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/nav class="breadcrumbs" aria-label="Breadcrumb">/a href="index.html">Home//a>/span class="sep">///span>/span class="current">Miller Trust (Qualified Income Trust)//span>//nav>
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/span class="mt-eyebrow">Miller Trust Document Drafting, KY, IN & OH//span>
/h1 class="mt-headline">Miller Trust /span style="color:var(--rose-dark)">(Qualified Income Trust)//span>//h1>
/p class="mt-sub">A Miller Trust is a tool that lets someone whose income is over the Medicaid limit still qualify for long-term-care Medicaid, so a parent or spouse can get the care they need without the whole family scrambling.//p>
/p class="mt-sub" style="font-size:15px;background:#fff;border-left:4px solid var(--rose);border-radius:6px;padding:14px 18px;max-width:660px">/strong>My role is simple: I draft the trust document, nothing else.//strong> I don’t do Medicaid planning, eligibility, the application, or the funding. That work stays with your Medicaid planner or adviser, and I’m glad to point you to trusted partners who handle it.//p>
/div class="mt-hero-ctas">
/a href="mailto:millertrust@cooperlawky.com?subject=Miller%20Trust%20%E2%80%94%20Get%20Started" class="btn btn-rose">Get your Miller Trust//a>
/a href="https://forms.office.com/Pages/ResponsePage.aspx?id=aqzFmka7cE-8P9yT98n5C_Uer7_CHshOv9oS5CjKtBhUMjJMU0YxUTNEMzJHOU0zVFRWUjg2WlpFUC4u" target="_blank" rel="noopener" class="btn btn-outline">Refer a client / partner with us//a>
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/!-- THE CORE DISTINCTION -->
/section class="section">
/div class="container">
/span class="mt-eyebrow">Start here//span>
/h2 class="mt-h2">A Miller Trust solves an /em style="font-style:normal;color:var(--green)">income//em> problem, not an /em style="font-style:normal;color:var(--rose-dark)">asset//em> problem.//h2>
/p class="mt-lead">This is the whole point, and it’s where most confusion starts. Two families can both be told “you make too much for Medicaid” and need two completely different tools. Find yourself below.//p>
/div class="mt-decision">
/div class="mt-card mt-card-income">
/span class="mt-card-tag">If your problem is income//span>
/h3>“My monthly income is over the limit.”//h3>
/p>Your Social Security, pension, and other monthly income add up to more than Medicaid allows, even though you clearly can’t afford the cost of care on your own. The income is the only thing standing in the way.//p>
/p class="mt-tool">→ You need a Miller Trust (Qualified Income Trust).//p>
//div>
/div class="mt-card mt-card-asset">
/span class="mt-card-tag">If your problem is assets//span>
/h3>“I have too much in savings or property.”//h3>
/p>The issue isn’t your monthly check. It’s the house, the savings, the CDs, the land. That’s a resource problem, and a Miller Trust won’t fix it.//p>
/p>/a class="mt-tool-link" href="blog/long-term-care-estate-planning.html">→ You likely need a Medicaid Asset Protection Trust//a>, a different, irrevocable tool with a /strong>5-year lookback//strong>, so timing matters.//p>
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/span class="amt">≈ $2,982 / month//span>
/p>In 2026, the long-term-care Medicaid income limit for an individual is approximately /strong>$2,982 per month//strong>. Because this limit is set at the federal level (it’s 300% of the SSI benefit rate), it’s the /strong>same in Kentucky, Indiana & Ohio//strong>. It changes every year, so treat it as a current estimate, not a fixed rule. If your monthly income is above the limit, even by a little, a Miller Trust may be exactly what lets you qualify.//p>
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/span class="mt-eyebrow">How it actually works//span>
/h2 class="mt-h2">What a Miller Trust does, and what it doesn’t.//h2>
/p class="mt-lead">In plain English: your income over the cap gets deposited into an irrevocable trust each month and held in a separate account. Because that money now flows through the trust, it no longer counts against your Medicaid eligibility.//p>
/div class="mt-twocol">
/div class="mt-col">
/h4>What it does//h4>
/ul class="mt-list yes">
/li>Redirects the income /em>over//em> the cap into an irrevocable trust so it no longer counts against Medicaid eligibility//li>
/li>Is funded monthly, the excess income is deposited each month//li>
/li>Is held in a separate, dedicated account set up for the trust//li>
/li>Lets someone who otherwise qualifies actually get approved for long-term-care Medicaid//li>
//ul>
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/div class="mt-col">
/h4>What it does /u>not//u> do//h4>
/ul class="mt-list no">
/li>Does /strong>not//strong> protect your assets//li>
/li>Does /strong>not//strong> avoid or lower the asset / resource limit//li>
/li>Is only needed in income-cap states, Kentucky, Indiana & Ohio//li>
/li>Is /strong>not//strong> the right tool if your real issue is savings or property. That’s a /a href="blog/long-term-care-estate-planning.html" style="color:var(--rose-dark);font-weight:500">Medicaid Asset Protection Trust//a>//li>
//ul>
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/span class="mt-eyebrow">Who needs one//span>
