Reviews

Review Details

• Review fromSantina T

  Date: 02/21/2025

  1 star

  Santina T

  Date: 02/21/2025

  This company is unethical and will say and do anything to keep your money. They play by their own rules and only reimburse when they feel like and prey off of low social economic families that don't have the legal resources to defend themselves. The name of their entire game is to keep the clients money. They will withhold and misrepresent information from ******** after your loved one dies. Ask for documentation for your final ******** payback claim. There are waivers for hardship that can be submitted within 60days to appeal these claims. Legacy Enhancement Trust withheld claim information for approx 9mo from a known beneficiary which claim affects (after multiple requests and known hardships), They also stated to ******** there was no family or beneficiary for the client which is false. They utilized "third party" company's to distract and point blame while they legally ride the fine line of the law to keep clients monies (as if these clients aren't struggling enough). It's unethical, not right, and in the end the man above SEES EVERYTHING. Especially how our disabled folks and their loved ones are treated during their time of need. This company would not even escalate my calls or provide a supervisors name or number when requested. I've dealt with plenty of bad companies, but this by far has been my worst experience.

  Legacy Enhancement

  Date: 02/25/2025

  Some important general information relating to **s trust:The trust preserving needed means-tested benefits that was established & opened by the beneficiary of the trust/owner of the settlement funds (your aunt) in December 2021.The portion of the joinder agreement designating a successor beneficiary was left blank. (Please note: This is different than the beneficiary for the annuity). The annuity contract (written outside of Legacy Enhancement and not in Legacy Enhancements control) did not have a commutation clause and did not list any family members as beneficiaries.Important Contribution/Distribution information relating to the ** trust from February 2022 through May 2024:Funded in February 2022 with initial annuity, Lump Sum in March ************************************************************************* April 2022 after liens & final expenses.The trust was funded from onset in 2022 until May 2024 with $361,213.00.The trust processed 150 disbursements for $334,616.71 from the trust account on the beneficiarys request/behalf. Disbursements for FeesLegacy Enhancements total fees assessed to this trust was $3,017.02. The beneficiary and her trust officers formed a good working relationship after initial growing pains. They spoke often regarding needs and processed disbursements accordingly. Important information pertaining to the trust from May 2024 forward:Legacy Enhancement was notified of beneficiarys death on May 22, 2024, at 3:45 pm EST. Date of Death May 20, 2024.Death cert is required to initiate lien resolution process with the ****. Received copy of Death Cert July 8, 2024. Process initiated immediately.Letter dated September 24, 2024, from **** was received by Legacy Enhancement on October 2, ***** at 10:22 am EST. From **** letter: Funds owed to MERP on this beneficiarys behalf were $151,294.95.Funds remaining in the trust $18,612.97 prior to May 2024 (prior to death) were released to MERP. Important notes regarding the annuity feeding into the trust:As noted above, this beneficiarys annuity policy (established outside of Legacy Enhancement) did not have a commutation clause, nor did it have a designated beneficiary at death. Legacy Enhancement Trustee of the beneficiarys trust was named.This meant that the annuity company was continuing to release monthly funds to Legacy Enhancement for the benefit of the named beneficiary based on the annuity policy on hand. Legacy Enhancement worked closely behind the senses with Compass Lien Resolution. Our Compass representative was in direct contact with a supervisor at ****. **** reported that if the money from the annuity was being released for the benefit of the named beneficiary, then the funds belonged to the beneficiarys trust and were indeed owed to ****. **** reported that IF Legacy could prove that the funds being received were not designated to the beneficiarys benefit, we could then release the funds as per the Joinder agreement. However, this was impossible as the funds were being released to Legacy Enhancement FBO (beneficiarys name). The funds were indeed belonging to the beneficiarys trust. Continued work behind the scenes:Legacy Enhancement was indeed part of emails w/Mutual of *****, the settlement planner and Compass to determine how to make these changes. On January 30th , an attempt was to see if the annuity company would agree to commutate the remainder of the funds. An email response from Mutual of Omaha at 8:15 am on January 31st that there is not an option to commute the payments since there was not a commutation rider on the contract. Legacy Enhancement Trust is the beneficiary so all future payments will be made payable to Legacy Enhancement Trust.Once we received this notice, we took action to deposit the additional checks we had received as it was indicated that the money belonged to the trust and therefore due to DHCS.The bigger issue with the annuity that delayed the process:This annuity policy listed Legacy Enhancement trust listed as the beneficiary to the annuity.A change of beneficiary form was completed. The form was dated for May 20, 2024, the date of the beneficiarys death. The form had listed the reporter of this complaint as the new beneficiary of the annuity. This form had to be approved by and accepted by the compliance department at ***************. This determination is not up to Legacy. The time it takes is also out of Legacys control Because this form was signed on the date of the beneficiarys death there was a chance that the compliance team would not accept this change.The compliance team reported back on February 7th at 2:27pm that they accepted the change & that the monthly payments would start going to the new beneficiary.Another email was sent to Mutual of Omaha on February 21st to determine the date of recognition of the beneficiary change. *************** responded that same day that they were making the change retroactive to the date of the document, May 20th. This meant that the money received by Legacy was due to the new beneficiary. Legacy worked w/************** to obtain a refund or cancel the check that was sent. In closing, Legacy is not attempting to keep money that does not belong to them. It is impossible to do. The trust documents and annuity policy dictate where the funds were to go at death (see above). Unfortunately, in this case, Legacy had to wait for word from all entities (the state of CA and the annuity company) involved, we could not proceed.

