---
title: "Kentucky Medicaid Long-Term Care | Funding LTC Marketplace"
url: https://fundingltcmarketplace.com/states/kentucky/medicaid-long-term-care/
description: "How Kentucky Medicaid’s LTSS division coordinates nursing facilities, 1915(c) waivers, PACE, and transition services."
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.
---
Kentucky · Medicaid Program

# Kentucky Medicaid Long-Term Care

Last updated 2026-10-20

**Quick answer:** Kentucky Medicaid covers long-term care through nursing facilities, 1915(c) home- and community-based waivers, PACE and Kentucky Transitions. The 2026 special income standard is $2,982 a month; above that, a Qualifying Income Trust (Miller trust) is the route.

Kentucky Medicaid's Division of Long-Term Services and Supports (LTSS) is the office responsible for coordinating continuing-care options for people whose needs stem from age, a medical condition, or a disability. The state's published menu is broad: nursing facilities, 1915(c) home- and community-based waivers, PACE for qualifying people 55 and older who need a nursing-facility level of care, and Kentucky Transitions for people moving out of institutional settings.

That range matters because Kentucky doesn't fold everything into one generic "nursing-home Medicaid" benefit. The state describes nursing facilities as serving people who need facility-based skilled nursing care or rehabilitation, while the various waiver programs are built for people with disabilities who need that same nursing-facility level of care but want to stay at home or in the community instead.

For anyone on the institutional or waiver track, Kentucky applies a special income standard of $2,982 a month in 2026. Someone above that standard can look to a Qualifying Income Trust, commonly known as a Miller trust, though it has to be established and funded according to Kentucky's specific rules rather than treated as an informal spend-down mechanism.

## Kentucky figures

- 2026 special income standard: $2,982/month

## Sources and official resources

- [Kentucky Medicaid: Nursing Facility Services](https://www.chfs.ky.gov/agencies/dms/provider/Pages/nursingfacilities.aspx)
- [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 Kentucky guide](https://fundingltcmarketplace.com/states/kentucky/)