Editorial

Editorial process and review schedule

What we publish

Miller Trust Guide publishes state-specific informational operational guides that teach families how to use their state's publicly-published Qualified Income Trust (Miller Trust) template to qualify a parent or spouse for long-term-care Medicaid. Every state page contains the income cap, the Personal Needs Allowance, the citation to the state agency's policy manual, the bank-account walkthrough, common denial reasons, and the post-death distribution rules.

Sourcing standards

• Every operational claim cites a primary state agency document (e.g., Texas HHSC Appendix XXXVI), CMS, or a recognized industry aggregator (e.g., Medicaid Planning Assistance).
• Citations point directly to the source URL, not to a summary or intermediate page.
• Where state agencies publish a template, we link to it. We never host or "improve" the template.
• Where a state does not publish a template, we say so plainly and direct readers to obtain one from a licensed attorney in that state.

The official state-agency template behind each state we cover:

• Alabama — Alabama Medicaid Ala. Admin. Code r. 560-X-25-.10
• Arizona — AHCCCS EPM 803-C
• Arkansas — Arkansas DHS Medical Services Policy Manual §H-110–H-116
• Colorado — HCPF 10 CCR 2505-10 §8.100.7.E.6.a
• Florida — DCF ESS Manual 1840.0110
• Georgia — DCH Section 2407
• Idaho — IDHW IDAPA 16.03.05.872.02
• Indiana — FSSA 405 IAC 2-3-29
• Iowa — Iowa HHS Iowa Code 633C.3
• Kentucky — DMS 907 KAR 20:030, Sec. 3(5)
• Mississippi — Mississippi Medicaid 23 Miss. Admin. Code Pt. 103, R. 5.17
• Missouri — Missouri FSD MHABD Manual §0825.030.35
• Nevada — DSS MAM F-520.6
• New Jersey — DMAHS QIT FAQ and model instrument
• New Mexico — HCA 8.281.510.11(C) NMAC
• Ohio — ODM OAC 5160:1-6-03.2
• Oklahoma — OHCA OAC 317:35-5-41.6(6)(B)
• Oregon — ODHS APD OAR 461-145-0540(9)(c)
• South Carolina — SCDHHS DHHS Form 905
• Tennessee — TennCare ABD Trusts Policy 110.055 §4.h
• Texas — HHSC Appendix XXXVI

Author and how we verify accuracy

Author: James Whitfield, researcher. The author is not an attorney and does not advise on individual situations. The author is solely responsible for content.

We don't engage a reviewing attorney to sign off on this content, and we don't plan to. Our accuracy model works differently: every operational claim on this site links directly to the state Medicaid agency's own published policy manual or template — not a summary, not a paraphrase you have to take on faith. You can verify any claim yourself against the primary source in a click, which is a check a hired reviewer's signature can't actually give you. It's also how we stay inside our own four editorial rules: we explain and cite what the state has already published; we never draft trust language or advise on an individual situation — so there's no legal-judgment layer in this content for a reviewer to bless in the first place.

Annual update cadence

Each state page is reviewed annually in January, immediately after CMS publishes the new Federal Benefit Rate. Income cap and Personal Needs Allowance values are recomputed and refreshed. The income-cap-state list is re-verified against current state Medicaid agency policy manuals. State agency URL citations are re-checked for validity.

In addition to the January refresh, pages are reviewed quarterly for citation rot, broken state-agency links, and reader-reported corrections.

Correction policy

If you find content on this site that does not match what your state Medicaid agency publishes, please email support@millertrustguide.com with the page URL, the disputed claim, and the agency citation that supports your correction. Confirmed corrections are made within five business days, and the page's last-reviewed date is updated to reflect it.

What we will not do

• Draft, host, or distribute trust instrument text.
• Customize a kit based on a buyer's family situation.
• Give advice over phone, chat, or email about an individual situation.
• Sell email addresses or share buyer data with attorneys, planners, or referral services.
• Publish a state's product until its unauthorized-practice-of-law posture is confirmed safe for that state's specific legal environment — Florida's stricter advisory-opinion history (SC14-211) is why its guide is a plain-language legal reference rather than a step-by-step kit.

Conflicts of interest

Miller Trust Guide accepts no advertising, no affiliate revenue, no referral fees, and no sponsorships. Our only revenue is direct sale of state kits and the post-launch B2B subscription tier. We do not pay for placement on attorney directories or aggregators. We do not pay for backlinks.