Helping people with disabilities protect benefit eligibility since 1972



Pooled Income Trust Medicaid

Community Trust II: for Medicaid Spend-down

Community Trust II is a pooled supplemental needs trust (SNT) that allows people with disabilities and older adults seeking home care and other long-term care services to spend-down monthly income that exceeds the Medicaid financial limits.

This trust program enables people with disabilities to utilize this portion of their income, which Medicaid would otherwise require to be "spent down on medical needs", to pay for living expenses such as rent, utility bills, food, clothing, and other personal needs that are for the primary benefit of the beneficiary.

Trust Documents:

Joinder Agreement (trust application)
Fee Schedule
Information and Procedures

Trust Application Download

How does a pooled trust work?

You can set up monthly electronic deposits from your bank account or send a check each month to pay your spend-down to the trust. The income you deposit into a pooled trust each month is disregarded when determining Medicaid eligibility, thereby allowing you to qualify for Medicaid home care and other community-based services. 

The trust deducts monthly fees to administer the account and pay your bills. The remaining money from your deposit can pay things like your rent, mortgage, and other monthly living expenses so that you can live at home for as long as possible.

You can use this money through out your life time to pay eligible expenses and purchase items and services that are for your primary benefit. Under Federal statute, upon the beneficiary's death, any funds in the account are retained by the trust to support other people with disabilities served by The Arc New York or paid to the State(s) who provided care to the individual.

Watch this video to learn how this beneficiary used a pooled trust to qualify for Medicaid and get care at home!

For more information, please reference our Frequently Asked Questions or give us a call at (518) 439-8323. We would be happy to assist you!

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