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Medicaid Planning · Florida

Florida Medicaid look-back rules

Medicaid look-back rules rules for Florida.

Published: September 4, 2026. Last checked: September 5, 2026.

Look-back period

60 months before the month of application

Source: Florida Administrative Code rule 65A-1.712 [state-medicaid-agency] — Latest final adopted rule effective January 12, 2020

Transfer-penalty divisor

$10,645 per month

Source: Florida DCF Appendix A-9 SSI-Related Medicaid Financial Eligibility Standards [state-medicaid-agency] — April 2026 standards chart; transfer-of-asset divisor marked April 1, 2025

How the state administers the rule

For transfers on or after November 1, 2007, Florida totals uncompensated transfers, divides by the average nursing-home cost without rounding down, converts a fractional month to days using 30 days, and starts the penalty on the latest of the transfer date, the date the person otherwise qualifies for long-term-care Medicaid, or the end of an existing penalty period.

Source: Florida DCF Appendix A-8 Transfer Penalty Determination Process [state-medicaid-agency] — Current process for post-DRA transfers made on or after November 1, 2007

Sources

Methodology & sources

Checked at least annually and whenever the state publishes a new transfer-penalty divisor or administration rule.

General information, not legal advice.