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There is no separate Florida plan. Where the person really lives is what matters. Legal residence is the full-time home. If someone stays at a Florida address for 180 days or more in the 12 months before they die, that Florida address becomes the legal residence, even if a northern address is still on the form. Dying in that Florida home would not qualify. Dying 75 miles or more from it would, including a trip up north or a cruise. Buy the plan from the legal residence, not while you are already …