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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 …

A lot of people keep a home up north and spend the winter in Florida. The plan does not have a special snowbird rate. It uses one test: where is the legal residence, and did the person die 75 miles or more from that place? Legal residence is the full-time home. If someone lives in Florida for 180 days or more in the year before they die, Florida can count as the legal residence even if the paperwork still shows a northern address. In that case, dying in Florida would not be “away from home.” Dyi …

The plan pays to bring someone home only if they die 75 miles or more from their legal residence. Dying at home does not qualify. A trip across town does not qualify. Legal residence is the place they actually live full time, not a mailing address or a house they own but do not live in. If they have lived somewhere else for 180 days or more in the year before they die, that address counts instead. A nursing home counts the same way after 180 days. Another country counts too, even when the mileag …