QIT Questions

I recently had a family ask me about the retroactive effects of a Qualified Income Trust (QIT or Miller Trust). An assumption had been made that a QIT set up and funded in the month of April would fix the income problems going back to March and February. But this is not true. The QIT is only affective to cure an over-income situation for a month that the QIT is funded with the applicant’s income (the income for that same month). The QIT begins its effectiveness as of the first day of the first month it is funded with the Applicant’s monthly income. It will not reach back to prior months, and the Applicant will remain income ineligible for months prior to the month in which the QIT is funded. See Medicaid Eligibility Handbook (MEPD) Sec. F-6800.

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