ID · Requirements Guide

Idaho Income Trust Requirements Guide — Qualify a Family Member for Medicaid Before the Next Billing Cycle

For adult children, spouses, and the attorneys, paralegals, and care managers who help them — before another $10,068–$10,707 month of private-pay care goes by.

An Idaho Income Trust (also called a Miller Trust or Qualified Income Trust) is an irrevocable trust used to qualify a Medicaid applicant whose monthly income exceeds the Idaho long-term-care income cap of $3,002 per month (income limits effective January 2026; trust and resource rules effective July 2024). Idaho does not publish a fill-in QIT form — the trust must be drafted (by an attorney, or by you where permitted) to meet IDHW's published requirements (IDAPA 16.03.05.872.02 ("Exempt Trusts" — Income Trust provision)). Medicaid eligibility can't start before the month the trust is signed and funded (the trust can't be back-dated), and every month of delay is another month of full private-pay care ($10,068–$10,707/mo in Idaho). This guide is the requirements checklist and operational walkthrough most families need: $97, instant download, money-back if IDHW rejects the trust for a reason traceable to following the guide.

It applies when the person who needs care has gross monthly income over Idaho's income cap of $3,002, whether you're their child, their spouse, or a professional helping them.

Spouse staying at home?

Only the applicant's own income counts toward this cap, not yours. Separate federal protections keep you from being left without enough to live on: a resource allowance and, when your own income is low, a monthly income allowance. See Medicaid spousal impoverishment protection.

Idaho doesn't publish a fill-in Qualified Income Trust form, so an attorney drafts it — this is the playbook that keeps that engagement to drafting alone instead of research-plus-drafting: the exact requirements checklist, cited to IDHW's own published policy, plus the funding and bank-account mechanics once the trust is signed. Informational only — not legal advice. Every requirement is drawn straight from IDHW's own published policy, with the citation behind each claim.

What usually happens

Idaho doesn't publish a fill-in form, so the trust has to be drafted to IDHW's requirements, and an elder-law attorney quotes $1,000–$2,500 to research and draft it. Once it's signed, you take it to the bank, where the branch has never opened one of these and says no. Meanwhile the month is running out. Coverage can't start before the month the trust is funded, so a month that slips is another $10,068–$10,707 of private-pay care. (Source for the funding rule: IDHW, IDAPA 16.03.05.872.02 ("Exempt Trusts" — Income Trust provision).)

Much of the attorney's fee is research into what IDHW requires. This guide is that research, already done: the 5-item required-provisions checklist, cited to IDHW's own policy, so the attorney's time goes to drafting. It also covers what comes after signing. Idaho's rules don't say whether the account needs its own tax ID; these accounts are commonly opened with the applicant's Social Security number. Inside: a word-for-word reply for each bank refusal and a printable letter for the branch manager, a funding worksheet built on the 2026 Idaho income cap, and the 6 reasons IDHW most often denies these, each cited.

You stay in control: you open the account at your own bank, and we never see or touch a dollar of your family's income. Money-back if IDHW rejects it, or for any reason within 7 days.

Questions about the guide before you buy? Email support@millertrustguide.com.

Built on IDHW's own published policy
Every claim cited to IDHW policy
Last verified against IDHW on August 26, 2026
We never collect your family member's details
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What buyers say

A review from a different state — because it's real, and we'd rather show a genuine reader than fill this page with something invented. Retired attorney & CPA is exactly the kind of reader who'd catch it if this guide were sloppy, which is why we lead with it. We only publish verified customers who gave permission — no invented reviews, no stock quotes.

Your Setup Kit turned out to be extremely useful. It got us to the New Jersey QIT template right away, and that was big. We used the Kit to work through the template and the practical questions about how a QIT actually works, and we were able to draft it, get it executed, open a bank account, and submit it with the application in just two or three days. It was an essential need for us, and the Kit helped us accomplish it very quickly.

