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Miller Trust Guide

Author

James Whitfield

Researcher and sole author, Miller Trust Guide.

Why this site exists

I started this work after helping a family member through a Miller Trust setup. The free state PDF was clear about the form; useless about the process. The attorney quotes ranged from $1,500 to $2,500 and came with multi-week waits. The bank refused to open the account twice. The gap between "free template" and "retainer attorney" is where most families lose a month of Medicaid coverage they can never get back. I built this to be the missing operational layer in that gap.

Scope

I read state Medicaid policy manuals and publish plain-English operational guides for Qualified Income Trusts (also called Miller Trusts). My subject-matter scope is narrow on purpose: the 24 income-cap states' QIT mechanics, the bank-account workflow, common denial reasons, post-death distribution, and annual income-cap updates pegged to the CMS Federal Benefit Rate. These guides are written for anyone working through that mechanics — families doing it themselves, and attorneys, paralegals, or care managers handling a case outside their usual practice.

I am not an attorney. I do not advise on individual situations. I do not draft trust instruments. When a buyer's question is about their specific situation, my answer is always the same: consult a licensed elder-law attorney in your state, ideally through your state bar's lawyer referral service.

Editorial posture

I keep a low public profile on purpose. No social media accounts under this name, no podcast appearances, no phone interviews. Miller Trust Guide is a research publication, not a personal brand — the state agency manuals are the authority, and my job is to synthesize and translate them, not to be the authority myself. The byline is consistent across every page, email, and support reply, because consistency is the honest signal a single-author publisher can give. There's no headshot here, either — deliberately. I work anonymously; the citations on every page are what should earn your trust, not a photo.

What I won't do

Contact

Email support@millertrustguide.com for product, refund, or correction questions. See the editorial process page for sourcing standards and review cadence.