If you are over-income for the Connecticut Home Care Program for Elders (CT Medicaid/Title XIX/Title 19 Home Care), you can’t get home care benefits unless you reduce your countable income. Fortunately, you can reduce countable income without reducing your actual income. A Pooled Trust is a trust which has been established by a Connecticut not-for-profit entity just for this purpose. If you “subscribe” to the trust, you can send the trustee your excess monthly income, and they will use that income (minus a modest administrative fee) to pay some of your household bills. Therefore, you are getting use of the income while qualifying for life-altering home care benefits. And, if you use the full contribution each month, little or nothing will be forfeited upon your death.