Told You Have Too Much Income for Medicaid? You Were Told Half the Story.
The income limit isn't the end. It's a detour. Here's the map.
A Miller Trust is the legally required path around Idaho's income limit — and most families never find out it exists until it's too late.
This module gives you everything needed to set one up correctly, on your own, in about 48 hours.
Step-by-step guidance written for families, not attorneys
Includes the trust document template with all five Idaho-required terms already built in
Gross income worksheet so the deposit calculation is done right the first time
Banking guidance — which banks work, which don't, and what to say when they push back
Ongoing management instructions so nothing falls through the cracks month after month
Instant digital access. Not legal advice. Educational purposes only.
This Is For You If...
Someone told you your loved one has too much income for Medicaid — and you don't know where to go from there
Medicaid has told you a Miller Trust is required before your application moves forward
You didn't know Idaho has an income limit for Long-Term Care Medicaid — and that going one dollar over it requires a separate legal trust account
You didn't know the deposit into that trust must be calculated on gross income — not the amount that actually lands in the bank
You didn't know that depositing even one cent too little can cause Medicaid to deny coverage for the entire month
You didn't know that not every bank offers Miller Trust accounts — and that starting with the wrong one costs time you don't have
If any of that sounds familiar, you're in the right place.
meet the person behind this module
Why This Guidance is Different
Most people who explain Miller Trusts learned about them from a textbook.
I learned about them from the other side of the desk.
14 years inside Idaho's Medicaid system. 5 years reviewing Long-Term Care applications.
I saw trust documents rejected because one required term was missing. I saw families lose an entire month of Medicaid coverage over a deposit calculated on the wrong number. I saw applications stall because someone walked into the wrong bank.
None of those mistakes were complicated. They were just unknown.
This module is built around what I watched go wrong — and how to make sure it doesn't happen to your family.
The trust document template already contains all five Idaho-required terms.
The deposit calculation is built around gross income, not the bank statement number.
The banking section tells you exactly where to go and what to say.
JOHN todd
Elder Care Financial
I now run Elder Care Financial in Idaho, working exclusively with families navigating Long-Term Care Medicaid. Most of them are in crisis. Most have less time than they realize.
This module exists so the income hurdle doesn't stop you.
What Families Are Saying
I am so thankful to have been put in touch with Elder Care Financial. To have an insider help move the Medicaid application process forward to a successful completion was a huge relief. John Todd made that all happen.
- Sheila Heyns
I am extremely grateful for the assistance John provided to me. He is a consummate professional. He is a reliable, patient and resourceful. I highly recommend his services.
- Tamina Boonisar
I have been looking for the last couple of years to understand Medicaid knowing my mother would need it in the future. John was the first person to explain it in laymen terms and explain the process. After talking to him the process went very well and my stress reduced. I would definitely recommend him.
- Marty Gardner
INTRODUCING
The Miller Trust Module
The income limit isn't a dead end. But the setup has to be done right.
Most families hit the income obstacle and don't know what comes next. This module closes that gap — walking you through every step of the Miller Trust process from the trust document to the monthly deposit to the Medicaid submission.
No guesswork. No searching for pieces of the answer in a dozen different places. One module, start to finish.
What's included:
The trust document template with all five Idaho-required terms already built in
Step-by-step banking guidance — where to go, what to bring, what to say
Gross income worksheet and deposit calculation walkthrough
The three proofs Medicaid requires at submission — and how to document them
Ongoing monthly management so nothing slips after approval
$97
One-time payment · Instant access.
Secure checkout. Educational purposes only. Not legal advice.
What's Inside the Miller Trust Module
Everything needed to complete the setup correctly — start to finish.
Miller Trust Setup Guide
The complete step-by-step walkthrough — what to do first, what comes next, and what Medicaid needs to see before your application moves forward.
Gross Income Worksheet
Calculates the correct monthly deposit amount based on gross income — not the number on the bank statement. One common mistake here can cost an entire month of Medicaid coverage.
Trust Document Template
The blank trust document with all five Idaho-required terms already built in. Missing even one term can delay or derail the entire application.
Medicaid Submission Checklist
The three proofs Medicaid requires at submission — documented and organized so nothing is missing when the application goes in.
Bank Account Setup Guidance
Which banks open Miller Trust accounts, which ones don't, and exactly what to say when a representative pushes back.
Monthly Management Instructions
What to do every month after approval to keep the trust running correctly — including what a growing balance means and when to recalculate the deposit.
One-time payment. Instant access.
WE'RE HERE TO HELP
Common Questions About the Miller Trust Module
Here are clear answers to some of the questions we hear most often from families going through this process.
What is a Miller Trust?
A Miller Trust — also called a Qualified Income Trust — is the legally required tool that allows someone with income above Idaho's Medicaid limit to still qualify for Long-Term Care coverage. Each month, the excess income is deposited into the trust and flows out to pay facility costs. Without it in place, the Medicaid application cannot move forward.
Do I need a Miller Trust if my income is over the limit?
In Idaho, yes. If gross monthly income exceeds Idaho's current limit by even one dollar, a Miller Trust is required before Medicaid can approve the application. This module walks you through the entire setup process — document, bank account, deposit calculation, and submission.
Is this legal advice?
No — and it's important to say that clearly. This is educational material based on the author's experience inside Idaho's Medicaid system. It is not legal advice. That said, the trust document template included here is built around the five terms Idaho Administrative Code specifically requires — the same terms Medicaid workers are trained to check for.
What happens if I make a mistake in the setup?
The most common mistakes — wrong deposit amount, incomplete trust document, wrong bank — are exactly what this module is designed to prevent. The gross income worksheet, the document template, and the banking guidance all exist because those are the places families most often go wrong. Follow the steps and the checklist, and the most costly errors become avoidable.
How quickly can I access the course?
Immediately. Purchase is instant, access is instant. Most families can complete the full setup within 48 hours of starting Section 1.
My situation is complicated. Will this module still work for me?
It depends on what's complicated.
If the primary obstacle is income — your loved one has too much to qualify and Medicaid has told you a Miller Trust is required — this module handles that completely.
If there are additional layers — a community spouse, significant assets that need to be addressed, a stalled or denied application — the Miller Trust may be one piece of a larger puzzle. This module will still give you a clear understanding of the income piece, but a situation with multiple moving parts may benefit from one-on-one guidance.
If you're not sure which category you're in, a short phone call can usually sort that out quickly.
John Todd — Elder Care Financial — 208-553-8634
The Income Obstacle Has a Solution. Here It Is
You now know the income limit isn't the end. You know a Miller Trust is the required next step. And you know exactly what this module contains.
The only thing left is to take the step.
One-time payment. Instant digital access. Educational purposes only. Not legal advice.