Long-term care is the type of professional assistance and care that people often require to perform activities of daily living which include eating, bathing, continence, dressing, toileting and transferring. Long-term care needs typically arise as part of the normal aging process, but can also be due to an injury or illness, such as a stroke, rheumatoid arthritis, or a cognitive impairment, such as Alzheimer’s disease.

No matter where you receive care, at home, in an adult day care facility, an assisted living community or a nursing home, the cost of such care is very, very expensive and is projected to increase dramatically in the future. According to a 2011 report by Life Plans Inc., a private room in a nursing home in Miami costs an estimated $ 316.00 per day or some $ 115,000.00 per year. In New York City the average is $ 440.00 per day or some $ 160,000.00 per year. 25 years from now these costs will increase three to four times today’s costs. The same report found that a semi private room in a South Florida nursing home is estimated to cost $ 258.00. Home Healthcare costs in South Florida averages $ 96.00 per day. Adult day care is $ 54.00. An assisted living facility is $ 64.00.

Long-term care (LTC) insurance is important coverage that provides valuable support and financial resources that help cover the cost of long-term care you might need in the event of an illness, accident, or through the normal effects of aging. By helping to protect your assets, and giving you choice and control over where you receive care—including in your home—LTC insurance helps you and your family face the future with confidence.

Morris & Reynolds Insurance has been providing its clients with peace of mind since 1950. We represent the world’s leading long term care insurers and can assist you create a plan that best meets your needs, reviewing various insurer’s plans and the options they offer, applying for and obtaining coverage for you and providing the service you and your family could need in the years and even decades to come.


Long-term care insurance helps pay for care services when you need help for an extended period with normal daily activities, such as eating, bathing, and moving around — activities that many of us take for granted. Long-term care insurance also covers supervision due to a cognitive impairment such as Alzheimer’s disease. A long-term care insurance policy provides for different types of care in a variety of settings:

  • Skilled care includes nursing care and physical, occupational, respiratory, and speech therapy from licensed professionals that may or may not be received on a daily basis.
  • Custodial care is the most widely used type of care, and includes help with day-to-day activities such as eating and dressing.


A long-term care insurance policy allows you to feel confident about your future and provides you with resources to help cover the cost of long-term care. The America’s Health Insurance Plans, 2007 National Survey, states the following reasons why people purchase long-term care insurance:

  • Minimize their financial exposure and take responsibility for protecting their assets.
  • Avoid being a burden to loved ones.
  • Enhance their choices and independence — to receive care in the  setting they prefer.


  • Ancillary (Voluntary/Employee Paid) Benefits
  • Annuities
  • Benchmarking
  • Benefits Administration
  • Brokerage
  • Cancer & Critical Illness
  • Commercial / Business Insurance
  • Communications
  • Compliance Consulting
  • Consulting
  • Dental Insurance
  • Employee Assistance Plans (EAP)
  • Health & Welfare Plans (Group)
  • Health / Medical Insurance
  • Healthcare Reform
  • Hospital Indemnity
  • Individual Health
  • Life Insurance
  • Long Term Care
  • Long Term Disability Insurance
  • Medicare Supplements
  • Payroll Deduction Auto & Home Insurance
  • Personal Insurance (Home, Auto, Umbrella)
  • Pharmacy Consulting
  • Plan Design
  • Plan Management
  • Pre-Paid Legal Plans
  • Provider Network Evaluation
  • Retiree Health Care
  • Retirement Plans (401k’s)
  • Short Term Disability Insurance
  • Vision Insurance
  • Wellness & Productivity


As an independent agency, not some insurance company, we offer choices from all of the leading insurers and act as your advocate and navigator through the complex world of insurance.

Morris & Reynolds represents and has access to the entire market of leading insurers. Many of our relationships with major insurers span decades and often find us in a leadership position as an advisor or agent Board member. We also offer immediate access to America’s Health Insurance Exchange, along with the professional advice and guidance needed to navigate the many insurer options in addition to providing the day to day service you need in the years to come that we’ve been known for since 1950.


Insurance rates are filed with and regulated by the State Department of Insurance. Whether you buy from Morris & Reynolds, some on line or toll free business you’ll never see, or even directly from an insurance company, you’ll pay the same premium for the coverage you purchase. This means that you can enjoy the advantages and convenience of shopping and purchasing your insurance from Morris & Reynolds’ professional people, as well as have our live, local, service available whenever you need it and rest assured that you’re getting the best available price.


Your coverage and budget goals are our sole focus. The coverage and costs that we quote, in fact all we do, is focused on you and your family. We are known as aggressive negotiators who have our clients’ best interest at heart. Always.

We also enjoy serving our clients in the most transparent manner possible and are happy to discuss and disclose our compensation and answer your questions about that important topic with you. Morris & Reynolds is a truly independent insurance agency and has been since 1950. Our focus is never on stockholders, stock prices or an insurance company preference, but our clients’ goals, dreams and desires. Always.


Let’s face it, insurance can be time consuming and frustrating. Dealing with medical providers, claims paperwork and insurers is often an experience filled with ‘red tape’, delays and frustration. Whether you or your family members have a question about your coverage, a provider, a bill or a claim we are here to help every step of the way. Our Client Advocates are here at Morris & Reynolds everyday focused on assisting you and your family with provider and claim concerns as well as the never ending ‘red tape’ involved with America’s medical ‘system’.


Your satisfaction with the insurance that we provide to you and your family is very important to us. At Morris & Reynolds Insurance we take your peace of mind to heart in all we do from the coverage that we structure, the insurers we suggest and the day to day service and care we provide to you. When you need us most, we will always be there.


At Morris & Reynolds Insurance our clients’ receive the best of both worlds. We are well known for our ‘old fashioned’, reliable and responsive service that dates to the founding of our agency in 1950.

Our Client Service Underwriters, Client Advocates and Professional Agents are deeply committed to their profession and career-long learning. Our award winning TEAM of professional people, the finest people in employee benefits and insurance, is unique to Morris & Reynolds Insurance. In order to offer our clients the very finest results possible we constantly seek improvement by way of training, performance measurement and process reviews.

Our corporate office is an approved and certified testing site for the prestigious Insurance Institute of America and their curriculum is part of our ongoing TEAM educational efforts. Morris & Reynolds Insurance is proud of the awards that TEAM members have received from a variety of industry associations and insurers, including the Florida Agent of the Year, The National Agent of the Year and The Customer Service Representative of the Year Honors to name a few.

Dental Insurance
Disability Insurance
Health Insurance
Health Care Reform
Long Term Care
Life Insurance
Medicare Supplements

Trusted Insurance

"Savings & Service Has Been Our Policy Since 1950"
14821 South Dixie Highway, Miami, Florida 33176
P 305.238.1000 | F 305.255.9643
E info@morrisandreynolds.com

Independent agent