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Frequently Asked Questions
- Is there a connection between public benefits and income?
- What services are not provided by public benefit programs?
- Will making gifts or leaving an inheritance to my disabled child cause problems with SSI or Medicaid coverage?
- How can I provide my child with some money for financial security and not jeopardize his SSI or Medicaid benefits?
- How will a Special Needs Trust protect my loved one's government benefits?
- How do I go about setting up a Special Needs Trust for a disabled family member?
- What are the primary advantages of opening an account with the Maine Trust for People with Disabilities as opposed to setting up an individual Special Needs Trust?
- How do I fund a Special Needs Trust?
- Which laws affect trusts?
- How does the Maine Trust for People with Disabilities operate?
- Why is good management of the Trust important after it becomes active?
- What are the usual steps in establishing an account with the Maine Trust for People with Disabilities?
- Where can I find help understanding the legal, tax and practical consequence of establishing an account with the Maine Trust for People with Disabilities?
- What are the fees to establish a Trust with the Trust?
- Can I specify exactly how I want the Trust used?
- How do I go about funding a Trust account?
- What amount of money should I place in an account opened with the Maine Trust for People with Disabilities?
- What can a Special Needs Trust pay for?
- What happens to any remainder in the Trust if the beneficiary dies before it is used?
- If on the death of the beneficiary I leave some of the money to the Maine Trust for People with Disabilities, what will the Trust do with it?
- Can I establish a Trust account for anyone?
- What are the benefits of using the Trust?
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1. Is there a connection between public benefits and income?
Individuals with disabilities often receive Supplemental Security Income (SSI), which provides the individual with a modest monthly support check to cover living expenses, and Medicaid, which pays for the health services for people with disabilities. Children, who are minors, are eligible for SSI and Medicaid if they have "marked and severe functional limitations" from a physical or mental condition. Adults are eligible for SSI and Medicaid if they have a disability that prevents them from working and earning a self-sufficient wage. However, to qualify for SSI and Medicaid, the disabled individual cannot have more than a certain amount of assets. In order to remain eligible for SSI and Medicaid, an adult generally cannot have more than $2,000 (limit for 2005) in cash or assets that can be converted to cash. SSI and Medicaid coverage is often referred to as "means-tested" because the person's means (that is, their assets) are part of the eligibility criteria they must satisfy to qualify for SSI and Medicaid. |
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2. What services are not provided by public benefit programs?
To be eligible to receive SSI and Medicaid coverage, a disabled individual usually must have almost no funds of their own. In Maine, a disabled individual can have only have $40 per month (as of 2005) to spend as a "personal care allowance" for the services and items that public assistance programs will not cover, such as health insurance premiums, eye and dental care, entertainment, vacations and other items and services that can enhance the individual's quality of life. This personal care allowance is so small that families who have a disabled child often use their own money to pay for extra items and services their child needs, even if their child is an adult. |
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3. Will making gifts or leaving an inheritance to my disabled child cause problems with SSI or Medicaid coverage?
Parents or others often leave their disabled family members an inheritance unaware of the disadvantages of doing so. As earlier mentioned, if your child receives SSI or Medicaid and has access to more than $2,000 in assets (including assets from an inheritance), he will lose eligibility for SSI and Medicaid until he spends his inheritance so that he owns less than $2,000 of assets. If your disabled child is receiving SSI or Medicaid, then while he continues to hold an inheritance valued at more than $2,000, he would have to use the funds to pay, for example, for residential costs, food and clothing. Having to pay even some of these costs can quickly deplete funds that were intended to provide your child with some of the "extras" of life. In short, an inheritance or gift of money or other assets directly to a disabled child who is receiving SSI or Medicaid will almost certainly not have the intended benefit but instead will disqualify the child from SSI or Medicaid until the inheritance is spent down to less than $2,000.
Some parents who are aware of this problem do not leave an inheritance to their disabled child. Instead, they give the disabled child's share to a brother, sister or other family member with an informal understanding that it will be used to benefit the disability child. Unfortunately, the assets intended to benefit the disabled child might not be used for that purpose. For example, if the family member who receives the disabled child's share should become divorced or should die early or goes into bankruptcy, the funds intended to be used for the disabled child might be lost. Even if such terrible things do not occur, there is also the possibility that the family member who holds the funds might not know about the eligibility requirements for SSI and Medicaid and might mistakenly disqualify the disabled child for SSI and Medicaid in the course of giving the child money or paying for services or goods for the child. |
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4. How can I provide my child with some money for financial security and not jeopardize his SSI or Medicaid benefits?
