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Miller Trust Guide
TN · Requirements Guide

Tennessee Qualified 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 $9,429–$10,038 month of private-pay care goes by.

A Tennessee Qualified Income Trust (Miller Trust) is an irrevocable trust used to qualify a Medicaid applicant whose monthly income exceeds the Tennessee long-term-care income cap of $2,982 per month (effective May 1, 2026 (TennCare ABD Trusts Policy 110.055 revision)). Tennessee does not publish a fill-in QIT form — the trust must be drafted (by an attorney, or by you where permitted) to meet TennCare's published requirements (ABD Trusts Policy 110.055 §4.h). Medicaid eligibility begins the month the trust is signed and funded — there is no retroactive effect, and every month of delay is another month of full private-pay care ($9,429–$10,038/mo in Tennessee). This guide is the requirements checklist and operational walkthrough most families need: $97, instant download, money-back if TennCare rejects the trust for a reason traceable to following the guide.

Tennessee 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 TennCare'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 TennCare's own published policy, with the citation behind each claim.

From the author

I built this after spending weeks helping a family member set up a Miller Trust. Two attorneys quoted $1,500 and $2,200 with a six-week wait — most of that billed for research we could have handed them ourselves; and the bank refused to open the account twice after the trust was signed. That second refusal is the one that got to me — the trust was already signed, already correct, and we were still stuck over a bank's own unfamiliarity with it. The gap between "an attorney drafted something" and a funded account that actually starts Medicaid coverage is where families lose a month they can't get back — and closing that gap is the whole reason this guide exists.

Researcher, not an attorney

  • Built on TennCare's own .gov template
  • Every claim cited to TennCare policy
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  • Money-back if the trust is rejected

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

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$9,429–$10,038 a month, Tennessee 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 Tennessee private-pay care runs $9,429–$10,038 a month, so every 30 days of delay is a five-figure check out of pocket.

The 2026 Tennessee income cap

Income cap, single applicant
$2,982/mo
Personal needs allowance
$70/mo
Tennessee private-pay care
$9,429–10,038/mo

Setting up a Miller Trust in Tennessee starts with one number — the income cap. The Tennessee 2026 Medicaid long-term-care income limit is $2,982/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 Tennessee is $70/month. Source: TennCare ABD Trusts Policy 110.055 §4.h [1].

What's in the Tennessee 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 Tennessee branches have never opened a Miller Trust account and refuse on first request. The guide includes a verbatim script citing ABD Trusts Policy 110.055 §4.h [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 TennCare denial traps and how to avoid each one. Every trap cites the exact TennCare 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 $2,982 so you know exactly how much income to redirect each month.
  • The 8-item required-provisions checklist, cited to TennCare's own published policy — Tennessee 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 Tennessee doesn't publish a fill-in form, the attorney has to draft the trust either way — the question is whether they research TennCare's requirements on your bill, or you hand them the requirements up front. This guide is the research: the 8-item checklist, the funding rule, the bank-refusal script, and the 6 TennCare 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 a Tennessee 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.

How it works in Tennessee

  1. Confirm income is over the $2,982 cap Gross monthly income, from every source.
  2. Have the trust drafted to TennCare's requirements Tennessee doesn't publish a fill-in form.
  3. Name a trustee and open the trust account A dedicated bank account titled to the trust.
  4. Fund it in the same calendar month Eligibility starts that month, never earlier.

Full step-by-step walkthrough →

The funding-month rule

  1. September Trust not funded Private pay: $9,429–$10,038 for the month.
  2. October Sign, open, deposit Trust signed, account opened and income deposited, all this month. Eligible from October.
  3. 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 Tennessee 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

Tennessee 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 $9,429–$10,038/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 Tennessee elder-law retainers for a Miller Trust setup. Private-pay nursing-home figures reflect recent Tennessee 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 Tennessee 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 TennCare 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 a Qualified Income Trust account before.
  • Branch wants to know who is authorized to sign.
  • Branch questions why certain fees can't be deducted from the account.

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

The thing that saves a second trip: bring the printed TennCare 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.

If TennCare rejects the trust, you pay nothing.