Retired attorney & CPA Verified buyer of the New Jersey Kit

Not the only one deciding? Send them this page before you dive in.

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$10,068–$10,707 a month, Idaho private-pay care

Why this can't wait: until the trust is set up correctly, an over-income applicant can't be approved for Medicaid — so the private-pay bill keeps landing on your family, and your family member's place in care can depend on it. Coverage begins the calendar month the QIT is signed and funded — there is no back-dating — and Idaho private-pay care runs $10,068–$10,707 a month, so every 30 days of delay is a five-figure check out of pocket.

The 2026 Idaho income cap

Income cap, single applicant: $3,002/mo
Personal needs allowance: $40/mo
Idaho private-pay care: $10,068–10,707/mo

Setting up a Miller Trust in Idaho starts with one number — the income cap. The Idaho 2026 Medicaid long-term-care income limit is $3,002/month for a single applicant. If your family member's countable monthly income exceeds this limit, a properly drafted, signed, and funded QIT diverts the excess and brings countable income below the cap. The applicant's Personal Needs Allowance in Idaho is $40/month. Source: IDHW IDAPA 16.03.05.872.02 ("Exempt Trusts" — Income Trust provision) [1].

What's in the Idaho guide

10 operational sections and 3 reference appendices. Here are the six pieces buyers tell other buyers made the difference:

The bank-refusal playbook. The single thing buyers tell other buyers about. Most Idaho branches have never opened a Miller Trust account and refuse on first request. The guide includes a verbatim script citing IDAPA 16.03.05.872.02 ("Exempt Trusts" — Income Trust provision) [1], the five most common refusals and how to respond to each, and a one-page resolution letter you can hand to the branch manager.
The 6 IDHW denial traps and how to avoid each one. Every trap cites the exact IDHW policy section behind it, so you can verify before you submit — not after the denial letter arrives.
A pre-filled monthly funding worksheet using the 2026 income cap of $3,002 so you know exactly how much income to redirect each month.
The 5-item required-provisions checklist, cited to IDHW's own published policy — Idaho doesn't publish a fill-in form, so this is what your attorney's draft must satisfy.
The "what to say to family" page — short script for when a sibling asks why you didn't just hire an attorney. Pre-empts the family-conflict fight before it starts.
The month-by-month income redirect checklist for after the account opens, so the trust stays compliant every month and Medicaid never has a reason to pull benefits.

“If I'm hiring a lawyer anyway, why do I need this?”

Because Idaho doesn't publish a fill-in form, the attorney has to draft the trust either way — the question is whether they research IDHW's requirements on your bill, or you hand them the requirements up front. This guide is the research: the 5-item checklist, the funding rule, the bank-refusal script, and the 6 IDHW denial traps with the citation behind each — everything that turns a research-and-draft engagement into drafting alone.

If your spouse is the one entering care: this guide covers the Qualified Income Trust — the income side of qualifying — in full. If you're the spouse staying at home (the "community spouse"), the guide also walks you through the trust itself, and Section 9 orients you on the separate resource-allowance rules that protect your home and savings. Those resource rules are fact-specific, so for them you'll likely still want an Idaho elder-law attorney — but the guide's job is to make that a short, cheaper meeting instead of a $1,000–$2,500 one: you walk in with the trust already set up, the resource questions already identified, and the documents already gathered, so you're paying for answers, not for someone to explain the basics to you.

Idaho Guide

Attorneys typically charge $1,000–$2,500 for this.

$97

One-time. No subscription, no upsell.

Last verified against IDHW on August 26, 2026.

Less than one hour of an elder-law attorney's time — and it covers the whole Qualified Income Trust setup.

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If IDHW rejects the trust, you pay nothing. Full refund within one business day — no forms, no phone tag. Change your mind for any other reason within 7 days and we refund that too.