/h2 class="mt-h2">Is a Miller Trust right for you or your client?//h2>
/div class="mt-who">
/p>A Miller Trust is for someone /strong>applying for nursing-home or home-and-community-based-waiver Medicaid//strong> whose /strong>monthly income exceeds the limit//strong>, but who /strong>otherwise qualifies//strong>. If income is the only barrier standing between a person and the care they need, this is very often the missing piece. Your Medicaid adviser will usually have already identified income as the barrier; if there’s any question, a quick call confirms the Miller Trust is the right document before the application goes in.//p>
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/!-- KEY FACTS -->
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/span class="mt-eyebrow">Key facts//span>
/h2 class="mt-h2">Three things to know about how it’s built.//h2>
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/div class="mt-fact">
/span class="mt-fact-icon">🔒//span>
/h4>It’s irrevocable//h4>
/p>A Miller Trust is irrevocable by design. That permanence is part of what makes the income “not count” for Medicaid. It’s built for one specific job.//p>
//div>
/div class="mt-fact">
/span class="mt-fact-icon">🏦//span>
/h4>The state is repaid at death//h4>
/p>When the beneficiary passes away, the state Medicaid agency is repaid from what remains in the trust, up to the amount of benefits it paid on that person’s behalf.//p>
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/div class="mt-fact">
/span class="mt-fact-icon">⏳//span>
/h4>No 5-year lookback//h4>
/p>Because a Miller Trust deals with /em>income//em>, not transferred assets, there’s no five-year lookback. That’s a key difference from asset-protection planning.//p>
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/!-- HOW MY SERVICE WORKS -->
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/span class="mt-eyebrow">How I can help//span>
/h2 class="mt-h2">Fast, flat-fee, attorney-prepared Miller Trusts.//h2>
/p class="mt-lead">I prepare Qualified Income Trusts for Kentucky, Indiana & Ohio, delivered remotely and turned around quickly, because families in this situation usually don’t have weeks to wait.//p>
/div class="mt-service-pills">
/span class="mt-pill">Flat fee//span>
/span class="mt-pill">KY • IN • OH//span>
/span class="mt-pill">Delivered remotely//span>
/span class="mt-pill">Typically 24-72 hours//span>
/span class="mt-pill">Limited-scope//span>
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/div class="mt-steps">
/div class="mt-step">
/div class="mt-step-num">1//div>
/h4>Reach out//h4>
/p>Email /a href="mailto:millertrust@cooperlawky.com" style="color:var(--rose-dark);font-weight:500">millertrust@cooperlawky.com//a> with the situation, the state, and that income (not assets) is the barrier.//p>
//div>
/div class="mt-step">
/div class="mt-step-num">2//div>
/h4>I draft the document//h4>
/p>I prepare an attorney-drafted Miller Trust tailored to your state, on a flat fee, typically within 24-72 hours.//p>
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/div class="mt-step">
/div class="mt-step-num">3//div>
/h4>You sign & notarize//h4>
/p>You sign and notarize the trust following the clear instructions provided with your document.//p>
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/div class="mt-step-num">4//div>
/h4>You fund it, with your adviser//h4>
/p>You work with your financial adviser to open the trust’s bank account and get it funded, the excess income is deposited each month. The trust I draft is built to support exactly what they set up.//p>
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/div style="margin-top:32px">
/h3 class="mt-h2" style="font-size:24px">My role is narrow, on purpose: I draft the document.//h3>
/p class="mt-lead">I’m the attorney who prepares the Miller Trust itself. The Medicaid planning, the application, and the funding are handled by others, and if you don’t have someone for that yet, just ask and I’m glad to point you to trusted partners who focus on it.//p>
/div class="mt-twocol">
/div class="mt-col">
/h4>What I do//h4>
/ul class="mt-list yes">
/li>Draft the Miller Trust (Qualified Income Trust) document, tailored to Kentucky, Indiana or Ohio//li>
/li>Turn it around fast, typically 24-72 hours, on a flat fee//li>
/li>Include clear signing & notarization instructions with the document//li>
/li>Coordinate with your adviser so the trust fits the plan they’re running//li>
//ul>
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/div class="mt-col">
/h4>What I do /u>not//u> do//h4>
/ul class="mt-list no">
/li>Medicaid planning or eligibility strategy//li>
/li>The Medicaid application or paperwork//li>
/li>Opening the trust bank account or funding it//li>
/li>Ongoing case management or spend-down advice//li>
//ul>
//div>
//div>
/div class="mt-who" style="margin-top:20px">
/p>/strong>Need the planning, application, or funding handled too?//strong> That work belongs with a Medicaid planner, elder-law caseworker, or financial adviser who sees the whole picture, just ask and I’m glad to point you to trusted partners who focus on it. You bring the plan; I draft the instrument that makes it work. As an attorney licensed in /strong>Kentucky, Indiana & Ohio//strong>, my job is to get that one document right and back to you fast.//p>
