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Florida’s 2026 Medicaid income cap is $2,982/month. If your income is higher, a Miller Trust (Qualified Income Trust) may be the only way to qualify for long-term care Medicaid. Here’s how it works.
A nursing home in Florida typically costs about $9,000 to $12,000 per month – roughly $108,000 to $144,000 per year – for a semi-private or private room at private-pay rates, with costs varying by facility and region. Medicare does not cover long-term custodial nursing-home care; for most families, long-term care Medicaid is the only government… Continue reading How Much Does a Nursing Home Cost in Florida? And How to Pay for It (2026 Guide)
To qualify for Long-Term Care Medicaid in Florida, a single applicant can have no more than $2,000 in countable assets. If you have more than that — and most people do — you need to “spend down” before applying. But spend-down is not about wasting money. Done right, it’s about converting countable assets into exempt… Continue reading Medicaid Spend Down Rules in Florida: What Counts, What Doesn’t, and How to Do It Right
For 2026, Florida’s long-term care Medicaid income limit is $2,982 per month in gross income for a single applicant (300% of the Federal Benefit Rate), with a countable asset limit of $2,000. Applicants whose income exceeds the cap can still qualify by routing their income through a Qualified Income Trust (Miller Trust). These figures change… Continue reading Florida Medicaid Income Limits 2026: What You Need to Know to Qualify
If you or a loved one needs long-term care in Florida, the question keeping you up at night is probably this: Can Medicaid take my house? The answer depends on timing, planning, and who survives you. Florida has some of the strongest homestead protections in the country, but those protections are not automatic and they… Continue reading Can Medicaid Take Your House in Florida? What Homeowners Need to Know in 2026
Understanding how to protect assets from Medicaid in Florida is crucial for families facing the potential need for long-term care. With nursing home costs averaging over $100,000 annually in Florida, Medicaid often becomes the primary funding source for extended care. However, Florida’s Medicaid program includes asset recovery provisions that can claim your estate after death,… Continue reading How to Protect Your Assets from Medicaid in Florida: 7 Legal Strategies for 2026
When facing the prospect of long-term care costs in Florida, understanding what assets are exempt from Medicaid in Florida becomes crucial for protecting your family’s financial security. Florida’s Medicaid program, which helps cover nursing home and home care costs, has strict asset limits that determine eligibility. However, not all assets count toward these limits, and… Continue reading What Assets Are Exempt from Medicaid in Florida? A Complete Guide to Countable vs. Non-Countable Assets
The core difference between a revocable and an irrevocable trust in Florida is control: a revocable (living) trust can be changed, amended, or revoked by the settlor at any time during life and offers no creditor protection, while an irrevocable trust generally cannot be altered once funded but removes assets from the settlor’s estate for… Continue reading Revocable vs Irrevocable Trusts in Florida: Key Differences, Benefits, and Which Is Right for You
When a loved one passes away in Florida, understanding florida homestead rights probate protections becomes crucial for surviving family members who want to keep the family home. Florida’s homestead laws provide some of the strongest property protections in the nation, but navigating these rights through the probate process requires careful attention to constitutional provisions, statutory… Continue reading Florida Homestead Rights in Probate: What Heirs and Surviving Spouses Need to Know
