Our Focus
Life'sPlan Inc. operates trust options for meeting the supplemental service needs of people with disabilities and the elderly without jeopardizing state and federal entitlements.

The goal of each of our Trusts is to enhance the quality of life of the beneficiary by providing a financing mechanism which operates through individualized Life Care Plans to arrange for supplemental services for the individual.

Life'sPlan works with individuals with disabilities, the disabled elderly and their families and others by offering:

• We have Multiple Trust Options to meet individual needs.
• We provide Personalized Case-Management to assist individuals and their families in navigating the process of setting up a trust.
• We offer Technical Assistance via Legal Counsel to assist the participant's attorney in drafting appropriate Trusts.
• We Provide the Trustee, which benefits families when there is no family available or chooses not to act in this role.
• We provide for Professional Oversight of Expenditures.
• We offer Tax Service billed at a prorated basis at a low fee based on the leverage of the pooled rate.
• We use Tested and Government Approved Forms.
• We offer Individual Statements upon request.
• Family Driven Process – care plan prioritizes participant and family needs and wishes.

• We have over 20 Years Experience established in the 1980's.
• Low Minimums ($10,000) to start a Trust. Others require $75,000 to $270,000.
• Low Fees in proportion to the starting Trust amounts.
• Strong Roots & Deep Community Ties through our long standing partnership with the Ray Graham Association.
• We have an Attorney Referral Pool which can assist in drafting an appropriate Trust.
• Some of our Trusts permits the use of some of the Money for Charitable Purposes after the death of the individual.
• Flexibility – care plan accommodates the changing needs of each individual.

Life's Plan History
In 1986, the Ray Graham Association began a non-profit pooled trust called the Self Suffciency Trust of Illinois. The Ray Graham Association has been providing services to people with developmental disabilities and their families for over 50 years. The Self Sufficiency Trust was a first of its kind in America as a pooled trust providing a financing mechanism that could benefit people with disabilities while not jeopardizing their public benefits.

In the 1990s, other special needs trust options were enacted into federal law called OBRA payback trusts. In 1996, the Board of Directors (Trustees) for the Self Sufficiency Trust decided to rename itself as Life’sPlan Incorporated. This re-incorporated pooled trust offers its beneficiaries both OBRA payback trust options along with its original third party trust. Life’s Plan as a pooled trust program has been providing a professional trustee to its customers with disabilities and their families for over 20 years.

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