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Both of my parents have recently entered a nursing home. I need to get them on Medicaid but have been told that I need to set up a joint Miller Trust because they are over the income limit of $2205. Their combined income is over this amount but each of their incomes is below this amount.

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My MIL is in an Indiana nursing home. She will be out of funds in the next six months. We went to the social worker at the nursing home. She had a printout that explained the process of applying for Medicaid. In one section it says "If the resident receives over $2,205.00 in gross monthly income from all sources, a Miller Trust (Qualified Income Trust) must be set up in order to qualify for Medicaid assistance. Any income over this limit must be placed in the trust every month to receive and maintain Medicaid eligibility."  It goes on to tell us the process to go through. They are very helpful and will help us through this.
If the nursing home social worker won't help you with this process you need to have a consultation with a reputable Elder Law Attorney.
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You may want to review Indiana's Medicaid eligibility website to review the limits that fit your parents' situation: http://www.in.gov/medicaid/members/59.htm
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