Email the agency's stated denial reason to support@millertrustguide.com within 30 days of purchase and we refund the full purchase price within one business day. 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 Tennessee denial reasons

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

Trust is revocable, or the grantor retains modification power
TennCare's policy requires the Trust be irrevocable, modifiable only by the trustee or a court, and only to preserve eligibility. A Trust the grantor can amend or revoke fails outright. — ABD Trusts Policy 110.055 §4.h.iv
Income outside the Trust still exceeds the income limit
The amount NOT placed in the Trust must be at or below TennCare's income limit. If it isn't, the individual is ineligible regardless of how much income the Trust holds -- a common mistake when a source is only partially diverted. — ABD Trusts Policy 110.055 §4.h.ii
Missing or defective State-of-Tennessee payback clause
The Trust must direct that, on death or termination, the State receive all remaining funds up to the total TennCare benefits paid on the individual's behalf, with an accounting. A missing, weakened, or capped payback clause fails this requirement. — ABD Trusts Policy 110.055 §4.h.iv
Trust pays a disallowed expense
TennCare's policy explicitly bars the Trust from paying trustee fees, attorney fees or costs, accountant fees, court fees or costs, guardian ad litem fees, funeral expenses, past-due medical bills, or other debts. Paying any of these out of the Trust is a documented compliance failure, not a gray area. — ABD Trusts Policy 110.055 §4.h.vii
Trust income isn't distributed under the required monthly process
The trustee must distribute essentially all Trust income each month (minus the small trust-expense allowance) through the allowable-payment categories. Letting income sit unspent outside that process, or applying it to something outside the defined list, is a failure point. — ABD Trusts Policy 110.055 §4.h.iv-v
Trust benefits someone other than the individual and the State
The Trust's sole beneficiaries must be the individual and the State of Tennessee. Naming any other beneficiary, or structuring payments to benefit a third party outside the allowable list, breaks the Trust's validity. — ABD Trusts Policy 110.055 §4.h.iv

Before you go to the Tennessee 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 3 weeks (why most denials are paperwork not eligibility, the trustee role, when to call an attorney) — then we stop. No ongoing newsletter.

Email only — we never ask for income, age, or family details, and never sell your address.

The author

Who's behind this

I'm — the person who hit the gap between an attorney-drafted document and a funded Medicaid trust (the short version is up top) and built this guide to close it. I'm not an attorney. I'm a researcher who has now read every TennCare 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 a Tennessee-licensed attorney.

