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Frequently Asked Question
1. Everfund Pooled Trust Why an individual with a
Medicaid Spend-down
should join a pooled Trust
2. Q: What is a
Pooled Trust?
• Individuals who earn too
much money to qualify for
Medicaid can deposit the
extra money {aka Medicaid
Spend-down} into a special
trust where the money they
deposit is not counted as
Income for the person
applying for Medicaid, and
can be used to pay Bills or
any living expenses like
Rent/Mortgage, groceries
etc.
3. Who are we?
• Everfund Trust is a non-profit
organization who administers a
special trust maintained by Citi
Bank allowing individuals with
disabilities to “pool” their money
together. Although the funds
are pooled together Everfund
will maintain individual sub-
accounts for each person in the
trust.
• When joining Everfund, you will
be assigned a case manager. We
will come down and help you fill
out the paperwork in the
convenience of your own home to
address any questions or
concerns.
4. Q: Is it legal?
Yes. Supplemental Needs Trusts is
frequently used since 1993 when Congress
created an exception under the
amendments to the Omnibus Budget and
Reconciliation Act (OBRA-93) which
authorizes the use of SNT’s for the
benefit of individuals who are disabled.
Pooled income Trust is authorized under 42
U.S.C. § 1396p (d)(4)(C) and is available for
people with disabilities of any age.
5. Who’s my contact person?
• When you call our phone line 845.202.9000 or our Toll-free
number 1.855.212.7200 you will be greeted by a Customer
service Representative which will promptly address your
needs. All unanswered calls which is followed by a clear
voicemail will be returned latest by next business day.
• For special considerations, you can call our Outreach Direct
Helpline 347.504.1099.