Income too high for Medicaid? A Miller Trust solves that — legally and simply.
A Miller Trust (also called a Qualified Income Trust or QIT) is specifically designed to help individuals qualify for Medicaid long-term care benefits when their income exceeds the state's Medicaid income cap. Income above the cap is deposited into the trust, and the trust pays it out for the individual's care costs. This is a critical planning tool in 'income cap' states where even one dollar over the limit means complete Medicaid ineligibility.
Forged in Trust's Miller Trust platform is jurisdiction-specific — we handle the unique requirements of each income-cap state, including proper trust language, payback provisions, and income deposit instructions.
A Miller Trust (Qualified Income Trust) holds an individual's excess income to establish Medicaid eligibility when income exceeds the state's Medicaid cap. Income above the state limit is deposited into the trust each month — the trust pays for the beneficiary's medical expenses and patient liability, with any remainder going to the state after the beneficiary's death. The Miller Trust functions as a pass-through income vehicle: income goes in, qualified expenses go out, Medicaid eligibility is preserved.
The Miller Trust protects access to long-term care Medicaid for individuals whose income exceeds the state cap — currently $2,829/month (2026) in most states — but falls far short of private-pay nursing home costs ($8,000-$12,000/month). Without a Miller Trust, these individuals would be denied Medicaid but unable to afford care. The trust is federally authorized under 42 U.S.C. § 1396p(d)(4)(B) and recognized in all states that have an income cap. The trust must be irrevocable and the state must be the remainder beneficiary.
After creation: (1) Open a dedicated trust bank account. (2) Route all of the beneficiary's income — Social Security, pension, annuity payments — into the trust account each month. (3) Each month: trustee pays the beneficiary's patient liability (personal needs allowance), health insurance premiums, and any approved medical expenses from the trust. (4) File monthly trust statements with the state Medicaid agency. (5) Annual: trustee files state-required accounting showing all income deposited and all expenses paid. (6) Upon beneficiary's death: trustee pays any remaining trust funds to the state Medicaid agency as repayment for benefits provided.
Generate an attorney-review-ready miller trust in under 15 minutes. Backed by ChainLock™ blockchain anchoring for immutable proof of execution.
Get Started — $89Bitcoin OP_RETURN + Polygon Smart Contract
Every document generated by Forged in Trust is anchored to two blockchains simultaneously. A SHA-256 hash of the executed document is embedded in a Bitcoin OP_RETURN — immutable, permanent, secured by the highest hashrate on Earth. The same hash is recorded on Polygon via TrustAnchor.sol for instant verification and smart contract integration. Dual-chain anchoring eliminates single-point failure. Bitcoin proves existence. Polygon enables programmatic access. Year 1 free with every trust. Year 2+ $97/yr Standard / $197/yr Premium.
🔮 Quantum-Secured — Every document hash is salted with true cryptographically randomness. No computer — classical or quantum — can predict or reverse it. Learn how →
Your trust instrument is one of the most important legal documents you will ever create. Here is why anchoring it to the blockchain changes everything.
A SHA-256 cryptographic hash of your executed trust is permanently embedded in the Bitcoin blockchain — the most secure computing network in human history. Once recorded, the hash cannot be altered, deleted, or disputed. If anyone later claims the trust was modified or never existed, the blockchain proves which document existed on which date. No court can override mathematics.
Trust documents get lost in moves. They get destroyed in fires, floods, and earthquakes. Disgruntled parties destroy them. Law firms close and lose their files. The blockchain does not lose documents. It does not burn. It does not flood. Your trust exists forever — independent of any physical copy.
In a trust dispute, the burden of proof falls on the party asserting the document's validity. The blockchain flips this dynamic. The timestamp is mathematical — not testimonial. No witness can forget. No memory can fade. The blockchain is the witness that cannot be cross-examined. Present the Blockstream Explorer link in court. The judge can verify it independently.
When action is needed, your trustee and beneficiaries do not need to find a law firm, open a safe deposit box, or petition a court just to confirm the trust exists. They visit the verification page. They see the blockchain proof. Immediate. Irrefutable. No waiting. No gatekeepers.
The Bitcoin blockchain is maintained by tens of thousands of nodes across every continent. No government can shut it down. No corporation can delete it. No law firm can lose it. The proof of your trust exists independently of Forged in Trust, independently of any institution, independently of any jurisdiction. Even if this company ceases to exist, the Bitcoin blockchain will still contain your document's fingerprint.
Bitcoin has been running continuously since January 3, 2009 — through financial crises, wars, pandemics, and regime changes. It has never been hacked. It has never been shut down. It has never lost a single transaction. Your trust, anchored to Bitcoin, will outlast the law firm that drafted it, the bank that stored it, and the government that notarized it. Your great-grandchildren will be able to verify it.
$497/year maintains the chain.
One price. Every tier. That covers re-verification, chain monitoring, amendment re-anchoring, and the infrastructure that keeps your trust's proof permanently alive on both Bitcoin and Polygon. Lawyers charge $8,000+ for a single blockchain anchoring. We maintain both chains for $497/year — and the proof never expires.
Why blockchain and quantum anchoring matters for a Miller Trust
A Miller Trust (Qualified Income Trust) allows individuals with income above the Medicaid eligibility limit to qualify for long-term care benefits by diverting excess income into the trust. Because Medicaid eligibility determinations involve precise income calculations, blockchain anchoring provides an incontestable record of the trust's establishment and terms — critical if the state Medicaid agency challenges the trust's validity or the income diversion amounts.
Your trust is the foundation. These products complete the picture.
Trust tax preparation — GAAP-compliant accrual accounting and IRS filings for trust structures.
Starting at $499
Learn more →Chain of title audits, SEC investigations, and forensic analysis of trust and securities structures.
Learn more →Multi-sig trustee management — cryptographic key distribution, access control, and succession planning.
From $1,200/yr
Learn more →Triple-Forged blockchain anchoring — Bitcoin, Polygon, and quantum-proof hashing for your trust documents.
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Forged on Chain LLC is not a law firm and does not provide legal advice. Our products are self-help document preparation tools. Consult a licensed attorney for legal advice specific to your situation.