---
title: "Alaska Long-Term Care Planning | Funding LTC Marketplace"
url: https://fundingltcmarketplace.com/states/alaska/long-term-care-planning/
description: "Alaska LTC planning: Miller Trusts, Native-property rules, the five-year transfer review, locally variable penalty rates and transfer-on-death deeds."
last_updated: 2026-10-20
author: George A. Mellendorf, CLTC, LTCP (Central States Insurance Services, Inc.)
publisher: Funding LTC Marketplace
note: Educational content; not legal, tax or financial advice. Markdown copy of the HTML page at the URL above.
---
Alaska · Planning Ahead

# Alaska Long-Term Care Planning

Last updated 2026-10-20

Planning in Alaska should begin with the income-cap rule rather than a generic spend-down strategy. A current 2026 reference reports a $2,982 monthly individual income limit and a $2,000 countable-resource limit for Nursing Home Medicaid and HCBS waivers, and it notes that someone over the income limit may use a Qualified Income Trust — a tool a 2025 presentation identifies specifically as a Medicaid Qualifying Income Trust, or Miller Trust, and explicitly not a resource shelter.

Alaska Law Help describes the Miller Trust as irrevocable, funded only with income rather than resources, and generally required to pay any remaining funds to the state when the beneficiary dies. That structure makes it worth reviewing carefully before an application goes in — it functions nothing like a simple checking account or a general estate-planning trust.

## Alaska figures

- 2026 monthly income limit: $2,982
- 2026 individual resource limit: $2,000

## Sources and official resources

- [Alaska Department of Health: Apply for Medicaid](https://health.alaska.gov/en/services/division-of-public-assistance-dpa-services/apply-for-medicaid/)
- [CMS: 2026 SSI and Spousal Impoverishment Standards](https://www.medicaid.gov/federal-policy-guidance/downloads/cib04272026.pdf)

Rules and figures change. Confirm current details with the agency before you act.

[← Back to the full Alaska guide](https://fundingltcmarketplace.com/states/alaska/)