There are ways that you can help ensure a disabled family member's financial security without risking the possible loss of SSI and related benefits. The best tried and true method is by using a Special Needs Trust, which is sometimes known simply as an "SNT". A Special Needs Trust can hold money or property that the grantor (that is, the person who sets up the Trust) leaves for the benefit of a disabled beneficiary, such as a child. Unlike an outright gift or inheritance left to a disabled individual, gifts to or inheritances received by a Special Needs Trust are not counted as the disabled child's assets for purposes of qualifying for SSI or Medicaid, and therefore the assets are protected and can be used for the supplemental needs of the disabled beneficiary. Once the assets are in the Special Needs Trust, the Trust document contains detailed instructions as to when and how the assets can be used for the disabled beneficiary.
A family member or others can set up a Special Needs Trust and either fund the Trust while living or under a will or through a life insurance policy. |
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5. How will a Special Need Trust protect my loved one's government benefits?
Federal law allows a Special Needs Trust that is properly written to protect a loved one's SSI and Medicaid and, at the same time, make the Trust's assets available for the disabled beneficiary's "supplemental" needs that are not paid for by government programs. Because of this exception permitted under federal law, a Special Needs Trust is often the best arrangement to use to provide for the long term benefit of an SSI or Medicaid recipient.
A Special Needs Trusts can also be used for someone who is not currently on SSI or Medicaid, but who may need to eventually qualify for those programs in the future. For example, sometimes a disabled child's needs may be taken care of by parents in their home so that no governmental assistance is currently needed. However, after the parents die the disabled child might have to qualify for SSI or Medicaid to replace the services the parents were providing. A Special Needs Trust could be set up for the disabled child now with the anticipation that it would eventually be needed. |
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6. How do I go about setting up a Special Needs Trust for a disabled family member?
In the State of Maine, there are two ways to set up a Special Needs Trust. The first is that an individual Trust can be set up by the parents or other persons for a disabled beneficiary. The other way is to set up an account for the benefit of the disabled beneficiary with the Maine Trust for People with Disabilities.
Prior to the establishment of the Maine Trust for People with Disabilities in 2005, the only way to establish a Special Needs Trust in Maine was to set up an individual Trust for the benefit of the disabled individual. This can still be done if the family or grantor (that is, the person who sets up the Trust) is willing to incur the set-up and ongoing costs of an individual Special Needs Trust. As a general matter, the cost of hiring an attorney to prepare an individual Special Needs Trust may range from $500 to $5,000. In addition, the trustee of the Trust and other parties who provide services to the individual Trust often charge fees, which typically range from 1% to 3% of the Trust's assets each year. For example, most banks that will serve as trustee of an individual Special Needs Trust have a minimum annual trustee fee that may range from $500 to over $1,000. Nevertheless, to a family that must have a Trust with unusual features in order to provide for an uncommon situation, an individual Special Needs Trust may be the best option.
Since 2005, the Maine Trust for People with Disabilities has been an alternative way to fund an account in an existing Special Needs Trust. Upon completion of an account application known as a "Joinder Agreement" and acceptance of the application by the Board of Advisors of the Maine Trust for People with Disabilities, an account can be opened for a disabled beneficiary. The account cannot be funded with assets owned by the disabled individual himself or herself, but instead the funds must come from other family members or friends. The Maine Trust for People with Disabilities provides a wide range of services that meets the needs of the vast majority of families who have a disabled member. Unlike an individual Special Needs Trust, the Maine Trust for People with Disabilities is managed by a non-profit corporation dedicated to the running of the Trust. The Maine Trust for People with Disabilities pools all assets for investment purposes in order to lower the overall cost of opening and managing all accounts. While the Maine Trust for People with Disabilities may on average be substantially less expense to manage the assets for a disabled beneficiary, the features of the Trust cannot be altered at the request of a grantor or the family members of a disabled beneficiary. |
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7. What are the primary advantages of opening an account with the Maine Trust for People with Disabilities as opposed to setting up an individual Special Needs Trust?