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/!-- DUAL CTA -->
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/span class="mt-eyebrow">Get started//span>
/h2 class="mt-h2">You don’t do this for you. You do it for the people you love.//h2>
/p class="mt-lead">Whether you’re a family trying to get a loved one qualified, or a professional helping a client across the finish line, the next step is the same email.//p>
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/h3>For individuals & families//h3>
/p>Someone you love needs long-term care, and income is the thing standing in the way. I’ll prepare the trust /strong>document//strong> quickly, so your Medicaid planner or adviser can keep the application moving. I draft the document; I don’t handle the application or funding.//p>
/a href="mailto:millertrust@cooperlawky.com?subject=Miller%20Trust%20%E2%80%94%20Get%20Started" class="btn btn-rose">Get your Miller Trust//a>
/p style="font-size:12px;color:var(--light);margin:12px 0 0">Prefer to submit online? Use the /a href="contact.html" style="color:var(--rose-dark);font-weight:500">secure intake form//a> anytime, day or night.//p>
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/div class="mt-cta-card mt-cta-ref">
/h3>For referral partners//h3>
/p>Financial advisers, Medicaid application companies, and nursing-home staff: when a client is over the income limit, I can turn a Miller Trust around fast so your application isn’t held up. Let’s build a relationship.//p>
/a href="https://forms.office.com/Pages/ResponsePage.aspx?id=aqzFmka7cE-8P9yT98n5C_Uer7_CHshOv9oS5CjKtBhUMjJMU0YxUTNEMzJHOU0zVFRWUjg2WlpFUC4u" target="_blank" rel="noopener" class="btn btn-outline">Refer a client / partner with us//a>
/p style="font-size:12px;color:var(--light);margin:12px 0 0">Secure online referral form, send a client’s details anytime, 24/7.//p>
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/p style="font-size:13px;color:var(--light);margin-top:20px;text-align:center">Email /a href="mailto:millertrust@cooperlawky.com" style="color:var(--rose-dark);font-weight:500">millertrust@cooperlawky.com//a>, serving Kentucky, Indiana & Ohio.//p>
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/span class="mt-eyebrow">Common questions//span>
/h2 class="mt-h2">Miller Trust FAQ//h2>
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/summary>What is a Miller Trust?//summary>
/p>A Miller Trust, also called a Qualified Income Trust (QIT), is an irrevocable trust that redirects the income above the Medicaid limit so it no longer counts against long-term-care Medicaid eligibility. It solves an income problem, not an asset problem.//p>
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/summary>Does a Miller Trust protect my assets or savings?//summary>
/p>No. A Miller Trust does not protect assets and does not avoid the asset or resource limit. It’s only needed in income-cap states such as Kentucky, Indiana, and Ohio. If your issue is too much in savings or property, the right tool is a /a href="blog/long-term-care-estate-planning.html" style="color:var(--rose-dark);font-weight:500">Medicaid Asset Protection Trust//a>, which has a five-year lookback.//p>
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/summary>Who needs a Miller Trust?//summary>
/p>Someone applying for nursing-home or home-and-community-based-waiver Medicaid whose monthly income exceeds the limit but who otherwise qualifies.//p>
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/summary>Is there a five-year lookback?//summary>
/p>No. Because a Miller Trust deals with income rather than transferred assets, there’s no five-year lookback. The state Medicaid agency is repaid at death, up to the amount of benefits it paid.//p>
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/summary>What states do you prepare Miller Trusts for?//summary>
/p>Kentucky, Indiana, and Ohio, the income-cap states where I’m licensed. Documents are prepared remotely and delivered with signing instructions.//p>
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/strong style="color:var(--mid)">Please note.//strong> This page is provided for /strong>educational purposes only and is not legal advice//strong>, and it does not create an attorney-client relationship. It is /strong>attorney advertising//strong>. Medicaid income limits and rules are set by the government and change over time; any figures shown are current estimates only. My involvement in preparing a Miller Trust is /strong>limited-scope//strong> as described above. I draft the document, and the client is responsible for signing, notarizing, and funding it. I do /strong>not//strong> provide Medicaid planning, eligibility determinations, application assistance, or trust-funding services. Whether a Miller Trust is appropriate depends on your specific circumstances. Cooper Law, LLC is licensed to practice law in Kentucky, Indiana, and Ohio only.
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