Helping people with disabilities protect benefit eligibility since 1972



Case Studies

Consider the following situations commonly faced by individuals with disabilities and their families. NYSARC Trust Services resolved each of these circumstances through careful management.

Community Trust II - for excess monthly income

Olivia, a 75-year-old New York City resident with dementia, receives a little too much income every month from her Social Security and pension for her to qualify for Medicaid health benefits and long-term care services.

The NYSARC Community Trust II, sometimes called, "Medicaid spend-down trust", enables individuals with disabilities to continue to reside in the community while on Medicaid by depositing any excess monthly income into a trust to be used for living and other expenses.

Learn more about Community Trust II.

Community Trust I - for excess resources

James, who lives in a community residence, just received a retroactive Social Security award because of his father's work record.

The NYSARC Community Trust I is for individuals with a disability who receive a sum of money. This trust allows the individual to maintain eligibility for certain public benefits while transferring those funds into a trust to be used for his or her benefit for expenses such as customized equipment or other life-enhancing needs.

Learn more about Community Trust I.


Third Party Community Trust

MaryAnn is a mother with two children and her son Alan is bipolar and unable to work or live independently without support. He receives Medicaid benefits and may need SSI in the future. He and his sister are not very close and MaryAnn is concerned about who will manage a trust for her son when she dies and can no longer support him financially.

The Third Party Community Trust is an irrevocable pooled trust that is managed by a non-profit organization. She can establish the trust during her lifetime to receive funds from her estate, life insurance and retirement accounts upon her death. She funded the trust with a minimum of $10,000 and worked with an attorney to name the trust in her estate planning documents and as the beneficiary of any other assets that Alan will inherit.

Learn more about the Third Party Community Trust.


NYSARC Trust (Unrestricted Fund)

Mr. and Mrs. Smith have spent years caring for their son, Willie, who was born with developmental disabilities. Now they would like to put some funds aside for his future use.

The NYSARC Unrestricted Fund is a third-party pooled fund that allows parents and loved ones to provide a sum of money (current minimum funding is $25,000) that can be used to enhance the life of their loved one with intellectual or developmental disabilities without causing an interruption in the benefits that he or she is receiving.

Learn more about the NYSARC Trust Unrestricted Fund.

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