Rehabilitation and Nursing Care in Sunrise, Broward County, Plus the Medicaid Planning That Protects Your Family
Choosing care for someone you love is one of the hardest decisions a family makes, and the worry about how to pay for it can keep you up at night. Here is the part that brings the most relief to know early. Medicare covers only a short, rehab-focused stay, so families who need months of nursing care at Sunrise Health & Rehabilitation Center usually turn to Florida Medicaid to carry the cost. Whether a loved one qualifies comes down to three things, their income, their countable assets, and how any recent gifts or transfers look under Medicaid's five-year look-back. With the right plan, you can protect far more than most people expect, even after a parent has already moved in.
Sunrise Health & Rehabilitation Center is located at 4800 N. Nob Hill Rd., Sunrise, FL 33351, in Broward County. It is a 237-bed skilled nursing and rehabilitation facility that has served the community since 1983 and participates in both Medicare and Medicaid. Get directions.
Placing a loved one in a nursing home or care facility can weigh heavily on your heart, and it is normal to feel anxious about whether they will be well cared for. Touring more than one facility is always wise. The team at Sunrise Health & Rehabilitation knows that struggle well and may be worth a visit as you compare your options.
Sunrise offers short-term and long-term care, skilled nursing, and memory care for a range of health needs. Its staff work to give residents a homelike environment, steady supervision, and a compassionate approach to daily living. You can schedule an appointment or take a virtual tour of the facility. From there, the planning decisions below can protect the financial benefits your family may be missing.
How Florida Law Treats Long-Term Care Costs
Long-term care patients often run up thousands of dollars in bills even with Medicare, because Medicare coverage runs out quickly. Medicare Part A pays for skilled nursing only after a qualifying three-day hospital stay, and only for up to 100 days per benefit period. Days 1 through 20 are fully covered. As of 2026, for days 21 through 100 you pay a coinsurance of $217 per day (up from $209.50 in 2025), and after day 100 you pay everything. These figures come from CMS 2026 Medicare skilled nursing facility costs.
That gap is why Florida Medicaid matters. Its Institutional Care Program (ICP) is the pathway that actually pays for long-term nursing home care, and unlike some programs it is an entitlement, so there is no waitlist once you qualify. Here is how the Florida Medicaid long-term care programs compare.
To qualify for ICP in 2026, a single applicant generally must meet the following requirements.
- Gross monthly income below $2,982 (the 300% federal benefit rate cap, effective 2026)
- Countable assets under $2,000
- A documented nursing-home level of care
The income and asset limits come from the Florida Department of Children and Families (Medicaid).
Supporting Legal Details
Two rules trip up families more than any others, and both are worth knowing before you apply.
The first is the five-year look-back. When you apply, Florida reviews the previous 60 months of financial records. Under 42 U.S.C. § 1396p(c), any gift or transfer for less than fair market value during that window can create a penalty period during which Medicaid will not pay. This is the rule that surprises people who gave money to a child or grandchild in good faith. One important point is that the look-back does not mean you must wait five years to plan. Most families who come to us need Medicaid within months, not years, and there are lawful ways to protect assets on that timeline.
The second is the income cap. Florida is an income-cap state, so earning even a dollar over $2,982 a month can disqualify an applicant, no matter how high the care bills are. The fix is a Qualified Income Trust, also called a Miller Trust, authorized under 42 U.S.C. § 1396p(d)(4)(B). Excess income is deposited into the trust each month and used for approved expenses. It has to be set up before the month you seek eligibility, because Florida does not allow it retroactively.
A Medicaid planning attorney from Elder Needs Law can walk you through the 60-month look-back period and structure a plan that fits your family's actual timeline.
Why Early Planning Pays Off
Three current data points show why families act sooner rather than later.
- Florida nursing home care can now run more than $10,000 per month. At that rate, even a modest estate can be spent down in under two years, which is the core reason to plan before a crisis. The Genworth Cost of Care Survey puts the national semi-private nursing home median near $115,000 a year, with Florida running higher.
- A married applicant's spouse can keep up to $162,660 in assets under the 2026 Community Spouse Resource Allowance. That protection only works if it is claimed correctly, so it matters early.
- The community spouse can also keep a monthly income allowance of up to $4,066.50 in 2026, which keeps the at-home spouse financially stable while the other receives care.
Each of these is money that families routinely leave on the table when they wait until admission day to seek advice.
