North Bay Housing Coalition

GOLDEN STATE POOLED TRUSTThe Golden State Pooled Trust (GSPT), established in 2004, has grown to support over 550 beneficiaries with a trust corpus totaling $22,251,250 as of 12/31/2024. GSPT ensures reliable asset management while safeguarding continued eligibility for essential government benefits, such as Supplemental Security Income (SSI), Medi-Cal, and In-Home Support Services (IHSS).GSPT holds funds from sources like lawsuit settlements, inheritances, or other payments, which is crucial in cases where:1. A sudden influx of funds could disqualify a person with disabilities from essential public benefits.2. The recipient requires ongoing care or advocacy over an extended period.3. The award may be quickly depleted to cover medical expenses, which would otherwise be covered by Medi-Cal, and the recipient lacks other financial support to meet their needs.Pooled special needs trusts are an effective solution for managing unexpected financial proceeds, such as those from litigation or inheritances, while preserving access to critical benefits that support the well-being of the individual. Funds placed in a properly structured pooled special needs trust, like GSPT, are not considered a resource when qualifying for SSI, Medi-Cal, or IHSS.Maintaining a balance between preserving public benefits and accommodating the limitations of a special needs trust is essential. The primary restriction is that beneficiaries do not have direct access to the funds. Instead, the trustee pays for goods and services on their behalf.Skilled trustees and advisors experienced in managing special needs trusts can help alleviate the restrictions, making the process smoother.The Golden State Pooled Trust is a sound option for protecting litigation proceeds, offering secure asset management and dedicated advocacy for the benefit of the trusts beneficiaries.HOUSING SERVICES AND SUPPORTS TO PERSONS WITH INTELLECTUAL/DVELOPMENTALDISABILITIESOur Housing Services and Support program is designed to empower individuals withintellectual and developmental disabilities (I/DD) to achieve stable, independent living arrangements. This comprehensive program offers essential guidance and resources through each step of the housing journey, from planning to implementation. Key components of the program include:1. Development of a Personalized Housing Plan: Each participant receives a customized housing plan that addresses individual needs and goals. The plan includes detailed budget analysis, helping individuals understand and manage housing costs and identify financial resources.2. Housing Search: we offer specialized housing searches tailored to each personsdesires and needs.3. Background Check Coordination: To enhance housing security and meet requirementsof potential landlords or housing providers, we conduct thorough background checks.This step helps facilitate access to suitable housing options that prioritize safety and accessibility.4. Identification of Housing Barriers: We work with participants to identify potential obstacles to securing housing, including financial limitations, credit history, or accessibility needs. Our team provides actionable solutions to overcome these barriers, opening pathways to stable housing.5. Tenant Education and Empowerment: Education is a vital component of our program.Participants receive training on tenant rights and responsibilities, budgeting, andhousehold management. This empowers them to build sustainable housing practicesand maintain long-term tenancy successfully.6. Mediation and Liaison Services: We act as a mediator and liaison betweenparticipants and property managers to facilitate clear communication and ensuremutual understanding. Our team supports individuals in negotiating lease agreements,addressing concerns, and resolving conflicts with property managers. By providingskilled mediation, we foster a positive relationship between tenants and propertymanagers, helping to maintain stability and long-term housing success.7. Accessible Homeownership Opportunities: In addition to rental options, our program assists individuals with disabilities who wish to own a home. We provide resources and support throughout the home-buying process, including down payment assistance, mortgage guidance, and information on accessible home modifications. These services empower individuals with disabilities to achieve the security and stability of homeownership.8. Financial Counseling and Education: Participants receive financial counseling to help with budgeting, managing expenses, and maintaining financial health while owning or renting. This guidance promotes self-sufficiency and prepares individuals for the longterm responsibilities of renting or owning a home. Through these services, we aim to create inclusive housing opportunities for individuals withI/DD, promoting independence, stability, and a higher quality of life.PROPERTYOur Affordable Housing Rental Program provides safe, accessible, and affordable housing options for persons with disabilities, supporting both independence and community inclusion. This program aims to address the unique needs of individuals with disabilities by offering affordable rental units.Key Program Components:1. Affordable Rental Units: We offer rental housing with reduced rent costs specifically designed for individuals with disabilities. Each unit is adapted or adaptable to meet accessibility requirements, ensuring that residents can live comfortably and independently in a safe environment. Our affordable rent structure is designed to be sustainable for those with limited income, reducing housing-related financial stress.2. Supportive Housing Services: Our program includes ongoing housing support, such as assistance with tenant rights, maintenance resources, and community integrationservices. By fostering strong relationships with property managers and communityservice providers, we work to ensure a stable and supportive housing experience for all residents. Through these services, the Affordable Housing Ownership and Rental Program helps individuals with disabilities access secure and affordable housing, empowering them to lead independent, fulfilling lives within their communities.