Qualified Income Trusts - Florida
Helping You Become Eligible for Medicaid Benefits
To Pay for Nursing Home Care

Helping Protect Florida Families and Their Assets from the Cost of Long Term Care

Your Subtitle text

Qualified Income Trusts - Miller Trusts, Florida QIT -The Medicaid Income Trust

Contact Information

If you have a need for elder law services, Medicaid planning for nursing home benefits, or other related information or questions, please complete the following contact information.  Someone will respond to you within 48 hours (excluding weekends and holidays).

If you need immediate assistance to qualify a family member or loved one for Medicaid benefits to pay for nursing home costs in Florida, please call us toll free at (888) 492-2468.

First Name:
Last Name:
Address Street 1:
Address Street 2:
Zip Code: (5 digits)
Daytime Phone:
Evening Phone:
Security Code: *  

Experienced Elder Law Attorney
The irrevocable Florida qualified income trust, or "Miller Trust." that you prepare online,  for a fixed fee of $295, is reviewed by Florida elder law attorney C. Randolph Coleman.  Mr. Coleman has been a practicing attorney and member of The Florida Bar for over 30 years.  Mr. Florida elder law attorney who prepares and reviews qualified income trusts or Miller TrustsColeman has focused exclusively on elder law in Florida and estate planning matters for the past 30+ years, and has prepared hundreds of qualified income trusts that have been accepted by the Florida Department of Children and Families (or its predecessor HRS) to allow his clients to receive nursing home Medicaid.

Mr. Coleman is a member of The Florida Bar Elder Law Section and the Real Property, Probate and Trust Law Section of The Florida Bar.  He is rated AV (preeminent) by Martindale-Hubbell and has a 10.0 rating (Superb) by AVVO.

He is a member of ElderCounsel, LLC, The National Association of Elder Law Attorneys, The Florida Elder Law Academy, the National Care Planning Council, and WealthCounsel, LLC.

Prepare your Qualified Income Trust ("Miller Trust") in minutes at this website.  For Just $295.

What is a Qualified Income Trust - How does a Qualified Income Trust Work?

An irrevocable qualified income trust, sometimes referred to as a "Miller Trust" or "QIT," is an irrevocable trust that is provided for by the Florida rules for Medicaid eligibility, so that one can qualify for Medicaid benefits to pay for long term care in a skilled nursing home for someone, even if they have more income than is otherwise allowed for Medicaid eligibility for benefits to pay for long term care in a nursing home. (Information about the current cost for long term care is provided by this 2013 survey by Genworth Financial) Medicaid for nursing homes is one of three alternatives available to pay for nursing home costs.

A QIT will allow you, or your family member, to qualify for nursing home Medicaid benefits to pay for nursing home costs regardless of whether that person has income that exceeds the "Income Cap" established for Medicaid eligibility. Currently, for 2014 the Medicaid income cap in Florida is $2,163 per month.

You can begin the process of obtaining your Florida QIT online by going to our document preparation site.  The fixed fee for your irrevocable qualified income trust form is $295.  We provide you with simple instructions for properly signing the irrevocable Medicaid trust and instructions for handling the bank account for the irrevocable qualified income trust.

What is Medicaid?

If you or your family member, who is currently, or is about to start, living in a skilled nursing facility, has income in excess of that amount ($2,163 per month), an irrevocable qualified income trust must be established so he or she can qualify for Medicaid nursing home benefits to help pay for the cost of long term care. For the purpose of determining whether you qualify for Medicaid benefits for nursing home Medicaid, the State of Florida includes indemnity payments you receive from long term care insurance as "income." Accordingly, if your income plus long term care insurance indemnity payments exceed the income cap, then you will need an irrevocable qualified income trust, or Miller trust for nursing home Medicaid.

Florida is an Income Cap state, which means there is an upper income limit for Medicaid eligibility. A person's total gross income includes the amount received from Social Security, pensions, IRAs and all other forms of income. The upper income limit typically goes up by a few dollars each year. In many cases where an elderly person's income exceeds the upper limit, an irrevocable "Qualified Income Trust" (also known as "Miller Trusts" or a "QIT" or an "Medicaid income only trust") can be used to legally solve the problem of too much income.

Following the detailed requirements for administering an irrevocable qualified income trust account is important for maintaining nursing home Medicaid eligibility for the elderly person after it is first obtained. Your Medicaid planning elder law attorney should provide you with detailed and specific direction for the proper funding and administration of the irrevocable qualified income trust fund.

Income for Medicaid eligibility purposes is gross income. This means that all deductions are added back into the income before one can determine the total amount of income for nursing home Medicaid eligibility purposes, and is another example of why proper Medicaid planning is so important for each involved individual, and how a qualified income trust account may be necessary. 

If the person seeking Medicaid for nursing home care is incapacitated and unable to legally sign the irrevocable qualified income trust, it is necessary that there be a proper durable power of attorney in place so the Miller Trust can be established. The form for the power of attorney must include a specific authorization for the agent or attorney in fact to sign the irrevocable qualified income trust for the incapacitated person's nursing home Medicaid eligibility. An experienced Florida elder law lawyer can assist you in obtaining the proper form for power of attorney.

What is a durable power of attorney?

If you need an irrevocable Qualified Income Trust, or Miller Trust form, to qualify for Medicaid for nursing home benefits to pay for nursing home costs, and that is the only thing you need to be eligible for Medicaid benefits, you can obtain a qualified income trust template that is guaranteed to meet the requirements of the Florida Department of Children and Families for an irrevocable qualified income trust, quickly and at a reasonable cost, at this website.

The irrevocable qualified income trust template, or Miller Trust form, that you can obtain through this website is reviewed by an experienced elder law lawyer with more than 30 years experience as a Florida attorney, and more than 15 years experience working with the Florida Department of Children and Families (and its predecessor the Department of HRS) in the preparation of irrevocable qualified income trusts for nursing home Medicaid eligibility.

You can prepare your Florida qualified income trust template online, by answering a few questions that will provide the information necessary for our office to prepare your Miller Trust form

Your answers to the questions will be reviewed by our experienced Florida elder law attorney, who will complete the Miller trust and return it to you by email within 48 hours (excluding weekends).  Your Florida irrevocable qualified income trust is guaranteed to meet the requirements of the Florida Department of Children and Families ("DCAF"), or we will refund your money in full if your qualified income trust form is not accepted by DCAF.

You can begin the process of obtaining your Florida Miller Trust template online by completing the contact information form in the left margin of this page.

If you need a consultation with our experienced elder law attorney, please call us at 904-448-1969, or toll free at 888-492-2468, or email us at Info@QualifiedIncomeTrust.com.

How much income can I make and still qualify for Medicaid benefits to pay for nursing home costs?

Website Builder