As we get older, we may need long-term care. For seniors residing in Florida, Medicaid can be a crucial resource in terms of financial assistance for assisted living. However, meeting the Medicaid qualifications can be quite demanding. In this post, we’ll explore the criteria Florida seniors need to meet for Medicaid in assisted living facilities.
Florida Medicaid Qualifications for Assisted Living
Age and Citizenship Requirements
Seniors must be at least 65 to qualify for Medicaid in Florida. They must be U.S. citizens or qualified non-citizens with legal status.
Financial Eligibility
Your income and assets determine eligibility for Medicaid in Florida. The income limit for seniors seeking Medicaid assistance in an ALF was $2,742 monthly as of March 2023. However, income limits change over time. It is important to check the current limits when you apply.
Asset Limits
There is an asset limit of $2,000 per individual to qualify for Medicaid in an assisted living facility. However, that covers countable assets. Assets like your home, personal belongings, and one vehicle usually do not count. Consult with experts to understand the current asset limits.
Waiver Programs
Florida has various Medicaid waiver programs. One of them is the Home and Community-Based Services (HCBS) waiver. It offers services to seniors so they can receive care in their homes or assisted living facilities. With these waivers, seniors can maintain their independence and quality of life. Eligibility for waivers often includes financial need and medical necessity.
Applying for Medicaid
To apply for Medicaid in Florida, contact the Florida Department of Children and Families (DCF) or visit your local DCF office. The application process involves submitting detailed financial and medical information.
Look-Back-Period
Florida has a look-back period of five years. The government reviews financial transactions from the look-back period. The purpose is to ensure applicants do not make transactions to hide assets from the state. For example, a person might sign a spare car over to a relative to avoid counting it as an asset. If the review finds any of these transfers, it could result in a penalty. It usually means you won’t be able to qualify for longer.
Spousal Impoverishment Rules
For married individuals, Florida has spousal impoverishment rules. These rules protect a certain income level and assets for the spouse not applying for Medicaid.
The Medicaid qualification process can be daunting, especially for assisted living facility care. Seeking guidance from elder law attorneys or Medicaid consultants can be very helpful.
