Is a Mller Trust allowed and/or beneficial in your state?
[
edit: oops - It looks like you are in Texas and these are indeed allowed and beneficial - I guess my experience is probably irrelevant].
When I looked into this, I realized that in my state (Michigan), Miller trusts are not allowed, but the whole problem that they were designed to solve (monthly income spend down for Medicaid SNF) was not an issue in my state.
Nolo talks a bit about these
at this site.
FWIW, I read the following book which was available in my local library and it helped to bring me up to speed on these issues.
How to protect your family's assets from devastating nursing home costs : Medicaid secrets