See real sample pages from the guide →

Before you buy

Who this guide isn't for

We'd rather you not buy something you don't need. Skip it if:

The income is at or under $3,002/month. A Income Trust usually isn't needed. Check the number with the free income-cap check.
The obstacle is savings or property, not income. A Income Trust only deals with income. See Medicaid asset protection trusts for the asset side.
Money or property was given away in the last five years, or other trusts are involved. That needs an Idaho elder-law attorney.
You want someone to handle the whole thing for you. An attorney drafts the trust either way in Idaho. This guide makes that engagement shorter; it doesn't replace it.

How it works in Idaho

Confirm income is over the $3,002 cap Gross monthly income, from every source.
Have the trust drafted to IDHW's requirements Idaho doesn't publish a fill-in form.
Name a trustee and open the trust account A dedicated bank account titled to the trust.
Fund it in the same calendar month Eligibility starts that month, never earlier.

Full step-by-step walkthrough →

The funding-month rule

September Trust not funded Private pay: $10,068–$10,707 for the month.
October Sign, open, deposit Trust signed, account opened and income deposited, all this month. Eligible from October.
November onward Deposit every month The income goes into the trust account every month to keep eligibility.

There is no back-dating. Funding in October can't cover September.

What it actually looks like

Sample pages from the guide

Real pages from the Idaho guide PDF. Click any page to enlarge.

Print-friendly, readable on a phone or tablet, and designed to be taken to the bank. Every operational claim cites a primary state agency or federal source.

How this compares

Idaho doesn't publish a fill-in QIT form, so an attorney drafts the trust either way. The $97 is for the guide — the requirements checklist and everything around it — that turns the attorney's job into drafting alone, instead of research-and-drafting on your bill.

	This guide	Attorney alone (no prep)	DIY research, no guide	Doing nothing
Cost	$97 + attorney's drafting fee	$1,000–2,500 (research + drafting)	$0 upfront — real risk of a rejected trust	$0, then $10,068–$10,707/mo private-pay
Time to qualified	Faster — drafting only	2–6 weeks (research + drafting)	Unpredictable	Not until you act
Bank-refusal script	Yes	Sometimes	No	n/a
State agency citations	Yes	n/a	If you find them yourself	n/a
Updated for the current income cap	Yes	Yes	If you catch the update	n/a
"What to say to family" script	Yes	No	No	n/a
Delivery time	Instant (guide); attorney schedules separately	After consult + retainer	Instant, but unverified	n/a

Attorney costs reflect typical Idaho elder-law retainers for a Miller Trust setup. Private-pay nursing-home figures reflect recent Idaho market averages.

The bank step

The bank refusal nobody warns you about

You walk into your branch with the signed trust. The teller calls a manager. The manager has never seen one. They ask for an EIN. They tell you to come back with an attorney. You drive home with an empty trust account and a Medicaid clock ticking.

This is the single most common reason Idaho families lose a month of benefits, and it has nothing to do with the trust itself — it is a bank-procedure problem. The guide's bank section gives you the exact language to cite at the counter, the IDHW policy reference to read aloud, and a printable resolution letter you can hand to the branch manager so they can escalate inside their own bank instead of sending you away.

Refusals the guide walks you through:

Branch asks for a tax ID (EIN) for the trust account.
Branch is unsure what kind of account this is.
Branch has never opened an Income Trust account before.
Branch wants to know who is authorized to sign.
Branch questions why the deposit has to happen within the same calendar month.

Each refusal has a corresponding response in the guide, with the IDHW citation behind it.

The thing that saves a second trip: bring the printed IDHW policy page to the counter — not just the signed trust. A teller who can read the rule in black and white escalates in minutes; one who only has your word for it sends you home. The guide tells you exactly which page to print and hand across.

