Florence, Alabama families have worked hard to build their lives in the beautiful Shoals region, from UNA careers to healthcare service at North Alabama Medical. Long-term care insurance protects your Florence lifestyle, home equity, and family legacy from the devastating financial impact of extended care needs while ensuring access to quality care.
Florence Area Long-Term Care Facilities
- North Alabama Medical Center - Hospital-based care and rehabilitation
- Shoals Hospital - Skilled nursing and rehabilitation services
- Eliza Coffee Memorial Hospital - Healthcare and rehabilitation
- Life Care Center of Florence - Long-term care and skilled nursing
- Home Health Services - In-home care throughout Lauderdale County
- Adult Day Programs - Community-based support services
Current Florence Area Care Costs (2024)
- Nursing Home (Private Room): $75,000 - $95,000 annually
- Nursing Home (Semi-Private): $65,000 - $80,000 annually
- Assisted Living: $35,000 - $50,000 annually
- Home Health Aide: $40,000 - $55,000 annually (full-time)
- Adult Day Care: $15,000 - $20,000 annually
Important: These costs increase 3-5% annually and can quickly exhaust retirement savings built over decades at UNA, North Alabama Medical, or other Florence employers.
University of North Alabama Employees
Healthcare Professionals
Alabama Medicaid Long-Term Care Rules
- Asset limits: $2,000 individual, $3,000 couples (excluding home and one vehicle)
- Income limits: Varies based on care level and family situation
- Look-back period: 5 years for asset transfers
- Home protection: Limited protection for community spouse
- Recovery: Alabama may recover costs from estates