Community Trust II

Medicaid Pooled Trust

Pooled Trust for Monthly Income

Community Trust II is a pooled supplemental needs trust (SNT) that allows people with disabilities and older adults seeking Medicaid home care and other community-based 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.

Review Documents

Steps to Establish

Fee Calculator

Financial Management
Admin Cost
Approx. Monthly Cost*:
*See current fee schedule for more information.

Why join a pooled income trust?

Medicaid in New York provides health benefits and home care services. It will cover medical services that your Medicare benefits do not provide and allow you to receive those services from the comfort of your own home.

If your income is too high to qualify for Medicaid benefits, putting those funds into a pooled trust allows you to use that money for non-medical expenses like your monthly bills. This makes it possible for you to get the care you need, while the trust helps pay your expenses so that you can live at home for as long as possible.

The ultimate goal being to help New Yorkers live in the community, among their families and loved ones, rather than going into a nursing home.


Benefits of a Pooled Income Trust

  • Qualify and maintain financial eligibility for Medicaid home care and other community-based services
  • Use trust funds to pay monthly living expenses and make life-enhancing purchases
  • Live independently in the community for as long as possible
  • Receive care and therapy services from the comfort of your home
  • Get assistance with activities of daily living
  • Medicaid pays for medical expenses that Medicare does not cover
  • Provide respite and financial relief to family caregivers
Image of older man with a cane sitting on stool next to his wife
Case Study

David’s Medicaid Spend-down

David lives at home with his wife Mary. He has Parkinson’s disease and mild cognitive decline. Mary wants to keep him home as long as possible, but she is struggling to provide the care he needs without some support.

By establishing a pooled trust with NYSARC, David is able to qualify for Medicaid to pay for home care services even though his income is too high to qualify. The funds he deposits into the trust can then be used to pay his monthly living expenses so that he can live at home with his wife for as long as possible.

Image of older man being served a hot beverage while reading a book
Case Study

Spend-down Assets and Monthly Income

Michael lives independently and receives Medicaid community services. He is retired and his monthly income from Social Security and his retirement account are too high for Medicaid.

He establishes a Community Trust II account and makes monthly deposits electronically from his bank account. This meets his Medicaid spend-down requirement and allows him to use that money to pay his monthly living expenses and make purchases that will give him a better quality of life.

Join the NYSARC
Mailing List

Sign up for email updates about important industry topics, policy changes, new services, and other information!

Sign Me Up!

Contact Us!

PO Box 1531
Latham, NY 12110
Phone: (518) 439-8323 Fax: (518) 439-2670
Contact Us