What you're actually paying for (and what we don't touch)

Targeting elder caregivers is a magnet for scams. Here is exactly what we do, what we don't, and what stays in your control:

You stay in full control of the trust and the money. Your trustee opens the account and manages the funds. We never see, hold, or touch a dollar of your family's income.
We never contact your parent or spouse. We don't collect their name, income, Social Security number, address, or any other detail about them. The only data we hold is the email you give us at checkout.
Your email is never sold or shared. Not to attorneys, not to Medicaid planners, not to lead-generation outfits. Read the privacy policy.
We earn no kickbacks. No attorney referral fees, no affiliate links, no advertising. Our only revenue is what you pay for the guide.
Every claim cites IDHW directly. If you find anything on this page that doesn't match what IDHW publishes, email us and we'll correct it within five business days.
Money back if IDHW rejects the QIT for any reason traceable to following the guide. One business day, no fight — or for any other reason within 7 days.

If IDHW rejects the trust, you pay nothing.

If the denial is for a reason traceable to following the guide, email the agency's stated denial reason to support@millertrustguide.com and we refund the full purchase price within one business day. Report it within 30 days of purchase if you can. If IDHW hasn't decided by then, email us anyway: the guarantee still applies once you have the denial. No phone tag, no forms, no fight. Changed your mind for any other reason? You have 7 days, no questions asked. We'd rather lose the sale than make this harder on a family already dealing with enough. Full refund policy.

Avoid these

The 6 most common Idaho denial reasons

Every denial reason below cites IDHW policy. The full guide explains each one in context and the order in which to verify them before submitting the Medicaid application.

Trust doesn't meet all Income Trust conditions -- falls back to general trust-treatment rules

If the trust doesn't independently satisfy IDAPA 16.03.05.872.02's conditions, it isn't exempt and instead falls back to the chapter's general revocable/irrevocable trust-treatment rule (16.03.05.871) -- under which a revocable trust's full value is counted as an available resource, defeating the purpose. — IDAPA 16.03.05.871, 872.02

Income not deposited into the trust within the same calendar month it's received

Idaho only excludes income placed directly into the trust in the same calendar month the recipient receives it. Income received one month and deposited late -- the next month or later -- is not excluded for that month and can push countable income back over the $3,002/month (2026) cap. — IDAPA 16.03.05.872.02.b

Trust funds not used to pay patient liability or participant participation

Money paid into the trust must go toward the individual's patient liability or HCBS participant participation. Money paid into the trust but not spent on allowable expenses is treated as an asset transfer and can trigger a transfer penalty, unless a spousal or undue-hardship exception applies. — IDAPA 16.03.05.872.02.d

Trust improperly drafted as revocable, or with an over-broad revocation clause

The trust must be irrevocable. The only permitted revocation clause is narrow: it may allow revocation solely if the participant leaves care for a reason other than death and is no longer Medicaid-eligible due to excess income, and only with full Medicaid reimbursement first. A broader revocation clause -- or no irrevocability language at all -- disqualifies the trust. — IDAPA 16.03.05.872.02.c

Missing or defective state remainder-beneficiary clause

The trust must provide that the State of Idaho is paid first, up to the total amount Medicaid has paid on the person's behalf, out of whatever remains in the trust at death. A missing, weakened, or capped payback clause fails this requirement. — IDAPA 16.03.05.872.02.e

Trust funded with resources instead of income

This is an income trust -- it is exempted from the general trust-treatment and asset-transfer rules specifically because it holds only the individual's income. Placing resources or other assets into it, rather than income, takes that portion outside the exemption and back under the chapter's general trust-treatment rule. — IDAPA 16.03.05.871, 872

Before you go to the Idaho bank

Most wasted trips are a bank-procedure problem, not a trust problem. This free one-pager has the questions to ask on the phone before you drive to a branch — emailed now. We'll also send 4 short follow-ups over the next 10 days (what the bank will ask, why denials are paperwork not eligibility, what other buyers found, when to call an attorney) — then we stop. No ongoing newsletter.

The author

Who's behind this

I'm James Whitfield. I built this guide to close the gap between an attorney-drafted document and a funded Medicaid trust (the short version is up top). I'm not an attorney. I'm a researcher who has now read every IDHW policy section that covers Qualified Income Trusts, and I publish what I learned with a citation on every claim. I won't advise you on your specific situation, draft anything, or review a document you or your attorney have drafted; for advice on your situation, you need an Idaho-licensed attorney.

