Elder & Estate
June 28, 2026•7 min read

Qualified Income Trusts: How Income-Over-Limit Seniors Qualify for Medicaid in 2026

If your monthly income exceeds $2,829, many states will deny your Medicaid long-term care application — even if you can't afford nursing home bills. A Qualified Income Trust (QIT), also called a Miller Trust, is the federally authorized legal tool that lets income-over-limit seniors in cap states redirect excess income and qualify for coverage. Learn how QITs work, which states require them, and the costly mistakes that can derail eligibility.

Elder and Estate Admin
Elder and Estate Admin
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