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Key Medicaid Information for
Florida

Notice: The Florida Supreme Court has ruled that non-lawyers who engage in various Medicaid planning activities, including providing legal advice on Medicaid planning, are engaging in the unlicensed practice of law. Always use an elder law attorney.

Protections for the Community Spouse

Community Spouse Resource Allowance (CSRA):
$154,140.00
Increased CSRA:
Permitted. Florida follows the income-first rule.
Annuities:
Actuarially sound annuities are permitted.
Monthly Maintenance Needs Allowance:
Minimum: $2,555.00
Maximum: $3,853.50

Transfers

Figure used to calculate transfer penalties:
$10,438.00
Has a Long-Term Care Partnership program been implemented?
Yes

Assets

Are IRAs and other retirement plans protected (noncountable)?
Yes
State’s resource limit for Medicaid recipients:
$2,000.00

Income

Is the state an "income cap" state?
Yes
Monthly personal needs allowance for nursing home residents:
$160.00

Estate Recovery

Has the state expanded the definition of "estate" beyond the probate estate?
No
Has the state included a hardship provision in its estate recovery plan?
Yes

Home Equity Limit

The state Medicaid program will not cover long-term care services for those with home equity above this limit, with certain exceptions.
$713,000.00

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ElderLaw 101

ElderLaw 101

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Medicaid 101
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In addition to nursing home care, Medicaid may cover home care and some care in an assisted living facility. Coverage in your state may depend on waivers of federal rules.

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How to Qualify for Medicaid

To be eligible for Medicaid long-term care, recipients must have limited incomes and no more than $2,000 (in most states). Special rules apply for the home and other assets.

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Medicaid’s Protections for Spouses

Spouses of Medicaid nursing home residents have special protections to keep them from becoming impoverished.

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In addition to nursing home care, Medicaid may cover home care and some care in an assisted living facility. Coverage in your state may depend on waivers of federal rules.

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How to Qualify for Medicaid

To be eligible for Medicaid long-term care, recipients must have limited incomes and no more than $2,000 (in most states). Special rules apply for the home and other assets.

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Medicaid’s Protections for Spouses

Spouses of Medicaid nursing home residents have special protections to keep them from becoming impoverished.

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Careful planning for potentially devastating long-term care costs can help protect your estate, whether for your spouse or for your children.

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Estate Recovery: Can Medicaid Take My House After I’m Gone?

If steps aren't taken to protect the Medicaid recipient's house from the state’s attempts to recover benefits paid, the house may need to be sold.

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Understand when and how a court appoints a guardian or conservator for an adult who becomes incapacitated, and how to avoid guardianship.

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Distinguish the key concepts in estate planning, including the will, the trust, probate, the power of attorney, and how to avoid estate taxes.

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Learn about grandparents’ visitation rights and how to avoid tax and public benefit issues when making gifts to grandchildren.

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Understand when and how a court appoints a guardian or conservator for an adult who becomes incapacitated, and how to avoid guardianship.

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Understand the ins and outs of insurance to cover the high cost of nursing home care, including when to buy it, how much to buy, and which spouse should get the coverage.

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Learn who qualifies for Medicare, what the program covers, all about Medicare Advantage, and how to supplement Medicare’s coverage.

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