The Miller Trust (Qualified Income Trust)

If gross monthly income is even $1 over Texas’ $2,982 cap, the state computer denies the application automatically. The fix is a simple bank account with a specific title — the Miller Trust.

How it works, in plain English

1. 1
   Open a new checking account at a Texas bank.

   It must be titled exactly: "[Applicant's Name] Qualified Income Trust." The applicant cannot be the trustee — a family member or caregiver signs.

2. 2
   Each month, route income into the QIT.

   Social Security, pension, VA — the gross income flows into this account, not into a personal account.

3. 3
   The trustee pays bills from the QIT each month.

   Personal needs allowance, Medicare premiums, the community spouse's monthly allowance, then the nursing facility.

4. 4
   End every month at $0.00.

   An empty QIT is the proof that all income was properly used. Even $20 left over can risk eligibility.