Because Florida runs its long-term care Medicaid programs on a hard income ceiling, planning here has to start with that number: gross monthly income above $2,982 (2026, for an individual) disqualifies an applicant outright, with no spend-down escape hatch. The standard workaround is a Qualified Income Trust — often called a Miller Trust — which is explicitly authorized under Florida Administrative Code Rule 65A-1.713. Once excess income is deposited into the trust, it's excluded from the eligibility math. Full income and asset thresholds are covered on the asset-limits page for this state.
Florida · Planning Ahead