224–$280 | $970–$1,212 |
20 hrs/week | $560–$700 | $2,425–$3,031 |
40 hrs/week | $1,120–$1,400 | $4,850–$6,062 |
8 hrs a day, 7 days | $1,568–$1,960 | $6,789–$8,487 |
12 hrs a day, 7 days | $2,352–$2,940 | $10,184–$12,730 |
24-hour care | $4,704–$5,880 | $20,368–$25,460 |
How many hours a day does my daily benefit cover?
Divide the daily benefit by the hourly rate. Most policies cap what they pay on each day of care, so a daily benefit stretches furthest when care is spread over more days.
Daily benefit | Hours of care a day | Hours a week (7 days) |
|---|---|---|
$100 a day | 2.9–3.6 | 20–25 |
$150 a day | 4.3–5.4 | 30–37 |
$200 a day | 5.7–7.1 | 40–50 |
$250 a day | 7.1–8.9 | 50–62 |
$300 a day | 8.6–10.7 | 60–75 |
How many hours a week does my monthly benefit cover?
Monthly-benefit policies pay up to a monthly maximum, so hours can be spread across the month however you need them.
Monthly benefit | Per week | Hours of care a week |
|---|---|---|
$3,000 a month | $692 | 19–24 |
$4,500 a month | $1,038 | 29–37 |
$6,000 a month | $1,385 | 39–49 |
$7,500 a month | $1,731 | 49–61 |
$9,000 a month | $2,077 | 59–74 |
How long will my long-term care insurance last?
Example: a policy with a $150 daily benefit and a 4-year benefit period has a pool of about $219,000 ($150 × 365 × 4). Here is how long it lasts at different schedules, with care spread over visits of 4 hours or more.
Care schedule | Cost per week | You pay per week | Benefits last |
|---|---|---|---|
8 hrs/week | $224–$280 | $0 | 15–18.8 years |
20 hrs/week | $560–$700 | $0 | 6–7.5 years |
40 hrs/week | $1,120–$1,400 | $70–$350 | about 4 years |
12 hrs a day, 7 days | $2,352–$2,940 | $1,302–$1,890 | about 4 years |
24-hour care | $4,704–$5,880 | $3,654–$4,830 | about 4 years |
Once your hours cost more than the daily cap, the policy pays its maximum every day and the pool lasts about the stated benefit period. You pay the difference privately.
What you pay during the elimination period
The elimination period is a waiting period before benefits start. These estimates assume your policy counts calendar days; some count only days you receive paid care, which takes longer.
Elimination period | 20 hrs/week | 40 hrs/week |
|---|---|---|
30 days | $2,400–$3,000 | $4,800–$6,000 |
60 days | $4,800–$6,000 | $9,600–$12,000 |
90 days | $7,200–$9,000 | $14,400–$18,000 |
The numbers on your policy schedule page
Benefit triggers: most policies start paying once a licensed health care practitioner certifies that the person needs help with at least 2 of the 6 activities of daily living (bathing, dressing, eating, toileting, transferring, continence) for 90 days or more, or has a severe cognitive impairment such as Alzheimer’s or another dementia.
Daily or monthly benefit: the most the policy pays per day or per month. Some older policies pay only part of it (often 50% to 75%) for care at home.
Total benefit (pool of money): the most the policy pays over the whole claim, often the daily benefit × 365 × the benefit period in years.
Elimination period: the waiting period before benefits start, often 0, 30, 60, 90 or 100 days.
Inflation rider: raises your benefit each year, often by 3% or 5%. Use today’s benefit from your latest statement, not the amount when you bought the policy.
Reimbursement or cash benefit: reimbursement policies pay actual care costs up to the maximum, so they need timesheets and invoices. Cash (indemnity) policies pay the maximum whatever the care costs.
Run the numbers for your own policy
Our free long-term care insurance home care calculator shows how many hours of home care your policy covers in Miami, how long your benefits will last and what you would pay out of pocket. If you have your policy as a PDF, it can read the numbers for you, and the file never leaves your device.
For dementia care specifically, see does long-term care insurance pay for in-home dementia care?
How we help with long-term care insurance claims
Golden Concierge Home Care works with families using long-term care insurance across Miami-Dade, Broward and Monroe counties. We review your policy’s home care benefits, help you start the claim, and provide the plan of care, caregiver timesheets and invoices your insurer asks for. Care can start while you complete the elimination period. Learn more on our long-term care insurance page or contact us for a free policy review.
Frequently asked questions
How many hours of home care will my long-term care insurance pay for?
Divide your benefit by the hourly rate. At Miami home care rates of $28 to $35 an hour, a $150 daily benefit covers about 4.3 to 5.4 hours of care a day, and a $6,000 monthly benefit covers about 40 to 49 hours a week.
How long will my long-term care insurance benefits last?
Divide the total benefit by what the policy pays each year. For example, a $219,000 pool ($150 a day for 4 years) paying for 20 hours of care a week at $28 to $35 an hour ($560 to $700 a week) lasts about 6 to 7.5 years.
How much does home care cost in Miami?
Home care in Miami typically costs about $28 to $35 an hour. That is about $560 to $700 a week for 20 hours of care, and about $4,850 to $6,060 a month for 40 hours a week.
What will I pay during the elimination period?
You pay for care until the elimination period ends. A 90-day elimination period with 20 hours of care a week costs about $7,200 to $9,000 at Miami rates, if your policy counts calendar days.
Does long-term care insurance cover home care in Florida?
Most long-term care policies cover care at home, and many pay the full daily or monthly benefit for it. Rules differ by policy, so check the home care section of your policy schedule, or send it to us for a free review.
Can you help me file my long-term care insurance claim?
Yes. We help you start the claim and provide the plan of care, caregiver timesheets and invoices your insurer asks for, and we keep in touch with the claims administrator. Care can start while you complete the elimination period.
What is the minimum home care schedule?
Our visits are at least 4 hours long, at least 2 days a week (8 hours a week). Many families on long-term care insurance use more hours so they can get the most from their daily benefit.
Estimates only, based on Miami home care rates of $28–$35 an hour. Your policy terms, benefit triggers and claim approval decide what is paid. Updated October 2026.
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