Lower Cost. As earlier mentioned, the cost of establishing and annually maintaining an individual Special Needs Trust generally is greater than opening an account with the Maine Trust for People with Disabilities. To the extent that costs are lowered, there will be more assets available to pay for the supplement needs of the disabled beneficiary.
Knowledge of Government Programs. An individual or bank who serves as the trustee of an individual Special Needs Trust must have a detailed knowledge of the eligibility requirements of the government programs the disabled beneficiary relies on for support, especially SSI and Medicaid. Individuals and banks that serve as trustees of Special Needs Trusts often lack this knowledge, but it is part of the ordinary routine of the Maine Trust for People with Disabilities. For example, government agencies have complex and strict reporting requirements that exist to monitor the trust assets of disabled individuals who also receive government benefits. In essence, government agencies want to know when the disabled individual receives a trust disbursement and what the disbursement was used for. The disbursements must often be reported and explained according to each agency's rules and is frequently accompanied with a note as to why the distribution should not be viewed as either "income" or a "countable resource" that disqualifies the beneficiary from government benefits. Adding to this complexity is the fact that agencies change their rules from time to time, making it important to stay current on agency rules.
Continuity. The Maine Trust for People with Disabilities is sponsored and run by a Maine non-profit corporation, known as the "Maine Trust for People with Disabilities, Inc." As a corporation, it is anticipated to be in existence for an indefinite period of time.
Commitment. The Maine Trust for People with Disabilities, Inc. consists of volunteers drawn from a wide range of disciplines, including social service agencies, law, business, accounting, finance, banking, etc. Many members of the Board of Directors have family members who are disabled and who face the daily issues that are encountered by those who wish to open an account with the Trust. The "life" experiences of those who run the Trust bring to the Trust's mission a personal commitment to see that it functions to effectively address the needs of disabled individuals in Maine. |
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8. How do I fund a Special Needs Trust?
Regardless of whether a family sets up an individual Special Needs Trust or simply opens and funds an account with the Maine Trust for People with Disabilities, there are two customary ways to fund a Special Needs Trust account, which are: (1) a testamentary funding, or (2) an inter vivos finding. Both of these are explained below.
Testamentary Funding - This means the trust is funded under a Last Will and Testament.
Inter vivos (or Living) Funding - This means a person funds a Special Needs Trust account before dying. When this strategy is used, the Special Needs Trust must be established during the grantor's life rather than at death under a Last Will and Testament. By setting up and funding a Special Needs Trust (or opening an account with the Maine Trust for People with Disabilities) during the grantor's life, parents and others all can make gifts to the Trust account. Moreover, parents and others can fund the Trust account with additional gifts under their Last Will and Testaments. For example, parents could set up an account with the Maine Trust for People Disabilities for a disabled child, and the grandparents of the disabled child could make gifts to the account during their lives or under their Last Will and Testaments.
All Special Needs Trust, including the Maine Trust for People with Disabilities, are irrevocable Trusts. Parents or other individuals who make gifts to the Trust or Trust account generally cannot receive the gifts back or change the terms of the Trust. However, a court can require changes when the circumstances are appropriate.
Gifts made to a Special Needs Trust on a grantor's death may have different tax consequences as compared to gifts made during life, both for the grantor and the Special Needs Trust. For this reason, it is very important to consult with an estate planning attorney regarding the appropriate type of Special Needs Trust to set up and the best way to fund the Trust account. The Maine Trust for People with Disabilities generally requires that a grantor's independent attorney review the proposed documents before an account application is accepted. |
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9. Which laws affect trusts?
The Maine Trust for People with Disabilities, as well as most other individual Special Needs Trusts established in Maine, are subject to Maine law. However, the effect of distributions from a Special Needs Trust on the beneficiary's eligibility for SSI, Medicaid and other federal programs is generally governed by federal law. |
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10. How does the Maine Trust for People with Disabilities operate?
The Joinder Agreement of the Maine Trust for People with Disabilities contains detailed information regarding the administration of the Trust, including the investment of assets, the make up of the various parties that run the Trust, the timeframes and procedures for requesting distributions, fees, and other pertinent information. |
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11. Why is good management of the Trust important after it becomes active?
The hallmark of a well run Special Needs Trust is ensuring that trust disbursements have the intended effect, namely, they do not disqualify the disabled beneficiary from government programs but instead improve the beneficiary's life. The Maine Trust for People with Disabilities fulfills this role.
