Summary

Jordan Hale in Florida has confirmed savings of $120,000.00. The facility costs $5,000.00 each month, and this plan assumes it rises 4% a year (your figure). Monthly income counted in this plan: none, because it was left missing. On those figures the money covers 23 months of bills in full, through August 2028. After that, the September 2028 bill would be short by $2,400.00.

care-cost inflation assumed: 4%/yr, your figure.

The three things to do this month are:

1. Compare this snapshot with the statements in front of you.
2. Ask any facility, before you sign, whether it accepts Medicaid after private pay and after how long.
3. Write down questions for the attorney while the figures are still the ones you confirmed.

Dates to act on

Medicaid planning works best when it starts well before the money runs short. These dates come from the frozen snapshot of the figures you confirmed.

1. NowBook an elder-law attorney licensed in Florida, and bring the attorney page from this report. Before signing with any facility, ask whether it accepts Medicaid after private pay, and after how long.
2. September 1, 2027About 12 months of money left. Twelve months before September 2028, the month the money runs short on this plan. If an elder-law attorney is not involved yet, this is the time.
3. March 1, 2028About 6 months of money left. Six months before September 2028, the month the money runs short on this plan. This date is the 1st of that warning month.
4. September 1, 2028The money runs short this month. On the figures confirmed for this plan, the money no longer covers the full facility bill in September 2028.

Look-back window

Medicaid reviews gifts and transfers made in the 60 months before an application for long-term care. If an application went in during September 2028, that review would reach back to September 2023. No transfers were entered here, so nothing is estimated and no date is on the calendar. Ask the attorney before any gift or transfer.

Quarterly re-check

These are the re-checks for the 12 months included with the license.

• January 12, 2027. Re-check the confirmed figures. Update the balances and the facility cost, then run the planner again.
• April 12, 2027. Re-check the confirmed figures. Update the balances and the facility cost, then run the planner again.
• July 12, 2027. Re-check the confirmed figures. Update the balances and the facility cost, then run the planner again.
• October 12, 2027. Re-check the confirmed figures. Update the balances and the facility cost, then run the planner again.

Runway chart

If the facility cost rises slower or faster

The yearly increase is the one number here that nobody knows in advance. This is the same plan at two points lower and two points higher.

Month by month

Medicaid and this plan

This plan does not estimate when Medicaid could start, and it does not say whether your parent qualifies. Those answers depend on Florida rules that an elder-law attorney applies to your parent's whole situation.

What the plan gives that attorney is a clean starting point: the confirmed savings, the monthly cost and income, and the month the money runs short on those figures.

Medicaid reviews gifts and transfers made in the 60 months before an application. No transfers were entered, so nothing is estimated. Ask the attorney before any gift or transfer.

A spouse, a home, and other property were not entered. Each can change the answer, and the attorney will ask about them.

Action checklist

Now

• Compare this snapshot with the statements in front of you.
• Ask any facility, before you sign, whether it accepts Medicaid after private pay and after how long.
• Write down questions for the attorney while the figures are still the ones you confirmed.

Next 60 days

• Book an elder-law attorney in the state named on this report.
• Ask that attorney about transfers in the last 60 months. This report has no transfer list, so it calculates no look-back penalty.
• Ask before giving assets away. A gift can change the timeline, and this report does not model gifts.

At application

• Ask the attorney when an application should go in, and what has to be true by then.
• Bring the account list, the facility cost, and the inflation rate you typed.

Take this report to an elder-law attorney. The questions to ask are on the last page.

Facility continuity

Not every facility accepts Medicaid, and some expect a period of private pay first. Ask these questions before signing anywhere, so a move is not forced later.

• Do you accept Medicaid after private pay? After how long?
• Ask whether a private-pay period is required before a Medicaid bed, and how long that period is.
• How much did your monthly rate go up last year, and when do rates change?

What this plan leaves out

• Monthly income was left missing. Nothing was filled in as zero. This table spends the facility cost and adds no income, so the months shown are a lower bound. Social Security, a pension, or other income would make the money last longer.
• Other monthly expenses were not entered and are not subtracted: insurance premiums, prescriptions, personal items, taxes. Real expenses would make the money last a shorter time.
• Only the account balances you entered are counted. A home, a vehicle, and other property are not part of this table.
• No gifts or transfers were entered, so no look-back penalty is estimated. Medicaid reviews transfers made in the 60 months before an application.
• A spouse was not entered. The rules for married couples are different, and this plan does not apply them.
• Which Medicaid income rules apply, and whether an income trust (often called a Miller trust) is needed, are questions for the attorney. This plan does not answer them.
• This plan does not estimate when Medicaid could start, and it does not say whether your parent qualifies. It prints no Florida dollar limit. Those are for an elder-law attorney licensed in Florida.

Attorney hand-off

Your parent, Jordan Hale. Confirmed October 12, 2026 at 5:32 AM. Florida. This plan carries no state dollar figures, so none are printed here.

Accounts in the liquid total

• Harbor Checking (made up): $120,000.00

Liquid total: $120,000.00.

Facility cost: $5,000.00 per month.

Monthly income: Left missing.

care-cost inflation assumed: 4%/yr, your figure.

The engine's month-by-month table reaches a zero or negative balance in September 2028.

This plan does not estimate when Medicaid could start.

Scan figures, not added to the liquid total

None.

Questions to ask

1. Do you accept Medicaid after private pay? After how long? (For the facility.)
2. Which Medicaid income rules apply to my parent? This report does not say.
3. Is an income trust (a Miller trust) required? This report does not say.
4. Were there gifts or transfers in the last 60 months that matter? None were entered here.
5. Does a spouse change which asset limit applies? No spouse was entered here.
6. Which assets are exempt for this household: the home, a vehicle, a funeral arrangement, personal effects?
7. When should an application go in, given the dates on this report?