Current Customers/Customer Service
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In These FAQs, KTS Trust Has The Answers
To Your Pooled Income Trust Needs

What Is The KTS

Pooled Income Trust?

A Pooled Income Trust is a supplemental needs trust that allows you or your loved one to receive or maintain Medicaid benefits even if you have excess income. At the same time, this trust preserves your monthly income to pay living expenses. Bound by federal and state regulations, member participation is safe and a legal remedy to acquire Medicaid Home Care Benefits.

What Languages

do we speak?

We strive to ensure accessibility for all members of our diverse community. If you require information in any language, please don’t hesitate to reach out to us at 415-707-7108 for assistance. Additionally, you may download a PDF below for the list of our available languages.

Why Should I Or My Loved One

Join A Pooled
Income Trust?

If you have applied for Medicaid and don’t qualify because you have excess income, surplus income, or have been that told you need to “spend down” because you’re over the income limit, a pooled trust can help. Joining a Pooled Income Trust, also known as Medicaid Pooled Trust, will help you or your loved one become financially eligible to receive government benefits for Medicaid Home Care and services.

Who Is Eligible

To Join A Pooled Income Trust

In order to join a Pooled Income Trust, you must be a Medicaid recipient, and to join the KTS trust specifically, the beneficiary must also be a resident in the state of New York.

If you are applying for Medicaid but find you do not qualify for benefits, joining a Pooled Trust will help you gain eligibility by depositing excess income monthly into the trust. The income can then be used to pay your approved monthly expenses. 

What Are The Requirements

For Joining KTS?

To qualify, the beneficiary (you or your loved one) must be 65 years or older, or have a disability as defined by the Social Security Act, the law that governs such requirements.

The trust account must be established by the beneficiary, their Guardian, or a Power of Attorney.

Your excess monthly income over the Medicaid income allowance must be deposited into your trust account. 

What Are The Benefits

Of A Pooled Income Trust?

A Pooled Income Trust pays qualifying monthly expenses and helps you to stay at home while receiving Medicaid Home Care Benefits. Without a Pooled Income Trust, an individual earning an income above the Medicaid allowable limits would have to turn over their excess income to Medicaid every month, and not be able to use it for their living expenses. When you deposit your excess monthly income into a Pooled Income Trust, you may become or remain eligible for Medicaid benefits. The money you deposit is used to pay for your basic living expenses, rather than turning it over to Medicaid as a spend-down. 

What Can KTS Pay

With My Monthly Deposits?

Funds deposited into the KTS Pooled Income Trust can be disbursed for qualifying expenditures such as clothing, food, rent, utilities, and other basic living expenses. Our personal and caring KTS staff are happy to assist you in determining other expenses that may be covered.

Why Should I

Join KTS?


Warm, personal, and professional service Because we take everything we do to heart. 


A dedicated representative To make your life a little less stressful. 


Customized solutions based on your needs You’re unique and deserve targeted solutions. 


Easy access to your account We offer both online and phone access to your account 24/7. 


Quick and efficient payment of your bills Backed by an impeccable track record with thousands of satisfied members. 

How Does KTS Help

Against Pooled Trust Scams?

What proactive measures does KTS take to safeguard seniors from pooled trust scams, and how can I utilize these resources effectively?

KTS recognizes the growing concern over scams targeting the elderly, particularly those involving pooled trusts. To combat this, we’ve established the KTS Pooled Trust Scam Assistance Line at 718.475.5000, a dedicated resource for clients facing potential scams related t o their pooled trusts. This initiative reflects our commitment to not only manage your assets with care but also to ensure your protection against fraudulent schemes that specifically target pooled trust accounts.

When you contact the KTS Pooled Trust Scam Assistance Line at 718.475.5000, you’re connected with experts who understand the intricacies of pooled trust operations and the common tactics used by scammers. This specialized service is designed to offer immediate assistance and clarification, helping you discern legitimate communications from fraudulent ones. By focusing on pooled trust – related inquiries, we provide a targeted approach to scam prevention, ensuring you have the support and information needed to make informed decisions about your trust. Remember, safeguarding your assets and personal information begins with awareness and is strengthened by having a trusted partner like KTS at your side.

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