---
title: "Arizona Long-Term Care Planning | Funding LTC Marketplace"
url: https://fundingltcmarketplace.com/states/arizona/long-term-care-planning/
description: "Arizona planning centers on ALTCS's income-cap/Miller-trust rules, county-rate transfer penalties, beneficiary deeds, and Partnership protection."
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.
---
Arizona · Planning Ahead

# Arizona Long-Term Care Planning

Last updated 2026-10-20

The single most distinctive feature of Arizona planning is the Income-Only Trust, better known as an income-cap or Miller trust. AHCCCS's policy allows this trust to bring an applicant under the 300%-of-FBR gross-income test — $2,982 a month for an individual under the February 2026 chart — but the trust can only ever receive the applicant's income, never resources.

The technical requirements go further than simply opening an account. The IOT has to be funded with all or part of the person's current monthly income, must start with a zero balance, and generally has to keep the income assigned both inside and outside the trust at or below the applicable geographic private-pay rate — though the policy allows a case-by-case hardship exception. Because of these specifics, trust drafting and funding decisions deserve review before any income actually gets routed through one.

## Arizona figures

- ALTCS income cap (300% FBR): $2,982/month for an individual

## Sources and official resources

- [AHCCCS: ALTCS coverage for long-term care needs](https://www.azahcccs.gov/Members/GetCovered/Categories/ALTCS.html)
- [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 Arizona guide](https://fundingltcmarketplace.com/states/arizona/)