A Qualified Income Trust, commonly known as a Miller Trust, is a legal tool used to help individuals qualify for Medicaid when their income exceeds Ohio’s eligibility limits. For many seniors, excess income alone can prevent Medicaid approval—even when assets are otherwise within limits. An experienced elder law attorney in Cincinnati can determine whether a Qualified Income Trust is the right solution.
Miller Trust
A Qualified Income Trust (QIT), or Miller Trust, is designed specifically to address Medicaid income eligibility issues. In Ohio, Medicaid imposes strict income limits for long-term care benefits. When an applicant’s monthly income exceeds those limits, a Miller Trust can allow eligibility by redirecting excess income into the trust.
Trust Considerations
Income placed into a Qualified Income Trust is not counted toward Medicaid eligibility, provided the trust is drafted and administered correctly. However, the rules governing Miller Trusts are highly technical. The trust must be irrevocable, properly funded, and used only for approved expenses such as patient liability, medical costs, and certain living expenses.
Avoiding Medicaid Denial
Improper setup or administration of a Miller Trust can result in Medicaid denial or termination of benefits. Common mistakes include depositing the wrong income, failing to disburse funds correctly, or using trust funds for non-approved expenses. An elder law attorney ensures compliance with Ohio Medicaid rules and prevents costly errors.
Qualified Income Trust
A Qualified Income Trust is often part of a broader Medicaid and long-term care planning strategy. Asset protection, spend-down planning, and proper estate planning documents must work in coordination with the trust to ensure ongoing eligibility and financial stability.
For individuals whose income exceeds Medicaid limits, a Miller Trust can be the key to accessing essential long-term care benefits. Krugler Law offers free consultations for Qualified Income Trust and Medicaid income planning in Cincinnati and surrounding areas. Call (513) 916-1600 today to determine whether a Miller Trust can help you qualify for Medicaid.