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Qualified Income Trust
(Miller Trust)
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Overcoming Florida’s Medicaid Income Limits for Long-Term Care
Florida is an "Income Cap" state. This means that to qualify for Long-Term Care Medicaid (such as the Institutional Care Program for nursing homes or the SMMC-LTC waiver for assisted living), the applicant must not exceed a strict monthly income limit. For 2026, the Florida Medicaid gross income limit is $2,982 per month.
If your Social Security, pension, and other gross income exceed this amount by even one dollar, you will be denied long-term care benefits. This can be devastating for families facing nursing home bills that routinely exceed $10,000 a month. Fortunately, Florida law provides a highly effective legal solution: The Qualified Income Trust (QIT), commonly known as a Miller Trust.
atCause Law Office understands the complexities of Medicaid eligibility and the financial challenges many face when seeking access to essential healthcare services. Our experienced team specializes in the creation of QITs, ensuring you or your loved ones can secure the healthcare benefits you deserve without the stress and confusion.
What is a Qualified Income Trust?
A Qualified Income Trust is a specialized legal arrangement designed to help individuals whose income exceeds the eligibility limits for Medicaid. By placing excess income into a QIT, you can meet Medicaid's income requirements, enabling access to comprehensive healthcare services. This trust manages income in a way that complies with Medicaid rules, ensuring that the necessary expenses are covered while maintaining eligibility for benefits.
How Does It Relate to Medicaid?
Medicaid provides vital healthcare services to millions of Americans, including the elderly, disabled, and those with limited income. However, strict income and asset limits often disqualify those just above the threshold, leaving them without crucial support. A QIT moves any income over the limit into a special trust, helping you qualify for Medicaid benefits and access essential healthcare.
How atCause Law Office Can Help
Drafting a Miller Trust is just one part of a comprehensive elder law strategy. We ensure the trust is legally sound, properly funded, and integrated into your overall Long-Term Care Medicaid Application.
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Assessing Eligibility: We evaluate your financial situation to determine if a QIT is the right strategy for you.
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Customized Trust Creation: Every individual’s needs are unique. We tailor your QIT to your financial situation and healthcare needs.
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Ongoing Management and Guidance: Navigating Medicaid’s regulations can be daunting. We offer ongoing support, managing your trust and advising on any changes in your financial situation or Medicaid policies that may affect your eligibility.
Take the Next Step Towards Secure Healthcare
If you're struggling to qualify for Medicaid due to income limits, or if you're unsure of how to manage your assets to ensure eligibility, we're here to help. A Qualified Income Trust may be the solution you need, and at atCause Law Office, we have the expertise to guide you through every step of the process.
Don’t let the complexity of Medicaid eligibility stand in the way of accessing essential healthcare services. Contact us today at 727-477-2255 to schedule a consultation. Let us help you navigate the path to Medicaid eligibility with confidence and peace of mind.