Questions

Frequently asked questions

Is the Idaho Income Trust Guide legal advice?

No. This guide is informational only and is not legal advice. We are not attorneys and we do not practice law. IDHW does not publish a fill-in trust form, so the guide teaches you exactly what Idaho's own administrative rule requires a compliant trust to contain, so you can brief an attorney efficiently and verify what they draft. For advice on your specific situation, consult an Idaho-licensed elder-law attorney.

Does Idaho provide an official Income Trust form?

No. IDHW's governing rule, IDAPA 16.03.05.872.02, spells out in detail what a compliant trust must do -- sole-benefit eligibility, same-month funding, restricted disbursements, functional irrevocability, and a state payback clause -- but does not attach a sample or fill-in instrument. The trust must be drafted, by an attorney or by you where Idaho law permits, to meet the requirements this guide lays out.

What does the guide include?

A requirements-and-operations guide: the required-provisions checklist derived from IDAPA 16.03.05.872.02 with a citation for each item, guidance on gathering what an attorney needs before your first meeting, the monthly funding worksheet, the bank-account walkthrough, and Idaho-specific denial-avoidance guidance -- including the same-calendar-month deposit rule. Delivered as a single PDF.

Do you provide the trust document itself?

No. We never draft or provide sample or model trust language, generic or otherwise -- that would cross from explaining the law into practicing it. The guide tells you exactly what Idaho requires the finished trust to contain; drafting it is your attorney's work (or, where permitted, your own).

Who needs an Income Trust in Idaho?

A person applying for Idaho Medicaid long-term care -- a nursing facility or a Home and Community Based Services (HCBS) waiver -- whose gross monthly income is above $3,002/month (2026). Both settings are tested against the same income standard.

How much of my income goes into the trust?

Idaho's rule is more flexible than some states: it excludes from the income test only income placed directly into the trust in the same calendar month it's received. Unlike Texas, New Jersey, or Oregon, Idaho doesn't require an entire named income source to be diverted -- you (or your attorney) determine how much, from which source, needs to go in each month to bring your countable income under $3,002.

Does Idaho have a couple income cap?

Yes. Idaho's own published income-limits table sets the 2026 couple standard at $5,984/month -- one of the few requirements-brief states with an explicit, agency-published couple figure rather than a doubled single-applicant estimate.

Does Idaho count my Social Security before or after the Medicare Part B premium is taken out?

Before. For the $3,002/month (2026) income-cap test -- and for figuring out how much has to go into your Income Trust -- Idaho counts your gross Social Security amount, before the Part B premium is withheld. IDAPA 16.03.05.720 does not list the Part B premium among the items excluded from that test. Separately, once you're already eligible, Idaho's patient-liability calculation allows a Part B premium deduction, but only for the first two months of Medicaid eligibility, and only if you didn't already get SSI or AABD cash the month before (IDAPA 16.03.05.723.03.j). After that narrow window, the Part B premium is not deducted from your patient liability either.

Is there an official order for how income in the trust gets used each month?

Yes, but it's a deduction order for computing what you owe the facility (your 'patient liability'), not a step-by-step spending order for the trust account itself. IDAPA 16.03.05.723.03 lists deductions that must be subtracted from your total monthly income -- which specifically includes money paid into the Income Trust that month -- 'in the order listed.' That list includes your $40 personal needs allowance, up to $25/month in trustee fees, and (for a limited window) a Medicare Part B premium deduction, among others. If you have a spouse living at home, an additional Community Spouse Allowance is layered on under IDAPA 16.03.05.725. Whatever remains after these deductions is your patient liability, owed toward the cost of care. Idaho's rule doesn't separately dictate the mechanics of which checks the trustee writes first out of the trust bank account -- that's an operational question for you and your attorney, guided by the requirement (IDAPA 16.03.05.872.02.d) that trust funds go toward patient liability or HCBS participant participation.

