Pooled Trust for Friends & Family
A caring way to provide financial support without affecting essential benefits.
Protecting Their Tomorrow
Designed for Families Who Plan Ahead
Planning for a loved one with disabilities means balancing care with practical protection. A Third-Party Family-Funded Trust allows parents, relatives, or other supporters to set aside assets in a way that does not interfere with important benefits like Medicaid or SSI.
Because the trust is funded by someone other than the beneficiary, the assets are structured to protect eligibility while still enhancing quality of life. It provides a clear, responsible framework for long-term financial support, giving families both confidence and peace of mind.
Who this Trust is for:
Parents of children with disabilities
Grandparents and extended family members
Families working with attorneys or financial advisors
✔ Individuals who want assets used to enhance quality of life, not replace public benefits
✔ Loved ones creating or updating an estate plan
✔ Those seeking long-term peace of mind
A Plan That
Protects the Future
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This trust lets you set aside money to help your loved one live a fuller, more comfortable life, while keeping the benefits they depend on, like Medicaid and SSI, safe. It provides a structured, reliable way to plan for the future and make sure their needs are taken care of, without risking eligibility for public support.
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Important things to know:
– Funded by someone other than the beneficiary
– Can be created during your lifetime or through your will
– Contributions cannot be reversed once made
– Paid directly to approved vendors and services
– Money in the trust supplements benefits — it doesn’t replace them
– After the beneficiary passes away, most of the remaining funds (85%) can go to people or causes you choose, and a portion (15%) helps other individuals in the trust
Approved trust funds can be used to cover everyday needs that support your well-being, while still following Medicaid guidelines.
Common approved expenses:
✔ Housing and utilities
✔ Phone, internet, and cable
✔ Transportation and essential errands
✔ Personal care needs
✔ Approved medical and living expenses
All payments are made directly to vendors or providers.
How a Supplemental Needs Trust Can Help
A Supplemental Needs Trust, often called an SNT, helps people with disabilities keep important benefits like Medicaid or SSI while still getting support for daily living. These benefits have strict limits on income and savings, and an SNT offers a safe way to stay within those rules.
An SNT is not a bank account. Instead, funds are managed for you, and approved bills are paid directly on your behalf. This helps reduce stress, keeps everything in line with benefit rules, and gives you peace of mind knowing support is there when you need it.
A Trusted Way to Keep Medicaid Benefits
A pooled trust is designed for people with disabilities who need a safe way to use income without losing Medicaid coverage. It can accept deposits of income or assets, including Medicaid spenddown funds, and then use those funds to pay approved expenses on your behalf.
This helps you stay within Medicaid rules while still covering important costs like housing, utilities, and other essential needs. Many people have used this option to remain in their homes and maintain independence, rather than needing more intensive care.
We’ll be your steady support, while you focus on what matters most
Medicaid rules and trust requirements can feel confusing — but you don’t have to manage them alone. Our team helps you complete all the necessary forms, reviews everything for accuracy, and explains each step in plain language.
You’ll never feel rushed or left alone — we’re here to support you at every step.