Questions

Frequently asked questions

Is the Tennessee Qualified Income Trust Kit legal advice?
No. This kit is informational only and is not legal advice. We are not attorneys and we do not practice law. TennCare does not publish a fill-in trust form, so the kit teaches you exactly what TennCare's own ABD Trusts policy 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 a Tennessee-licensed elder-law attorney.
Does TennCare provide an official Qualified Income Trust form?
No. TennCare's ABD Trusts policy (110.055) spells out in detail what a compliant trust must do -- irrevocable, a defined distribution and payment process, and a State-of-Tennessee payback clause -- but does not attach a sample or fill-in instrument. The trust must be drafted, by an attorney or by you where Tennessee law permits, to meet the requirements this kit lays out.
What does the kit include?
A requirements-and-operations guide: the required-provisions checklist derived from TennCare's own ABD Trusts policy with a citation for each item, guidance on gathering the information an attorney needs before your first meeting, the monthly funding and distribution worksheet, the bank-account walkthrough, and Tennessee-specific denial-avoidance guidance. 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 kit tells you exactly what TennCare requires the finished trust to contain; drafting it is your attorney's work (or, where permitted, your own).
Who needs a Qualified Income Trust in Tennessee?
A person applying for TennCare Medicaid long-term services and supports -- nursing facility care, or a CHOICES/ECF CHOICES home and community-based services waiver -- whose gross monthly income is above the 2026 income limit of $2,982/month (single) but who would otherwise qualify. Both nursing-facility and HCBS applicants are tested against the same income standard.
How much of my income goes into the trust?
Enough to bring the income you keep outside the trust to at or below TennCare's income limit. You may direct some or all of your income into the trust, but the amount left outside it must be at or below the limit, or you remain ineligible regardless of what's in the trust.
What if my bank refuses to open the trust account?
Bank refusal is common on a first attempt because most branch staff have never opened a Qualified Income Trust account. The kit covers the most common refusal types — an EIN demand, confusion about what kind of account it is, uncertainty over who's authorized to sign, and questions about which fees can't be deducted — and the TennCare ABD Trusts policy facts that resolve each. If your branch still can't accommodate it, ask for the trust department or a full-service branch; community banks and credit unions are often more flexible.
Can I be my own trustee in Tennessee?
TennCare's own policy doesn't explicitly say. A Tennessee legal-aid resource states the trustee must be someone other than the applicant, consistent with general trust law's caution against a sole beneficiary also serving as sole trustee. Confirm this directly with your drafting attorney.
Does a Tennessee Qualified Income Trust need an EIN?
TennCare's policy doesn't address this. Practitioner sources describe Tennessee QITs as generally opened under the beneficiary'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 can the trust actually pay for?
TennCare's policy limits Trust payments to a defined list: the individual's Personal Needs Allowance, a small trust-expense deduction, spousal/dependent allowance if applicable, non-TennCare health insurance premiums, and specific approved non-covered medical costs. It explicitly bars trustee fees, attorney fees, accountant fees, court costs, funeral expenses, and other debts from being paid out of the Trust.
Is Social Security counted before or after the Medicare Part B premium for Tennessee's income cap?
Before. TennCare's own income policy (ABD Income Overview, Policy 110.005) counts income at its gross amount, and specifically names Medicare premium withholding as an amount that still counts as received. So the income-cap/trust-funding test uses your full Social Security amount, not the lower amount that hits your bank account after Part B is withheld. The Part B premium is only deducted later, as one of TennCare's post-eligibility deductions from total income when your monthly patient liability (cost-of-care contribution) is calculated -- and TennCare's rule (Post-Eligibility Treatment of Income, Policy 125.020) does not allow that deduction at all if you're SSI-eligible or enrolled in a Medicare Savings Program (QMB, SLMB, QI, or QDWI), since Medicaid or the state is already covering that premium in those cases.
What is TennCare's official order for deducting income before patient liability is calculated?
TennCare's Post-Eligibility Treatment of Income policy (Policy 125.020) sets out a specific ranked order of deductions from total income: (1) the Personal Needs Allowance, (2) mandatory expenses such as garnishments, court-ordered support, and the trust's own administrative fee, (3) the Community Spouse Income Maintenance Allowance if applicable, (4) the Dependent Income Maintenance Allowance if applicable, (5) health insurance premiums, coinsurance, and deductibles, (6) incurred medical expenses not covered by TennCare, and (7) any carried-forward incurred medical expense amount not previously deducted. What's left after these seven deductions is the patient liability amount owed to the nursing facility or, for a QIT, paid from the trust toward the facility's cost of care under the trust's own required distribution process.
Do you offer a refund?
Yes -- money back if TennCare rejects the Qualified Income Trust for any reason traceable to following the kit. 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.
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 a Tennessee-licensed elder-law attorney -- you can find one through the Board of Professional Responsibility's Lawyer Referral Services listing, or through Legal Aid of East Tennessee, Memphis Area Legal Services, or West Tennessee Legal Services.
Do you need an EIN to open a Tennessee Miller Trust account?
TennCare's ABD Trusts policy is silent on tax-ID treatment -- it does not mention an EIN anywhere in Policy 110.055. As a trust composed of the individual's own income under 42 U.S.C. § 1396p(d)(4)(B), a Tennessee QIT is generally described by practitioner sources as opened using the beneficiary's Social Security number rather than a separate EIN, consistent with how most (d)(4)(B) grantor trusts are banked nationally -- but this isn't confirmed by TennCare's own policy either way. If a branch asks for an EIN out of habit, confirm the account titling with your attorney and the bank.
Who can serve as trustee of a Tennessee Miller Trust?
TennCare's ABD Trusts policy (110.055) never explicitly states that the trustee must be someone other than the individual -- it consistently treats "trustee" and "individual"/"grantor" as separate roles throughout ("the trustee shall distribute," "the trustee or a court... shall have the right to modify"), but doesn't spell out a bar on self-trusteeship in so many words. A Tennessee legal-aid resource (help4tn.org, a program of the Tennessee Alliance for Legal Services) states directly that the Trustee must be someone other than the applicant -- consistent with general trust law's caution against a sole beneficiary also serving as sole trustee (the "merger" doctrine, which can collapse a trust back into an ordinary asset), but this is not TennCare's own primary-source language. Confirm the trustee question directly with your drafting attorney -- this kit does not treat self-trusteeship as either explicitly permitted or explicitly barred by the state's own policy text.
Which banks will open a Qualified Income Trust (QIT) bank account in Tennessee?
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. TennCare's ABD Trusts policy is silent on tax-ID treatment -- it does not mention an EIN anywhere in Policy 110.055. As a trust composed of the individual's own income under 42 U.S.C. § 1396p(d)(4)(B), a Tennessee QIT is generally described by practitioner sources as opened using the beneficiary's Social Security number rather than a separate EIN, consistent with how most (d)(4)(B) grantor trusts are banked nationally -- but this isn't confirmed by TennCare's own policy either way. 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 Tennessee 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 $2,982/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 ($9,429–$10,038/month in Tennessee). Source: TennCare TennCare ABD Manual, Policy No. 110.055, Chapter "ABD Trusts," Section 4.h ("Qualified Income Trust (QIT) or Miller Trust"), effective 05/01/2026; Tenn. Comp. R. & Regs. 1200-13-20-.06(h) ("Qualifying Income Trusts (QIT) for Institutional and ECF CHOICES Applicants"); cross-referenced by 1200-13-20-.08(5) (Aged, Blind or Disabled Categories) and by Policy No. 115.015, "Institutional Medicaid" (revised 01/05/2026), which states the Medicaid Income Cap (MIC) directly: "The MIC is $2,982 effective 01/01/2026"; federal authority 42 U.S.C. § 1396p(d)(4)(B).
What happens to the money in a Tennessee Miller Trust when the beneficiary dies?
On the individual's death, or whenever the Trust is no longer required to establish or maintain TennCare Medicaid eligibility (including when nursing facility or HCBS care is no longer medically necessary or being received), the Trust terminates. The trustee must then pay the State of Tennessee all amounts remaining in the Trust, up to the total TennCare medical assistance paid on the individual's behalf, along with a full accounting of the Trust's payments. TennCare's ABD Trusts policy names a dedicated Estate Recovery Unit for Special Needs and Pooled Trusts elsewhere in the same manual chapter, but does not state in the QIT subsection itself which office processes a QIT's final payback -- confirm the correct unit and any required paperwork with TennCare or your attorney before distributing any remaining balance, and keep proof of payment in the Trust file. TennCare does not publish a separate residuary remittance form for QITs.
Can you set up a Tennessee Miller Trust without a lawyer?
TennCare's ABD Trusts policy does not state whether a Qualified Income Trust must be attorney-drafted, and no Tennessee case or bar opinion specifically addresses QIT kits (see the UPL notes). But because TennCare publishes no fill-in instrument, drafting an original trust from the requirements below is, in practice, an attorney task for most families -- self-drafting an original legal instrument carries materially more risk of missing a required clause than filling in an existing state form would. Budget for an attorney; this kit is what keeps that engagement efficient.
Can an attorney, paralegal, or care manager use this guide for a client?
Yes. It explains Tennessee's own published Qualified 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 Tennessee'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.