One especially difficult aspect of running a Special Needs Trust is remaining up-to-date with the federal regulations that apply to distributions from the trust to beneficiaries and filing the required reports with various government agencies. The Maine Trust for People with Disabilities understands the regulations and reporting requirements, and it reports disbursements to the appropriate government agencies. |
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12. What are the usual steps in establishing an account with the Maine Trust for People with Disabilities?
The grantor (person setting up the Trust account) will complete and sign a Joinder Agreement. A Joinder Agreement is a legal document that enrolls the disabled individual in the Trust. It gives the program the information needed about your family member, how and when you plan to fund the Trust account, how you want assets to be handled when it becomes active (when the Trust is funded and disbursements begin) and other important information. Once enrolled, the Trust maintains your file and may periodically contact you to update it.
The Maine Trust for People with Disabilities is supported by many social service agencies throughout Maine. Selected staff members at each of the supporting social service agencies have been trained on how the Trust operates and how to complete the Joinder Agreement. You can receive assistance in completing the Joinder Agreement at any of supporting social service agencies. If you have not received a list of the supporting social service agencies, then you should request a list from the Maine Trust for People with Disabilities.
It is highly recommended that before signing the Joinder Agreement you should discuss the Joinder Agreement with your own attorney so that you fully understand the legal aspects of the agreement. Contributing to an account at the Maine Trust for People with Disabilities may have tax consequences for you, which you definitely should discuss with your attorney before setting up an account.
Following acceptance of your completed Joinder Agreement by the Board of Advisors, the Trust will submit your Joinder Agreement and a copy of the Trust Agreement to the Maine Department of Health and Human Services (DHHS), the Social Security Administration (SSA), and any other relevant public agency for review and approval of the account as a Special Needs Trust. During the period that review and approval by DHHS, SSA and other public agencies is pending, the Trust account you establish will be funded with the minimum amount needed to apply for approval of the DHHS, SSA and other public agencies. The balance, if any, of funds you have transferred to the Trust will be held in a side account invested exclusively in money market funds in your name and Social Security Number until such time that approval is obtained, as which time the funds in the side account will be transferred to the account for the disabled beneficiary. In the event a favorable determination is not obtained from any relevant public agency, you may request a return of the funds or alternatively you may modify the Joinder Agreement, subject to approval of the Board of Advisors, so that the account will qualify as a Special Needs Trust upon being re-reviewed by the DHHS, SSI and other public agencies. It may take as much as six to twelve months to obtain approval of the account as a Special Needs Trust from DHHS, SSA and other relevant public agencies. |
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13. Where can I find help understanding the legal, tax and practical consequence of establishing an account with the Maine Trust for People with Disabilities?
It is highly recommended that you work with an attorney to review the Trust documents, including the Joinder Agreement, before you open an account with the Trust. Depending on your tax and financial situation, opening an account may have tax or other consequences to you, your family or the disabled individual who will be the beneficiary of the account. The account you set up with the Maine Trust for People with Disabilities will be subject to federal and state income taxes. It is especially important to understand that amounts contributed to a Trust account for a disabled individual do not qualify for a charitable income tax or charitable estate tax deduction. In addition, such contributions do not qualify for the annual gift tax exclusion because such contributions are not so-called "present interest" gifts under federal law.
The Maine Trust for People with Disabilities is supported by various non-profit agencies throughout the State of Maine. Designated staff members of each supporting agencies have been trained to assist families in completing the paperwork needed to apply to open an account with the Trust. The package of application materials you may receive on request from the Trust contains a list of the names, addresses and contact persons at each supporting agency in Maine. You are free to contact any agency on the list for additional information and assistance in understanding how the Trust works and how to complete the paperwork. It is important to understand, however, that the assistance you will receive from a staff member of a supporting agency is limited to a general explanation of how the Trust works and how to complete the paperwork. Staff of supporting agencies will not be able to advise you on the legal, tax or financial consequences to you personally or to your family or disabled relative. You should seek the advice of your attorney, accountant or personal financial advisor to provide you with such information. |
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14. What are the fees to establish an account with the Trust?
A complete Fee Schedule is attached to the Joinder Agreement. Fees may change from time to time. Notices will be provided in advance of any changes in the Fee Schedule. |
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15. Can I specify exactly how I want the account used?
