---
title: "Florida Long-Term Care Planning | Funding LTC Marketplace"
url: https://fundingltcmarketplace.com/states/florida/long-term-care-planning/
description: "Florida LTC planning for an income-cap state: Qualified Income (Miller) Trusts, asset protection trusts, Medicaid-compliant annuities and spousal refusal."
last_updated: 2026-10-20
author: George A. Mellendorf, CLTC, LTCP (Central States Insurance Services, Inc.)
publisher: Funding LTC Marketplace
note: Educational content; not legal, tax or financial advice. Markdown copy of the HTML page at the URL above.
---
Florida · Planning Ahead

# Florida Long-Term Care Planning

Last updated 2026-10-20

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 figures

- Individual income cap (2026): $2,982/month

## Sources and official resources

- [Florida DCF: ESS Program Policy Manual](https://www.myflfamilies.com/services/public-assistance/additional-resources-and-services/ess-program-manual/)
- [CMS: 2026 SSI and Spousal Impoverishment Standards](https://www.medicaid.gov/federal-policy-guidance/downloads/cib04272026.pdf)

Rules and figures change. Confirm current details with the agency before you act.

[← Back to the full Florida guide](https://fundingltcmarketplace.com/states/florida/)