Special Needs Answers
Directory of Pooled Trusts
Medicaid and SSI law permit "(d)(4)(C)" or "pooled trusts"
for beneficiaries with special needs. Such trusts pool the
resources of many beneficiaries, and those resources are
managed by a non-profit association. Unlike individual
disability trusts, which may be created only for those
under age 65, pooled trusts may be for beneficiaries of any
age and may be created by the beneficiary herself.
In addition, at the beneficiary's death the state does not have to be repaid for its Medicaid expenses on her behalf as long as the funds are retained in the trust for the benefit of other disabled beneficiaries. (At least, that's what the federal law says; some states require reimbursement under all circumstances.) Although a pooled trust is an option for an individual over age 65 who is receiving Medicaid or SSI, those over age 65 who make transfers to the trust may incur a transfer penalty, depending on their state of residence. Following is a listing of pooled trusts around the nation. This list will be supplemented as we learn of additional pooled trusts.
Pooled trusts operating in all states
- Anchor For Special Needs, Inc. »
- Camphill Resident’s Trust »
- Commonwealth Community Trust (except CT and CO) »
- CPT Institute (except CT and NM) »
- Family Network on Disabilities National Pooled Trust »
- Legacy Enhancement Trust »
- National Planned Lifetime Assistance Network »
- Nonprofit Pooled Trust »
- Secured Futures Pooled Trust »
- Securet Trust »
- Visible National Trust »
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
District of Columbia
Florida
Georgia
Hawaii
Illinois
Indiana
Iowa
Kansas