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good morning everyone and thank you for joining us today to learn more about how to help people with disabilities of all ages protect their eligibility for means tested government benefits when they come into a sum of money such as proceeds from a settlement that puts them over the financial limits for medicaid and or supplemental security income benefits my name is sarah and im the director of outdocHub and community relations at nice ark trust services and id like to introduce you to nadia argentino nyssarks trust attorney who will be presenting todays webinar good morning everyone nissar trust services is a not-for-profit organization that was established by the arc new york in 1972 and has helped more than 20 000 people with disabilities protect benefit eligibility and improve their quality of life nystar hosts this free webinar series to help educate people families and professionals about irrevocable supplemental needs trust and how to help people with disabilities protect be