• Review fromEmerita N

  Date: 10/23/2023

  1 star

  Emerita N

  Date: 10/23/2023

  This money is for my daughter, she has some physical and learning disabilities. She is 20 and wants to work she cannot do her hair on her own they stated to use venmo, there card is not accepted, (waste of time) my daughter goes to black beauticians because they do locks, she needs to do a consultation and stated she will give me a receipt after! Its my daughters money what is wrong with Legacy why are they so tight i have a power of attorney over my daughter, if i have to get legal help then thats what ill have to do! Not all that glitter is gold with this company????????????

  Legacy Enhancement

  Date: 10/30/2023

  This beneficiary is on Income-Based benefits as per the documents completed by the grantor/parent. A Pooled Special Needs Trust was established by the grantor/parent with Legacy Enhancement to ****************** these income-based benefits of her daughter. The guidelines that Legacy Enhancement follows to ****************** these income-based benefits are mandated by the entities such Social Security & and ********* A trust is established so that ************** can be kept intact while having access to funds from a settlement that would otherwise disqualify the recipient (the beneficiary). To keep these benefits fully intact, funds must be distributed in a manner consistent with SS and ******** guidelines. Therefore, a Pooled Special Needs Trust cannot disburse cash to our beneficiary receiving the income-based benefits. This beneficiary has requested the use of a cash app (Venmo). Although we understand the convenience and widespread use of Venmo in multiple forums, the trust cannot allow transactions such as this as it can count as income. The Trust Officer for this beneficiary has offered multiple other means to make the funds available for this and future similar transactions.

• Review fromTorie S

  Date: 09/21/2023

  1 star

  Torie S

  Date: 09/21/2023

  I am not giving even giving them a half cause like someone commented they are out for them self and not help my disability son.. He can buy (pornography) but not food are pay bills as long as it's legal page 18 in there (PSNT) manual.. Y'all said y'all would help I don't see the help but I'll just buy more *********** things if it's legal... Only way to leave my comment is to give them one star

  Legacy Enhancement

  Date: 09/28/2023

  This beneficiary is on Social Security Income and food stamps. Both benefits are income-based. Social Security mandates what can be released from the trust without reducing those income-based benefits. Should the trust release funds for things such as food and utility bills (as requested by this beneficiarys parent) , it will have a direct impact on the income-based benefits that the beneficiary is currently receiving. Legacy Enhancement does not make the guidelines or the rules as to what is on the list of restrictions. Social Security does. It is understandable and frustrating that the trust can release funds for something that seems unnecessary and inappropriate over things such as food or utilities. However, Social Security sets those guidelines.

• Review fromJoni S

  Date: 08/10/2023

  1 star

  Joni S

  Date: 08/10/2023

  This company is terrible. No matter if you provide the receipts, screenshots etc they find every reason to deny a reimbursement. Their policies are beyond vague and they only enforce them when they choose too. They are refusing me access to my sons money to purchase him a car and forget about reimbursement on my credit card for things his card would not approve like clothes and shoes! So ridiculous that we are forced to use them and in order to move the trust you need a court order so more money out of pocket.

  Legacy Enhancement

  Date: 08/14/2023

  Guidelines for receipt submission is outlined in the manual that is distributed to all trust beneficiaries upon funding. Receipt submission is mandatory based on the guidelines placed upon Legacy by ********* the ******************************* and auditors. Specifically to this case, the beneficiary has received approximately $3300 onto their trust card over the last four months based on the receipts submitted.Guidelines for vehicle purchases are also outlined in the manual. Within that manual, it is very clearly outlined to reach out to the Trust officer to determine an allowable budget based on the balance in the trust. A trust company CANNOT release funds that are not in the trust account. In this case, the family was requesting funds above the dollar amount in the trust at the time of the purchase. In addition, the needed documentation, vehicle checklist, requirement for **************** holder is all outlined within that manual. Beneficiaries are strongly encouraged to contact their Trust officer to review these processes & budget PRIOR to shopping.

• Review fromJannet M

  Date: 07/27/2022

  5 stars
  Excellent service And Great hospitality! Im a client and when have a question and I call my my trust support worker Takes her time and communicating help me with the situation

• Review fromLatunya W

  Date: 07/07/2022

  1 star
  I have been a client of this company since 2018 and it has not been a pleasant one! The communication and runaround that I am getting is concerning. I feel that I am being racially discriminated against and wrongfully represented by this company! I have documentation of the communication or thereof from the representatives of this company that show my concerns! Not to mention this company has signed a title document under a company entity that does not exist which has caused me not to be able to sell our home! When trying to communicate with said representatives from this company i either get a phone disconnect with NO call back or very rude treatment! I feel that the only reason they are doing this to me is because of my race and this is a violation of my Human Rights along with many others!