Can I be my own trustee in Idaho?

IDHW's own rule doesn't explicitly say. This is a genuine, confirmed silence, not an oversight -- though Idaho elder-law practitioners commonly recommend a trustee other than the applicant, consistent with national norms. Confirm this directly with your drafting attorney.

Does an Idaho Income Trust need an EIN?

Generally no. Idaho's rule doesn't address tax-ID treatment at all. A trust funded only by the individual's own income is usually opened under the individual's own Social Security number. If a bank asks for an EIN out of habit, confirm the titling with your attorney and the bank.

What if my bank refuses to open the trust account?

Bank refusal is common on a first attempt. The signed trust instrument is your documentation: it is a single, dedicated account titled to the trust, with the trustee (not the individual) as the authorized signer. The guide walks you through handling first-attempt refusals and escalating to the bank's trust department if needed.

What happens to the trust after the person on Medicaid passes away?

The State of Idaho is paid first out of whatever remains in the trust, up to the total amount Medicaid has paid on the person's behalf. Estate recovery is handled by IDHW's Estate Recovery unit under Idaho Code § 56-218.

Do you offer a refund?

Yes -- money back if Idaho rejects the Income Trust for any reason traceable to following the guide. Email support@millertrustguide.com within 30 days of purchase with the agency's stated denial reason and we issue a full refund within one business day. If the agency hasn't decided within 30 days, email anyway: the guarantee still applies once you have the denial.

Will you talk to me on the phone about my situation?

No. We do not offer phone support and we do not advise on individual situations. For advice on your specific situation, consult an Idaho-licensed elder-law attorney -- you can find one through the Idaho State Bar's Lawyer Referral Service, Idaho Legal Aid Services, or your local Area Agency on Aging.

Which banks will open a Qualified Income Trust (QIT) bank account in Idaho?

There's no published list of banks that offer QIT accounts — most retail branches simply haven't opened one before, since it's an uncommon account type, not because anything is wrong with the trust itself. In practice: larger banks (Chase, Wells Fargo, Bank of America) generally have a centralized trust department that can process the request even when a branch teller can't; full-service branches (often a market's main branch) open commercial and trust-style accounts more routinely than limited-service branches; and community banks and credit unions are frequently the most willing, since their account-opening process tends to involve a human review rather than a screen-driven template. IDAPA 16.03.05.872.02 governs income and resource counting, not trust-formation or banking mechanics, and does not address EIN-vs-SSN treatment anywhere; no other Idaho-specific guidance was found either way. As with most (d)(4)(B) grantor trusts funded by the individual's own income under 42 U.S.C. § 1396p(d)(4)(B), an Income Trust is commonly opened nationally using the beneficiary's own Social Security number -- but this is not confirmed by Idaho's own policy. If a branch asks for an EIN out of habit, confirm the account titling with your attorney and the bank. The guide includes the exact script to use at the counter and a printable letter for a branch manager if the first attempt is refused.

When does Idaho Medicaid coverage begin after the Qualified Income Trust is set up?

Coverage begins the calendar month the QIT is signed, the trust account is opened, and enough of the applicant's income is deposited to bring remaining countable income below the 2026 special income limit of $3,002/month — all in the same calendar month. There is no back-dating, so every month of delay is another month of full private-pay care ($10,068–$10,707/month in Idaho). Source: IDHW IDAPA 16.03.05.872.02 ("Exempt Trusts" — Income Trust provision).

Can you set up an Idaho Miller Trust without a lawyer?

No Idaho case, statute, or bar ethics opinion specifically addresses Medicaid-planning kits or trust-drafting kits -- the closest authority, Idaho State Bar v. Meservy (1958/59), reaches personalized drafting-plus-advice for a specific person, not generic form-explainer publishing. That said, because IDHW publishes no fill-in form, drafting an Income Trust from the requirements below means producing an original legal document from scratch -- a materially different task than filling in an existing state form. For most families, that argues for an attorney: self-drafting carries more risk of missing a required clause -- including Idaho's same-month funding rule and its state payback language -- than filling in an existing form would. Budget for an attorney; this guide is what keeps that engagement efficient.

