State-by-State
Long-Term Care Funding by State
Medicaid long-term care rules, dollar thresholds, and legal tools differ meaningfully from state to state. Select a state on the map to see its rules and funding pathways.
Select a state to view its long-term care funding rules. District of Columbia is the small marker near Maryland/Virginia.
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Long-Term Care Funding in Florida
Florida runs long-term care Medicaid differently than most states: a hard income cap instead of a spend-down, a unique home-equity ceiling, a frailty-ranked waitlist for home care, and one of only five states that recognizes the Lady Bird deed. This is the Florida-specific detail behind each of the ten funding pillars.
- Florida Medicaid Long-Term Care How Florida's Institutional Care Program (ICP) and Statewide Medicaid Managed Care Long-Term Care (SMMC LTC) program work together, and which state agency decides what.
- Florida Medicaid Asset Limits Florida's 2026 income cap ($2,982/month), $2,000 asset limit, spousal protections up to $162,660, and what doesn't count against you.
- Florida Medicaid Look-Back Period Florida's 60-month look-back, how the transfer penalty is calculated using the $10,645 divisor, and which transfers are exempt.
- Florida Lady Bird Deed How Florida's enhanced life estate deed works, why it doesn't trigger a look-back penalty, and the homestead nuance most articles get wrong.
- Florida Medicaid Estate Recovery What Florida can recover after death under the Medicaid Estate Recovery Act, why homestead is usually protected, and the hardship waiver.
- Florida Nursing Home Medicaid How Florida's Institutional Care Program (ICP) works in practice: the CARES level-of-care review, patient responsibility, and application timing.
- Florida Home Care Medicaid The SMMC Long-Term Care waiver that pays for care at home — and Florida's frailty-ranked pre-enrollment list, the state's version of a waitlist.
- Florida Long-Term Care Planning Qualified Income Trusts (Miller Trusts), Medicaid asset protection trusts, DRA-compliant annuities, and spousal refusal — Florida's income-cap-state playbook.
- Florida VA Aid & Attendance Current VA Aid & Attendance pension rates, Florida's nine State Veterans' Homes, and how the benefit is treated for Florida Medicaid eligibility.
- Florida Long-Term Care Insurance (*) How the Florida Office of Insurance Regulation oversees LTC policies, the consumer protections built into state law, and the Florida LTC Partnership Program. See more details for tax incentives →
Participates in the State Long-Term Care Partnership Program.
View the full Florida guide →