Events

Learn how an Income Spend Down (ISD) Trust can help people in Pennsylvania stay eligible for Home and Community-Based Services (HCBS) if their income is above the income limit by a few hundred dollars.

You will learn:

• What an ISD Trust is and why it can help
• How putting extra monthly income into a trust can allow access to important services through programs like Community Health Choices (CHC) and Living Independence for the Elderly (LIFE)

We will also cover:

• Who qualifies and how eligibility is determined
• Examples of how to calculate excess income
• How the money in the trust can be used
• Your responsibilities, like making monthly deposits and keeping records
• What expenses are allowed and how to stay compliant with Medicaid waiver rules

Finally, we’ll walk through the full process step by step - from receiving a denial notice to setting up the trust and getting approved.

By the end, you’ll understand how an ISD Trust can help you or your family member stay eligible for services while meeting program requirements.