Client Education & Resource Center

AGED manages special needs trusts only, including first-party d4A disability trusts, d4C pooled special needs trusts, and third-party supplemental needs trusts. AGED does not manage d4B qualified income trusts.

AGED only manages special needs trusts governed under Florida law. However, the beneficiary may live out of state in a third-party supplemental needs trust.

No. Clients can visit our office if they are able to, but it is not necessary. We recommend calling first to speak with a Trust Advisor. Many basic questions can be answered by phone, and most documents can be completed over the phone and sent by mail or email. If an in-person meeting would be helpful, an appointment can then be scheduled.

Most trust documents can be found on AGED’s website, but it is suggested to call the office to speak with a Trust Advisor before completing trust documents.

At a minimum, completed Joinder and Fee Agreements along with proof of identification are required. Additional documents may be needed. A checklist can be found on AGED's website.

A pooled special needs trust is a legal instrument, and AGED recommends consulting with an Elder Law Attorney to determine if a pooled trust is a good option for you.

Any government document showing name, date of birth, and Social Security number, plus the facility face sheet. Preferred documents are a Driver's License, State ID, Social Security card, and/or passport.

It is helpful to know the person’s gross monthly income and assets. This information can help our Trust Advisors better understand the situation and determine the appropriate next steps.

Call the AGED office at 407-682-4111 and the team will guide you to the best department to address your needs.

• There are 4 ways to deposit funds into the trust account.
  • ACH Deposit – Beneficiary Advocate fills out a form to give the trust authorization to electronically pull funds into the trust account, this can be set up on a recurring basis or as a one-time ACH.
    • How do I fill out an ACH form?
      • We have provided an example ACH form for the Beneficiary Evelyn Carter to set up a recurring ACH on the 15^th of each month beginning in March. The Beneficiary Advocate is Michael Carter. Please be sure to attach a void check or bank statement showing the routing and account number for the account.
      • If you wish to make a one-time ACH transfer, please select the One-Time option and follow the same process.
    • Where do I send my ACH form?
      • Please email a completed ACH form to paymybills@trustaged.org, mail to the Aged office, or send via fax to 407-682-5511.
  • Check – A physical check can be used to fund the trust.
    • Where do I mail a check deposit?
      • Please mail a check deposit to the Aged office 1024 Florida Central Parkway, Longwood, FL 32750
    • How do I make out a check deposit?
      • Beneficiary Name SNT- AGED
  • Truist Bank Branch– deposits can be made at your local Truist branch, please call into the office for Truist account information.
  • Wire– in certain circumstances funds can be set up to wire directly to Aged, please call the office for the wiring instructions.

A deposit will generally take 2 to 3 business days to reflect in the trust account.

Yes. The trust does not pay for bills that should be covered by Medicaid or other medical insurance. Medical bills may require extra review and processing time.

A pooled trust can only pay for bills that are for the beneficiary's sole benefit. This means the bills must be in the beneficiarys name. Purchases for others, such as gifts, cannot be made from trust funds.

Yes. If a bill is in two names the trust can generally pay 50% of the bill as long as one of the names is the beneficiary.

Yes. Funeral payments can be made from the trust before the beneficary passes away. Pre-need funeral contracts must be irrevocable for Medicaid compliance.

If the beneficiary receives SSI, the trust does not pay expenses that would reduce SSI benefits, including rent, mortgage, utilities, water, sewer, and garbage removal.

Yes. Proof of home ownership is required and in some cases multiple estimates will be requested. These requests require additional review.

The beneficiary can never be reimbursed directly from the trust. Someone making a purchase on behalf of the beneficiary may be reimbursed with proper documentation.

Disbursements to professional guardians require a court order. Most other disbursements do not, although AGED may require a court order at its discretion.

A True Link card is a prepaid Visa debit card funded by the trust. Not all trusts are eligible.

Typical time to receive a True Link card order is 3 to 4 weeks. Cards may be expedited for an additional cost.

Complete the True Link disbursement request form and submit it to the Client Services department.

Automatic restrictions are set on the True Link card to protect beneficiaries. Contact Client Services to discuss spending settings.

Contact Client Services as soon as possible so a replacement card can be ordered.

Contact Client Services as soon as possible so a dispute can be initiated and the card can be replaced in case of fraud.

• Can I view my account Balance & Activity online
  • Yes. A Beneficiary Advocate can sign up for online access to view account balances, activity and statements.
• How do I sign up for Online Access?
  • Please fill out the following form and send it in to AGED via email or fax.
    https://trustaged.org/wp-content/uploads/2025/07/Online-Access-Form_03.04.25.pdf
    • After the form is filled out, what is the next step?
      • Once we receive the form, our Trust Administration team requests online access for you through True Link, our Trust Platform. An email will be sent to the email address provided on the Online Access Form.
    • I didn’t get my online access email, what do I do?
      • First, check to make sure it was not sent into a spam folder. If the email is not there, please contact the office and speak with the Trust Administration team.
    • Where do I go to view my account once Online Access has been established?
      • https://www.truelinkfinancial.com/

AGED charges a one-time enrollment fee based on initial funding and an annual administrative fee based on the market value of trust assets. Additional fees apply if the account is invested.

Monthly trustee fees are typically posted in the third week of the month. Quarterly investment fees post if the account was invested.

Yes. If an account if funded with $25,000 or more, it is typically invested in one of three portfolios based on the age of the beneficiary. Accounts less than $25,000 are generally held in cash. Balances and beneficiary ages are reviewed periodically for porfolio changes. Beneficiary Advocates may also discuss deviations to investment policy with AGED.

Statements are mailed quarterly or available online if the beneficiary advocate has signed up for online access.

Contact a member of the AGED team by phone or email to request the report.

If the trust is invested during the tax year, a tax letter will be mailed between March 15 and March 31 to the Beneficiary Advocate.

There are multiple Medicaid programs. Coverage depends on which program a person qualifies for. Clients can speak with the Benefits Department about program status and specific coverage.

QMB is a Medicare Savings Program and is not considered full Medicaid because the cost of coverage is shared with Medicare. If someone has Medicare they do not qualify for full Medicaid unless they qualify for another program that has full Medicaid benefits.

AGED is a nonprofit organization and is not part of the Department of Children and Families. However, AGED is a DCF Community Partner and can act as a liaison for AGED clients.

DCF requires that permissions be on file even if AGED is only looking at the information online to help advise the client on their benefit status.

Yes. If over-income, the amount you are over must be deposited monthly for you to remain eligible. If over-asset, the trust must remain in place as long as there are funds in the trust.

For questions about Florida’s Long-Term Care Waiting List or the assessment process, contact your local Aging and Disability Resource Center (ADRC) or call the statewide Elder Helpline at 1-800-963-5337.

The beneficiary is the disabled person designated to be the sole recipient of services and benefits under the joinder agreement and associated trust account.

The beneficiary advocate is the person named in the joinder agreement who may speak with AGED, provide guidance regarding the trust beneficiary’s care and interests, and also signs disbursement request forms. There may be more than one beneficiary advocate.

Advocates & Guardians for the Elderly & Disabled, Inc. (AGED), is the Trustee. AGED is a 501 (c) (3) not-for-profit organization.

After receipt of a death certificate, the trust account is reviewed by the closing team and processed in accordance with the termination provisions in the trust document. Letters are sent to the appropriate parties with closing information. This process may take 3-6 months.

Contact the office as soon as possible and send a copy of the death certificate when available. No payments can be made after notification of death.