Can an attorney, paralegal, or care manager use this guide for a client?

Yes. It explains Idaho's own published Income Trust process in plain language, which works whether you're doing this for your own family member or for a client — professionals handling a case outside their usual specialty use it as a working reference this way. It doesn't replace your own judgment on a specific client's facts and isn't personalized advice; it's the same walkthrough of Idaho's official form either way. If you expect to use it across more than a handful of clients or want redistribution rights, email support@millertrustguide.com about licensing options.

Do I need a Miller Trust in Idaho?

It applies when the person who needs long-term-care Medicaid has gross monthly income over Idaho's income cap of $3,002 (income limits effective January 2026; trust and resource rules effective July 2024). Count gross income before any deductions: Social Security, pension, annuity and similar income paid in their name. It applies the same way whether you're their child, their spouse, or a professional helping them. If the income is under the cap, a Miller Trust usually isn't needed. If you're the spouse staying at home, only the applicant's own income counts toward this cap, not yours; separate federal protections, a resource allowance and, when your own income is low, a monthly income allowance, keep you from being left without enough to live on.

What if IDHW changes its requirements or the income cap after I buy?

If IDHW revises its published requirements or policy within 12 months of your purchase, email support@millertrustguide.com and we'll send the updated edition free. This page shows the date it was last verified against IDHW (August 26, 2026). The income cap is different: it's a routine yearly adjustment that follows the federal benefit rate each January, IDHW publishes the new figure, and you use it in place of the old one; the steps stay the same.

Ready to start?

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Keep reading

Step-by-step Idaho guides

New to this? What Is a Miller Trust? covers the plain-English basics — what it is, why states use different names for it, and how it differs from a Medicaid Asset Protection Trust. Below are the free operational walkthroughs that go deeper on the questions Idaho families ask most.

Free operational walkthroughs

Primary sources

State agency sources

Last verified against IDHW on August 26, 2026. Email support@millertrustguide.com if anything below conflicts with what IDHW currently publishes — we correct verified discrepancies within five business days.

Every claim here cites a primary IDHW or federal document — see them

Primary state agency sources

[1] Policy manual: IDHW policy manual (section IDAPA 16.03.05.872.02 ("Exempt Trusts" -- Income Trust provision); cross-referenced by IDAPA 16.03.05.720 (Long-Term Care Resident and Medicaid -- income/resource limits), IDAPA 16.03.05.723.03 (patient-liability deductions, incl. the ranked a.-q. order and the Medicare Part B sub-rule), IDAPA 16.03.05.725 (Community Spouse Allowance), IDAPA 16.03.05.726 (Personal Needs Supplement), IDAPA 16.03.05.871 (Treatment of Trusts), IDAPA 16.03.05.873 (Payments From an Exempt Trust), and IDAPA 16.03.09.905 (estate-recovery limitations and exclusions); federal authority 42 U.S.C. § 1396p(d)(4)(B)). This is the source for the required-provisions checklist — Idaho publishes no separate fill-in template.

Federal sources

42 U.S.C. § 1396p(d)(4)(B) — federal Medicaid statute authorizing QITs. https://www.law.cornell.edu/uscode/text/42/1396p
CMS — 2026 SSI and Spousal Impoverishment Standards. https://www.medicaid.gov/federal-policy-guidance/downloads/cib12092025.pdf . Source for the 2026 Federal Benefit Rate and the 300% figure that Idaho adds 20 to for its income cap.
SSA — 2026 SSI Federal Payment Amounts. https://www.ssa.gov/oact/cola/SSI.html . Verification of the 2026 FBR figure CMS uses to compute the 300% Medicaid long-term-care income cap.