Trusted Surplus Solutions specializes in managing pooled income trusts for elderly or disabled individuals who receive Medicaid benefits. Their service helps clients retain eligibility by redirecting excess income into a trust that covers daily living expenses (like rent, groceries, utilities) without affecting Medicaid eligibility (trustedsurplus.org).
- Operates under consumer guidance from Medicaid policies.
- Offers support, setup, and account coordination.
- Emphasizes personalized service through dedicated coordinators.
- Founded around 2019, based in Brooklyn, New York (bbb.org, trustedsurplus.org).
How Their Pooled Income Trust Works
- Deposit Qualified Income: Clients transfer eligible income into a pooled trust account.
- Medicaid Compliance: Income placed in the trust is not counted against Medicaid eligibility limits.
- Trust Management: Funds are used to pay permissible expenses not medical bills to preserve Medicaid eligibility.
- Rules & Closure: Under a joinder agreement, accounts may be closed immediately upon request, with funds reconciled within 60 days to settle outstanding obligations (trustedsurplus.org, bbb.org).
What People Say (Testimonials & Complaints)
Positive Highlights:
Clients describe the staff particularly “Linda” as professional, knowledgeable, responsive, and supportive in helping navigate Medicaid trust complexities (trustedsurplus.org).
Reported Negative:
- A complaint filed with the Better Business Bureau (BBB) described a case where a client requested trust account reactivation and felt the matter was mishandled. They alleged funds remained inaccessible despite efforts to reconcile expenses. The business responded stating the account had been closed per prior requests, with no reversal possible under policy rules (bbb.org).
- Note: Trusted Surplus Solutions is not BBB-accredited (bbb.org).
Pros & Cons
Advantages:
- Helps clients maintain Medicaid eligibility through proper trust setup.
- Operates with a personalized, empathetic approach.
- Right for individuals who consistently exceed Medicaid income thresholds due to living expenses.
Drawbacks:
- Account closures happen immediately per contract terms even if a client later requests changes.
- Some clients note frustrations around communication and rigidity in policy enforcement.
Quick Reference Table
| Feature | Details |
| Service Type | Pooled income trust administrator for Medicaid-eligible individuals |
| Founded | 2019 in Brooklyn, NY |
| Key Benefit | Allows excess income to be used for living expenses, preserving Medicaid |
| Customer Experience | Personalized service highlighted, but some complaints about trust closure |
| BBB Status | Not accredited, with filed complaints on record |
Should You Consider Trusted Surplus Solutions?
Ideal For:
- Elderly or disabled individuals who exceed Medicaid income limits.
- Families seeking help managing eligibility through a formal, structured trust solution.
- Clients needing personalized support with trust setup and fund distribution.
Things to Be Aware Of:
- You may not be able to re-open a trust once closed due to contractual rules.
- Carefully review all paperwork (especially the joinder agreement).
- Understand closure procedures and fund reconciliation timelines before signing.
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