QUALIFIED INCOME (MILLER) TRUSTS

When a person’s income is too high to qualify for Medicaid, it can feel like a frustrating dead end. But in Tennessee and other income-cap states, there’s a strategic legal tool designed specifically for this problem: the Qualified Income Trust, also known as a Miller Trust.

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At Parks, Bryant & Snyder, PLLC, we help families use Miller Trusts to gain Medicaid eligibility without depleting their savings or forfeiting essential care. Our attorneys simplify the process so you can make informed decisions with peace of mind.

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A SOLUTION FOR EXCESS INCOME

Tennessee has strict monthly income limits for Medicaid long-term care coverage. Even a few dollars over the limit can disqualify an applicant. A Miller Trust allows individuals to direct that excess income into a dedicated trust account, which can then be used to pay for care-related expenses — keeping eligibility intact.


We’ll help you:

  • Draft and execute a legally valid Miller Trust
  • Understand which types of income should be redirected
  • Navigate trust administration and compliance
  • Ensure Medicaid eligibility is preserved

Setting up the trust properly is crucial. With decades of experience, our team ensures all paperwork and compliance steps are handled with care and accuracy.

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WHAT A QUALIFIED INCOME TRUST ADDRESSES

Using a Miller Trust can help:

  • Meet Medicaid income limits for nursing home or assisted living coverage
  • Redirect excess income without violating eligibility rules
  • Ensure regular, allowable payments to care providers
  • Comply with federal and Tennessee-specific Medicaid requirements
  • Provide a structured approach to managing income without sacrificing care access

Trust setup and funding rules are strict — working with a qualified attorney can prevent costly errors or rejections.

Frequently Asked Questions

  • Do I need a Miller Trust if I’m over the Medicaid income cap?

    Yes — if your income exceeds Tennessee’s Medicaid limit, a Miller Trust may be the only way to qualify legally.

  • Can any type of income go into the trust?

    Most regular income sources (pensions, Social Security, etc.) can be redirected, but proper setup is key.

  • Will I still control my income?

    Not directly — the trust is managed by a trustee who pays for approved expenses. This structure is required for Medicaid compliance.

  • Is a Miller Trust permanent?

    It lasts as long as Medicaid benefits are needed. Once no longer necessary, it can be closed.

GET THE COVERAGE YOU DESERVE

If income is standing between you and critical long-term care, a Qualified Income Trust may be the key. Parks, Bryant & Snyder will walk you through each step — ensuring compliance, clarity, and confidence in your future.

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