TheSmart Way to Payfor Long-Term Care™
Clear answers. A brighter tomorrow.
In just a few minutes, get a personalized summary of your long-term care options in Florida — including what each option covers, what you may still pay, and what to watch for.
- Takes just a few minutes
- Personalized to your situation
- Clear, easy to understand
- No obligation and no contact information required
When someone you love needs long-term care, it is easy to assume the choices are simple: pay the bill yourself until the money is gone, or somehow qualify for Medicaid. The reality can be very different. Medicaid, PACE, veterans benefits, long-term-care insurance, tax deductions, spousal protections, and legal planning can all affect how much a family ultimately has to pay.
Zacharia Frey is a Florida elder law firm. Three decades of helping families work out how to pay for long-term care — and founding partner Carl B. Zacharia wrote Florida Long-Term Care and Medicaid.
Before we start
Let’s look at the whole picture.
We are Zacharia Frey, a Florida elder law firm. For about thirty years we have helped families work out how to pay for long-term care, and founding partner Carl B. Zacharia wrote Florida Long-Term Care and Medicaid because the same questions kept coming up. We’ll ask a few simple questions so we can show you which payment options and planning issues may deserve your attention.
One thing first, because it matters: we are a law firm, but we are not your law firm. What follows is educational guidance only. It doesn’t determine eligibility for anything, and it doesn’t make you our client.
- Read the explanations
Free. No name or contact information required.
- Ask Carl a question
A public answer at askcarlzac.com
- Meet with the firm
Private, and about your own facts
This is general educational information, not legal advice. Using this tool and submitting a form do not create an attorney-client relationship, and nothing here determines whether anyone qualifies for Medicaid, veterans benefits, PACE, a tax deduction, or insurance coverage. Zacharia Frey PLLC is a Florida elder law firm and a member firm of The Florida Bar. It is speaking here as an educator, not as your lawyer: this page gives general information, not legal advice about your situation, and using it does not create an attorney-client relationship.