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Keep reading

Step-by-step Tennessee 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 Tennessee families ask most.

Free operational walkthroughs

Primary sources

State agency sources

Last verified against TennCare on 2026-08-08. Email support@millertrustguide.com if anything below conflicts with what TennCare currently publishes — we correct verified discrepancies within five business days.

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

Primary state agency sources

  • [1] Policy manual: TennCare policy manual (section TennCare ABD Manual, Policy No. 110.055, Chapter "ABD Trusts," Section 4.h ("Qualified Income Trust (QIT) or Miller Trust"), effective 05/01/2026; Tenn. Comp. R. & Regs. 1200-13-20-.06(h) ("Qualifying Income Trusts (QIT) for Institutional and ECF CHOICES Applicants"); cross-referenced by 1200-13-20-.08(5) (Aged, Blind or Disabled Categories) and by Policy No. 115.015, "Institutional Medicaid" (revised 01/05/2026), which states the Medicaid Income Cap (MIC) directly: "The MIC is $2,982 effective 01/01/2026"; federal authority 42 U.S.C. § 1396p(d)(4)(B)). This is the source for the required-provisions checklist — Tennessee publishes no separate fill-in template.
  • Institutional Medicaid -- Categories of Eligibility (Policy 115.015): TennCare — Institutional Medicaid -- Categories of Eligibility (Policy 115.015) . Defines the Aged/Blind/Disabled institutional-eligibility categories a QIT applicant must also satisfy -- nursing facility care, or a CHOICES/ECF CHOICES Home and Community Based Services waiver -- and confirms LTSS payments require an approved Pre-Admission Evaluation (PAE). States the Medicaid Income Cap directly, by TennCare's own acronym: 'The MIC is $2,982 effective 01/01/2026.' Confirms QIT applicants are drawn from this same institutional-eligibility population, not a separate track, and that QIT deductions don't apply to the separate 'Institutional Medicaid Hospital' subcategory (no LTSS/CHOICES eligibility there).
  • TennCare CHOICES in Long-Term Services and Supports (Policy 130.005): TennCare — TennCare CHOICES in Long-Term Services and Supports (Policy 130.005) . Describes the CHOICES program groups by care setting and Level of Care -- Group 1 (nursing facility) and Groups 2-3 (HCBS) -- confirming the QIT applies across both settings under one LTSS delivery structure administered by TennCare's LTSS Unit.
  • ABD Countable and Excluded Resources (Policy 110.050): TennCare — ABD Countable and Excluded Resources (Policy 110.050) . Governs how trust principal is treated as a resource generally, cross-referenced by the ABD Trusts chapter's own accessibility rules for revocable and irrevocable trusts other than a valid QIT.
  • Post-Eligibility Treatment of Income (Policy 125.020): TennCare — Post-Eligibility Treatment of Income (Policy 125.020) . The actual source of TennCare's ranked, numbered deduction order applied to total income when calculating patient liability (a broader, differently-scoped list than the QIT-specific allowable-payments list in ABD Trusts §4.h.v) -- and the rule that the Medicare Part B/C/D premium deduction is barred entirely for individuals who are SSI-eligible, an SSI Pickle/DAC pass-along, or enrolled in a Medicare Savings Program (QMB, SLMB, QI, or QDWI).

Federal sources