The Joinder Agreement allows you to provide detailed information as to how you would like the funds in your family member's account to be used. However, since the Maine Trust for People with Disabilities is designed specifically to protect its beneficiaries from losing benefits available through SSI, Medicaid and publicly funded programs, the provisions of the Maine Trust for People with Disabilities make it clear that funds in all accounts are distributed in the discretion of the Board of Advisors to provide the disabled beneficiary with assistance that will not disqualify him or her from governmental programs. Therefore, the Board of Advisors has ultimate control and responsibility in deciding how, when and the amount of distributions that are made from an account for the benefit of the disabled individual. The rules that apply to eligibility for SSI, Medicaid and other public assistance programs may currently allow the Maine Trust for People with Disabilities to disburse funds for certain items and services, but it is possible such rules will change in the future, in which case the Maine Trust for People with Disabilities will adjust its distributions to take into consideration changes in the rules. In addition to changes in the rules or laws, other unforeseen events may make it necessary for the Maine Trust for People with Disabilities to modify the timing, amount or permitted reasons for which disbursements are made in order to ensure the Trust continues to serve its intended purpose of protecting its beneficiaries from being disqualified from governmental programs. |
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16. How do I go about funding a Trust account?
Once an account in the Maine Trust for People with Disabilities is opened, it can be funded during your life or on your death. If funded during your life, the account can receive cash by check or wire transfer or publicly-traded stocks, bonds, or mutual funds. If funded after your death, gifts can be made under a Last Will and Testament, life insurance, annuity, or IRA. The Maine Trust for People with Disabilities will not accept real estate unless all aspects of the property, including management, are disclosed to and accepted by the Board of Advisors prior to the transfer. The Joinder Agreement allows you to provide detailed information regarding when, what and how you intend to transfer assets to an account you open in the Maine Trust for People with Disabilities. When completing the Joinder Agreement, it is strongly advised that you disclose as much information as possible about how you intend to fund the account. Both other family members and non-family individuals may also make gift to an account you open with the Maine Trust for People with Disabilities. All gifts of assets other than cash that are made to an account opened with the Maine Trust for People with Disabilities are subject to the approval of the Board of Advisors.
You can set up an account with the Maine Trust for People with Disabilities and not fund it until later. For example, on your death the account can be funded with gifts made under your Last Will and Testament. Alternatively, you can fund the account in full when you open it, or you can fund it over time.
Funding an account with the Maine Trust for People with Disabilities may affect your estate plan, including the amount of estate taxes or gift taxes payable. You should consult with your attorney on these issues before opening an account with the Maine Trust for People with Disabilities. |
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17. What amount of money should I place in an account opened with the Maine Trust for People with Disabilities?
An account opened with the Maine Trust for People with Disabilities must be funded with a minimum amount of $25,000. If funded during your life, the $25,000 must be contributed within five years of the time you open the account. If funded on your death, the $25,000 must be contributed within a reasonable time after your death. There is no maximum amount of funding for an account.
Funding levels should take into account needs of the disabled beneficiary, the person's age, the services that are to be provided for by the account. Families may want to seek the advice of an attorney and financial planner regarding the amount needed to provide the desired level of benefits over the remainder of the disabled individual's life. Some variables that should be considered are the average life expectancies of people at certain ages and how the amount in the account will be spent over time, including disbursements to cover Trust fees over the beneficiary's lifetime. Also, consideration should be given to anticipated funeral and burial expenses for the beneficiary and whether the account is expected to cover such costs. |
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18. What can a Special Needs Trust pay for?
When a person with a disability is receiving SSI or Medicaid benefits, a Special Needs Trust (including the Maine Trust for People with Disabilities) generally cannot pay for that person's food, clothing, and shelter. Special Needs Trusts are set up to provide services and items that do not jeopardize SSI and Medicaid benefits. To protect SSI and Medicaid benefits, the Maine Trust for People with Disabilities generally will not pay funds directly to the beneficiary but instead to a vendor or service provider. The broad categories of expenditures that qualify for disbursements from an account at the Maine Trust for People with Disabilities include health care not covered by Medicaid, education, recreation and material needs that provide comfort. For example, disbursements are permitted for eye glasses, hearing aids, wheel chairs, movie tickets, computers, and vacations with an aid. When disbursements are made, the appropriate public agency is notified. Funds will be distributed only after the account is funded with a minimum of $25,000. |
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19. What happens to any remainder in the Trust if the beneficiary dies before it is used?
