Pooled Income Trust
Protecting public benefits while providing for needs, wants, and dreams — a financial tool built by The Arc PPR for people with IDD and their families.
“The Arc Pooled Income Trust’s mission is to enhance the quality of life of beneficiaries with intellectual and developmental disabilities, and to safeguard assets and preserve their public assistance through accountable management and sound fiduciary practices.”
What is a pooled income trust?
A pooled income trust is an individual account grouped (“pooled”) with other accounts for investment purposes. Federal Medicaid and SSI law permits pooled trusts specifically for beneficiaries with disabilities so they can hold assets without losing eligibility for critical public benefits.
The trust may be created by the beneficiary, a parent, grandparent, guardian, or court. Funds are invested collectively — which lowers administrative fees, grows principal faster, and unlocks investment options with higher rates of return than most individuals could access on their own.
The Arc PPR’s Pooled Income Trust
Our Pooled Income Trust was established in 2010 as a tool for individuals with IDD and their families. It is meant to enhance quality of life — not to serve as a stop-gap for qualifying for services.
Trust funds are spent on what Medicaid and SSI won’t cover — the things that make a life a good life. Every beneficiary participates in the development of their own statement of needs.
Why The Arc PPR?
70+ years of trust
The Arc PPR, established in 1955, has a long-standing tradition of serving people with intellectual and developmental disabilities and their families.
Local management
Management of the trust and investments is local. An advisory committee oversees the investment policy and supports decision-making.
State-approved
The trust is approved by the State of Colorado Health Care Policy and Financing (Medicaid) for recipients who need resources above SSI/Medicaid limits.
Needs-based spending
Each beneficiary helps develop a statement of needs so funds are used based on their unique needs, wants, and dreams — above and beyond what public assistance covers.
Who manages the investments?
Investments are managed by Cascade Investment Group, Inc., a dually registered FINRA and SEC firm located in Colorado Springs.
How to join
- $250 joiner fee establishes participation
- Minimum deposit of $1,000
- Beneficiary must have an intellectual and/or developmental disability
- Beneficiary must be under the age of 65
For more information, contact our Trustee
Donna Butzin, Trustee
Fax: (719) 471-4828