The starting point for any Nevada long-term-care plan is the income cap, because it changes which tools are even on the table. Current 2026 guidance puts the monthly limit for a single Nursing Home Medicaid or HCBS waiver applicant at $2,982, and anyone above that figure typically needs a Qualified Income Trust — also known as a Miller trust or income-cap trust — to become eligible. That trust is strictly a technical mechanism for meeting the income test; it doesn't substitute for the separate work of reviewing resources or past transfers.
From there, the plan has to separate income considerations from resource considerations, since Nevada treats them differently. DWSS's resource policy holds the line at $2,000 for an individual and $3,000 for a couple in institutional and waiver cases. But when only one spouse is applying, the more relevant figure is usually the Community Spouse Resource Allowance, which current guidance lists at a 2026 maximum of $162,660 — meaning a married household's actual resource math depends on that CSRA calculation, not the flat $3,000 figure alone.