Put Your Trust in LIFE
Helping you keep the care you need and the quality of life you deserve.
About LIFE Trusts
Compassionate Care
Reliable Service
Human Support
We offer two primary types of Pooled Trusts tailored to your specific Medicaid planning needs.
Medicaid Pooled Income Trusts
If you have an “excess income,” “surplus income,” or a “spend down” amount, our Pooled Income Trust allows you to deposit these funds. This ensures you remain eligible for Community Medicaid, while still using your income to pay for your essential bills and expenses.
- Maintain Medicaid eligibility
- Use surplus income for bills
- Avoid institutionalization
Medicaid Pooled Asset Trusts
For those with funds exceeding the Medicaid asset limit (e.g., savings, lawsuit settlements, life insurance), a Pooled Asset Trust protects these resources. This allows you to qualify for or maintain Medicaid benefits while preserving your assets.
- Preserve substantial assets
- Achieve Medicaid eligibility
- Protect lump-sum payments
How a Pooled Trust Helps You
Your funds stay protected and available — giving you security, stability, and more independence.
Fast Bill Payments
Send us your bills and we pay them directly to your vendors. Most requests 3 business days.
LIFE Visa Spending Card
Place part of your trust funds on a prepaid Visa card to pay for approved everyday expoeses. You can put some all of your funds.
Easy Online Portal
Log in anytime to check your balance, upload bills, track deposits, and download documents for Medicaid recertifications.
How It Works
Using a pooled trust with LIFE is simple:
1
Enroll in the Trust
Complete the enrollment forms online. Our team is here to guide you if you need help.
2
Fund Your Account
You send your surplus incone or assets to your trust account each month.
3
LIFE Manages the Details
We keep your account updated, process requests quickly, and provide support whenever you need it.
4
You Use Your Funds
Your money stays protected-giving you more stability, more independence, and continued Medicaid eligibility.
Watch Our Explainer Videos
Understanding LIFE Trusts
A comprehensive guide to how our pooled trusts can support your financial future.
LIFE Visa Card Overview
Learn about the benefits of our new LIFE Visa card, simplifying your trust disbursements.
Why People Choose LIFE
Fast processing & clear communication
We set up trusts and process payments quickly—so bills are paid on time and Medicaid stays active.
Easy online access anytime anywhere
Check your balance, deposits, requests, and documents from any computer or phone.
Caring, knowledgeable and expert staff
Our team provides real human support with patience, dignity, and compassion.
LIFE Visa ® Card for more independence
Access your available funds quickly and safely, giving you more control over everyday expenses.
Live phone, email & chat support
You can reach a real person when you need help—ho call centers or long wait times.
Serving New Yorkers for 30+ years
Trusted by individuals, families, attorneys, and care teams across New York State.
More Independence
With Visa Card
The LIFE Visas ® Card gives you more flexibility and control over everyday spending, while still keeping you fully Medicaid-compliant.
- Faster access to your available funds
- Easier budgeting for day-to-day needs
- No waiting for checks or mail delays