ELO Logo

Enhanced Life Options Group
Developing Enhanced Life Options for
People with Disabilities

Our Programs

Enhanced Life Options (ELO) has accepted special needs trust referrals from individuals, agencies, organizations, guardians, attorneys and other advisors since 1993, and has been named special needs trust manager by New Hampshire Probate Courts since 1994. Our board of directors consist of nine people most of whom have a person with disabilities in their family. Board members also have professional skills including disability advocacy, law enforcement, and banking. Board members have also been active professionally in the New Hampshire's disabilities community for many years working with non­profit organizations including Granite State Independent Living, the Disability Rights Center, NAMI New Hampshire and the Parent Information Center. Our 5 staff members all have family members with disabilities and are all active in the disabilities community.

We have a variety of special needs trust programs available:


A trust can be drafted by an attorney involved with the family and then discussed with ELO.

Tim Morse/Morse Photography

Some trust provisions are suggested: supplemental needs language; a provision allowing pooling; a trust protector or special power of appointment provision; a provision against alienation; and a provision concerning the trustee visiting with the person with disabilities. The trust can be individually tailored to the individual's unique situation so long as it meets the various requirements of the law. The person setting up the trust or that person's attorney can get in touch with ELO and discuss these issues. This program has ELO serving as trust manager in cooperation with Lincoln Financial of Concord, New Hampshire or with a bank or financial advisor selected by the person establishing the Trust. This Program was established in 1993.


In 2004 ELO created a Master Special Needs Pooled Trust program, which was accepted by public benefits authorities at that time, and which disabled individuals are able to join simply by signing a self-settled joinder agreement.

Trust Program II works relatively the same way as Trust Program I, when it comes to purposes and distributions. However, the disabled individual does not need to prepare the Trust. The person with disabilities can retain an attorney to review the master trust and joinder agreement. The trustee of this program is Passumpsic Savings Bank, a national bank which conducts business in New Hampshire and Vermont, and ELO serves as trust manager. Trust Program II has been accepted by public benefits officials in New Hampshire and Vermont.


In 2010 ELO created a Master Special Needs Pooled Trust program, which can be joined by signing a joinder agreement like Program II. Trust Program III works relatively the same as Trust Programs I and II, when it comes to purposes and distributions. However, the disabled individual does not need to prepare the Trust. The trustee of this program is Charter Trust Company, a trust company which conducts business in New Hampshire, Vermont and Maine, and ELO serves as trust manager.

We have three types of pooling arrangements available: (1) individually tailored trusts prepared by an attorney, with pooling provisions; (2) self-settled master trust arrangements where the family or the disabled individual joins a trust already created; and (3) third-party master trust arrangements where the family joins a trust already created.


In 2010 ELO created a Medicare Set-Aside Trust program, which is used in personal injury actions. The monies deposited into this trust are used only to pay for medicare allowable expenses. This trust also requires a separate special needs trust (similar to Trust Program I), which pays the administrative costs to run the Medicare Set-Aside Trust.


The ELO can be the right choice to manage your special needs trust. Families in New Hampshire and across the country have selected not­for­profit organizations such as the ELO mainly because:

A non-profit trust manager with knowledge of disabilities issues can add  value beyond financial arrangements;
A non­profit trust manager can handle the trust in collaboration with or under the supervision of a family member, professional advisor or bank trustee;
A non­profit trust management organization is established to continue indefinitely whereas relatives and individual advisors are mortal;
A not­for­profit pooled trust can be established by the individual with disabilities;
Not­for­profit pooled trust programs are specifically authorized in the federal law governing medicaid and social security. 

At times we may be requested to provide additional personal services for our clients. We provide information, education and consulting services for people with disabilities whether or not we provide trustee services for a disabilities trust.

Since the beneficiary of a special needs trust may not serve as trustee, one or more family members may come to mind to serve as trustee. Often, however, no family member comes to mind who is available or the family member being considered is a generation or two older than the beneficiary, and may not be living when the beneficiary most needs the trust. Sometimes a younger family member wants to be involved but does not have the time to actually manage the trust.

ELO can serve as trust manager subject to what is called a trust protector or a special power of appointment holder. This allows a family member to remain involved in a supervisory role, if desired. It might be a sibling who does not have the time to do more. The trust protector or holder of the special power of appointment can also be a professional advisor. ELO can also serve as trust manager with the trustee being a professional trustee, such as an attorney, accountant or other family advisor. It is also possible to name a corporate trustee such as an independent trust company or a bank with a trust department.

Specific personal services can be provided or arranged for people with disabilities, without duplicating what other organizations are already doing, such as:

Purchase medical insurance and medical care, dental services and supplemental care not otherwise provided;
Purchase furniture, furnishings and household goods;
Purchase computers, telephones, televisions, adaptive gear;
Pay for education, training, books, tutoring, cultural experiences, personal assistants, advocates, and mentors;
Purchase, pay taxes, fees and related charges on, adapt, equip and repair motor vehicles or pay for drivers or taxi services;
Pay for reasonable travel and related expenses including to participate in educational, physical fitness and work activities;
Purchase, pay property taxes and related charges on, repair, furnish, equip and adapt real estate, including homes, condominiums and duplexes;
Pay for pets and associated costs including veterinary care;
Purchase final arrangements;
Pay for or provide items or benefits not furnished or paid for by public benefits; and
Purchase final arrangements;

In addition to providing trust services, the ELO has participated with the New Hampshire Community Loan Fund in a program which makes available Individual Development Accounts (IDAs). IDAs are matched savings accounts designed to help eligible low-income people with disabilities accumulate investments for education, home ownership and small business development in the Manchester, N.H. and Portsmouth, N.H. areas. ELO has also participated in a study of work incentives in the disabilities community, funded in part by the U.S. Social Security Administration, to provide Individual Career Account (ICA) demonstration projects in the Manchester, N.H. and Keene, N.H. areas. ICA's are micro­grants designed to help remove work­related financial barriers for Client with her carpeople with disabilities.

ELO's strategic partners include Charter Trust Company, Passumpsic Savings Bank, Lincoln Financial, Northeast Credit Union, the New Hampshire Community Loan Fund and Southern New Hampshire University. ELO is a member of the New Hampshire Brain Injury Association, the Autism Society, the National PLAN Alliance, and the National Guardianship Association.

ELO is a 501(c)(3) public charity. The organization is bonded to the maximum allowable amount and is audited annually. It has five staff members and also utilizes independent contractors. No minimum or maximum asset balance is required to be eligible for services. Services are available throughout New Hampshire and Vermont, and are available regardless of the specific type of disability. The organization's packet of information is available by calling (603) 472­2543 or (603) 524­4189, or writing to Enhanced Life Options Group, 3 Executive Park Drive, Suite 269, Bedford NH 03110. You can also visit the ELO web site at http://www.elonh.org.

* State approved in New Hampshire and Vermont

Enhanced Life Options Group
3 Executive Park Drive, Suite 269
Bedford NH 03110

Telephone: (603) 524-4189 or (603) 472-2543
Fax: (603) 524-5766
E-mail: contact@elonh.org
Website: www.elonh.org

Home | ELO Brochure | Contact us | Programs | Resources

Copyright © 2017 Enhanced Life Options Group. All rights reserved.