Pooled Trust
for Age 65 and Over
For seniors who need to keep Medicaid while covering essential living expenses
Supporting Your Next Chapter
Designed for Individuals Age 65 and Over
For individuals over 65 who rely on Medicaid, income limits can create difficult choices. This First-Party Pooled Supplemental Needs Trust offers a compliant way to place excess income or certain assets into trust so you can remain eligible for benefits.
If you receive Community Medicaid or have a monthly spenddown, this trust may help you meet program requirements while continuing to cover important living costs.
Who this Trust is for:
Individuals living with a disability
Adults age 65 and older
People with income above Medicaid limits
✔ Those with a monthly Medicaid spenddown
✔ Individuals seeking a compliant income management solution
✔ People who want to remain living independently
Built Around Your
Everyday Needs
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As we get older, managing income while keeping Medicaid can feel stressful and confusing. If your monthly income is over the Medicaid limit, this Pooled Trust will offer a safe and reliable solution to help you stay on track with Medicaid rules while continuing to pay for the essentials that make daily life possible.
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Important things to know:
– Funded with your income or assets, including SSDI
– Funds stay in the trust to be used safely for you
– Paid directly to approved vendors and services
– Funds cannot be paid directly to you as cash
– Expenses follow Medicaid rules to protect your benefits
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.
Helping You Stay Independent
For many people, staying in their own home and maintaining daily routines is more than a preference — it’s essential for comfort, dignity, and quality of life. A Pooled Trust helps make that possible by managing income and paying for necessary expenses directly, so individuals can continue living safely and comfortably at home.
At the same time, the trust carefully follows Medicaid rules, helping you keep your benefits intact while using your income for approved needs. This dual protection allows you to maintain both your independence and your eligibility for the support you rely on, giving peace of mind to you and your loved ones.
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.
Let’s plan your peace of mind.
Every journey begins with one step. Reach out today, and let’s build a trust that supports your independence and dignity.