An account established in the Maine Trust for People with Disabilities is generally set up with the goal of spending the entire principal and earnings by the time the beneficiary dies. However, the beneficiary may die prematurely or, if the Trust account is quite large, funds may remain after the beneficiary dies. If this occurs, the balance of the account will be paid to the person or persons named by the grantor in the Joinder Agreement, including other family members. Although the grantor is not required to do so, the grantor can also designate in the Joinder Agreement that a portion of the account the remains following the death of the beneficiary will be contributed to a charity, including the Maine Trust for People with Disabilities, Inc., or, to the non-profit organization that provides services to the disabled beneficiary.
In the case of some trusts that hold funds for the benefit of a disabled individual who received Medicaid, the State of Maine may file a claim for repayment of Medicaid benefits after the disabled individual dies. However, the Maine Trust for People with Disabilities has been structured in a way that protects the account's remaining assets from being subject to claims by the State of Maine following the death of the beneficiary. The Maine Department of Health and Human Services has reviewed the provisions of the Maine for People with Disabilities and issued a letter date December 15, 2004, which states that the assets used for the benefit of a disabled individual that are held in an account in the Maine Trust for People with Disabilities will not be viewed as owned by the disabled individual following his or her death, and therefore will not be subject to Medicaid repayment claims by the State of Maine. If you have not received a copy of the letter from the Maine Department of Health and Human Services, you may request a copy from the Maine Trust for People with Disabilities. |
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20. If on the death of the beneficiary I leave some of the money to the Maine Trust for People with Disabilities, what will the Trust do with it?
When, following the death of a beneficiary, a portion of the remaining account is given as a gift to the Maine Trust for People with Disabilities, the funds are used for two purposes. One purpose is to fund accounts in the Trust for disabled individuals whose families do not have the resources to open an account. When sufficient gifts are received by the Maine Trust for People with Disabilities, it makes grants to deserving families to allow them to have a funded account for a disabled family member. The other use of gifts is to help cover the cost of administering the Trust so that the Trust can offer reasonably priced services to all the families and their disabled members. |
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21. Can I establish a Trust account for anyone?
The primary purpose of the Maine Trust for People with Disabilities is to provide an affordable Special Needs Trust for individuals who have a developmental disability and, as a result of the disability, are covered or eligible for coverage under , SSI or other public benefit programs. While individuals with disabilities other than developmental disabilities may be considered on an individual basis, generally only individuals with a primary diagnosis of a developmental disability are considered eligible for coverage the Maine Trust for People with Disabilities. An individual who wishes to be a beneficiary of an account under the Maine Trust for People with Disabilities both must meet the criteria for "disabled" under the test of the Social Security Administration and must qualify for coverage under SSI. Children are eligible for SSI if they have "marked and severe functional limitations" from a physical or mental condition. |
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22. What are the benefits of using the Trust?
The key advantages include:
- As an institutional Trust, the Maine Trust for People with Disabilities Trust will remain in existence for the remainder of the disabled individual's life.
- The Trust is operated by knowledgeable, experienced volunteers who make up the Board of Advisors and who will oversee the management of the Trust.
- The Trust has been reviewed and approved by both the Maine Department of Health and Human Services and the U.S. Social Security Administration as a third-party special needs trust. This protects the disabled individual from being disqualified from Medicaid, SSI or SSDI benefits as a result of having an account in the Trust.
- The Trust documents have been prepared by a team of experienced attorneys and are available without having to incur the costs of having a individual trust document prepared by your own attorney.
- Unlike some banks and trust companies that may not accept a trust account that is not funded, the Maine Trust for People with Disabilities allows you to set up an unfunded account that will be funded on your death.
- The Board of Advisors of the Maine Trust for People with Disabilities has expertise and experience. The volunteer board is comprised of experts drawn from the law, accounting, business, social service agencies and family members of people with disabilities.
- The Maine Trust for People with Disabilities Trust works closely with the trustee, Norway Savings Bank, and its outside record keeping administrator, Old Port Pension Administrators, to maintain financial accountability without incurring high fees. Funds are pooled to keep administrative fees low and to increase investment opportunities.
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Maine Trust for People with Disabilities
P.O. Box 9729, Portland, ME 04101-5029 |
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