---
title: "Ohio Long-Term Care Planning | Funding LTC Marketplace"
url: https://fundingltcmarketplace.com/states/ohio/long-term-care-planning/
description: "Ohio planning must account for its income-cap model, Qualified Income Trusts, transfer rules, expanded estate recovery, and Partnership policies."
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.
---
Ohio · Planning Ahead

# Ohio Long-Term Care Planning

Last updated 2026-10-20

Because Ohio uses a Special Income Level model instead of an unlimited spend-down, planning conversations here look different from states with open-ended income rules. The 2026 individual SIL of $2,982 per month is the number that determines whether someone needs additional planning tools just to qualify.

For income that exceeds that threshold, Ohio permits a Qualified Income Trust — often called a Miller Trust — as a regulatory workaround. It's a narrow, technical tool built to satisfy Ohio's specific income-eligibility rules, not a substitute for a comprehensive financial plan that also accounts for transfer timing, estate recovery exposure, and available insurance.

A complete Ohio plan typically weighs the state's expanded estate-recovery reach, the 60-month look-back window, the mechanics of the Transfer on Death Designation Affidavit, and whether a Partnership-qualified long-term-care insurance policy makes sense given the family's timeline.

## Ohio figures

- Special Income Level (2026): $2,982/month

## Sources and official resources

- [Ohio Administrative Code: Rule 5160-3-02.3, Nursing Facilities](https://codes.ohio.gov/ohio-administrative-code/rule-5160-3-02.3)
- [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 Ohio guide](https://fundingltcmarketplace.com/states/ohio/)