Florida Long-Term Care Planning: Costs, Options, and Legal Tools Families Need
Minnetonka, United States - November 28, 2025 / Roulet Law Firm, P.A. /
Sarasota, FL — Roulet Law, P.A., a leading elder law and estate planning firm in Sarasota, has released a new educational resource to help families protect assets and prepare for the growing financial challenges of long-term care. The article, titled “Florida Long-Term Care Planning: Costs, Options, and Legal Tools Families Need,” outlines how Sarasota and Venice residents can reduce risks, secure Medicaid benefits, and safeguard their future.
“Many people believe Medicare will cover long-term care, but it simply doesn’t,” says Attorney Chuck Roulet. “Without a plan, families may lose their savings or even their home to nursing home expenses. Planning ensures protection, peace of mind, and better care options.”
Why Long-Term Care Planning Matters in Sarasota & Venice
The newly released guide underscores the rising cost of elder care across Florida’s Gulf Coast.
Nursing home care in Sarasota often exceeds $9,000 per month.
Assisted living in Venice typically ranges from $3,500 to $5,000 per month.
Home health services can cost $4,500 to $5,500 per month.
According to the Genworth Cost of Care Survey, a private room in a Florida nursing home now costs over $117,000 per year, a financial burden that can quickly deplete savings and retirement assets. The guide stresses that working with a long-term care planning attorney in Sarasota, FL, is essential for families who want to avoid crisis-driven decisions.
Medicaid Planning & Elder Law Strategies
The article explains how Medicaid planning helps families qualify for benefits while legally protecting assets. Key strategies include:
Restructuring assets to meet eligibility guidelines
Applying spousal protections to prevent impoverishment of the healthy spouse
Navigating Medicaid’s strict five-year look-back period
“Waiting until a health emergency limits your options,” Roulet says. “Planning early gives families a wider range of tools to preserve assets and ensure quality care.”
Legal Tools Florida Families Should Consider
The guide highlights several powerful legal instruments that Sarasota and Venice families can use:
• Irrevocable & Living Trusts
Provide asset protection, probate avoidance, and future care planning benefits.
• Life Estate Deeds
A Florida favorite that protects the homestead while ensuring it passes directly to chosen heirs.
• Long-Term Care Insurance
An option that can significantly reduce the financial burden when purchased early and correctly.
Common Mistakes to Avoid
Roulet Law, P.A. warns that families often make preventable errors, such as:
Delaying planning until a medical crisis
Relying on Medicare, which doesn’t cover long-term care
Using generic online legal forms that don’t follow Florida elder law requirements
These mistakes can lead to Medicaid penalties, lost assets, and reduced care options.
Serving Sarasota, Venice, and Beyond
Although focused on Florida’s Gulf Coast, the principles of early planning apply to families nationwide. Roulet Law, P.A. also supports clients in Minnesota, including Bloomington, Golden Valley, and St. Louis Park, who face similar long-term care challenges.
About Roulet Law Firm, P.A.
Roulet Law, P.A. is a Sarasota-based estate planning and elder law firm dedicated to helping families protect assets, reduce long-term care expenses, and plan confidently for the future. The firm designs personalized legal strategies, including wills, trusts, Medicaid planning, and probate-avoidance solutions, for clients across families in Florida and Minnesota.
Ready to protect what you’ve worked hard to build? Request a consultation today through our website contact form, and a member of our team will reach out to schedule a time that works for you.
Contact Information:
Roulet Law Firm, P.A.
601 Carlson Pkwy Suite # 1050
Minnetonka, MN 55305
United States
Chuck Roulet
(763) 420-5087
https://www.rouletlaw.com/