Serving Sunrise and Broward County
Elder Needs Law helps families across Florida, with attorneys who handle Medicaid and estate planning matters throughout Broward County, including Sunrise, Plantation, Fort Lauderdale, Tamarac, and the surrounding communities. Working with a Florida attorney who knows how the local Department of Children and Families offices and CARES assessments operate can make a Medicaid application move faster and with fewer denials.
Our Plantation office serves Broward County families and sits a short drive from Sunrise Health & Rehabilitation Center, and we meet clients across the region by appointment. Wherever you are in Florida, we can begin your plan remotely and keep the process simple.
Estate Planning With Long-Term Care in Mind
Much goes into building a long-term care plan for someone you love. You weigh the type of care that matters, the best facilities, and above all the cost. Care is not getting cheaper, and without a plan a family can deplete retirement savings and other assets fast. Our team at Elder Needs Law PLLC can help you build a plan that lets a loved one live comfortably, maximize benefits, and keep more money in the family. Here are a few of the services we provide.
Medicaid Planning
Owning assets can knock a person out of Medicaid eligibility, but that does not have to be the end of the road. Our Medicaid planning lawyers work with you to put lawful strategies in place that shelter assets from consideration and help a loved one qualify for coverage.
Guardianship
Guardianship is the legal authority to act for someone who can no longer act for themselves, granted by the court and generally used as a last resort. Our guardianship attorneys can work with the courts to help you gain that authority and put your mind at ease. In many cases, a well-drafted power of attorney set up ahead of time can avoid the need for guardianship altogether.
Estate Planning
It is never too early to start an estate plan, though it can become too late. When a loved one passes without a clear plan, Florida probate courts decide how a house, bank account, or car is divided, rather than the family. A plan keeps those choices in your hands.
Key Takeaways
- Sunrise Health & Rehabilitation Center is a 237-bed skilled nursing and rehabilitation facility in Sunrise, Broward County, offering short-term rehab, long-term care, and memory care, and participating in Medicare and Medicaid.
- Medicare covers skilled nursing only up to 100 days per benefit period, with a $217 per day coinsurance for days 21 to 100 in 2026.
- Florida Medicaid's ICP is the program that pays for long-term nursing home care, with a 2026 income cap of $2,982 per month and a $2,000 countable-asset limit for single applicants.
- The five-year look-back reviews past transfers, but it does not force you to wait five years to plan.
- A married couple can protect up to $162,660 for the at-home spouse, and being over the income cap is fixable with a Qualified Income Trust.
Frequently Asked Questions
Q. Will Medicare pay for a long stay at Sunrise Health & Rehabilitation Center?
A. Only for a limited time. Medicare Part A covers skilled nursing up to 100 days per benefit period after a qualifying three-day hospital stay, with a $217 per day coinsurance for days 21 to 100 in 2026 and no coverage after day 100. For longer stays, families generally rely on Florida Medicaid.
Q. What are the 2026 Florida Medicaid limits for nursing home care?
A. A single ICP applicant generally needs gross monthly income under $2,982 and countable assets under $2,000, plus a nursing-home level of care. These figures adjust each January with the Social Security cost-of-living change.
Q. My mother gave money to her grandchildren recently. Did that ruin her chances?
A. Not necessarily. Under 42 U.S.C. § 1396p(c), transfers within the past 60 months can create a penalty period, but the amount and timing matter, and lawful planning strategies can often reduce or work around the impact. Have the transfers reviewed before you apply.
Q. My father's income is over the limit. Is he simply disqualified?
A. No. Florida is an income-cap state, but a Qualified Income Trust (Miller Trust) lets applicants over the $2,982 cap still qualify. It must be set up before the month you seek eligibility, so timing is important.
Q. Can we still protect assets if a parent is already living at the facility?
A. Often yes. Many families we help need Medicaid within months, and there are lawful ways to protect assets even after admission. The sooner you get advice, the more options remain on the table.
Talk With a Florida Elder Law and Medicaid Planning Attorney
Planning for a stay at Sunrise Health & Rehabilitation Center is easier when you take three steps in order. First, gather a clear picture of income and assets so you know where you stand against the 2026 limits. Second, list any gifts or property transfers from the past five years so nothing surprises you during Medicaid review. Third, speak with a Medicaid planning attorney who can build a plan around your family's real timeline. The one document worth having ready for that first conversation is a recent set of bank statements, since that is what Florida Medicaid examines most closely. Do this now and you protect what your family has worked for, instead of watching it go to nursing home bills that careful planning could have prevented. The elder law attorneys at Elder Needs Law help families across Florida plan for the next stage of life with their assets and their peace of mind intact.
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