Skip to main content

Welcome to Midland! How can we help you today?

Locations Help
Locations Help

Personal Online Banking Login

Forgot Username/Password? Enroll in Online Banking

Business Banking

Login

Mortgage Statements

Login

Credit Card Logins

Go

Wealth - Trust & Investments

Login

Wealth - Raymond James

Login

Wealth - (RPS) Epic Advisor

Login

Beneficiaries & Families

Committed to Serving You & Your Loved Ones

Considering trust options may feel overwhelming. We lead with compassion, empathy, and respect, and are here to help.

Your Trust, Our Care

We deliver value and service through experience, objectivity, and understanding.

Explore Our Services

We offer estate administration, customized trust management, and in-house wealth management services. 

Special Needs / Supplemental Needs Trusts (SNTs) Administration

Sometimes, a person with disabilities needs to protect their public benefits, such as Medicaid. Establishing an SNT provides a ‘safe harbor’ for assets and is therefore not counted when determining eligibility for public benefits. Trust assets are used to pay for special needs that government programs don’t cover.

There are two types of SNTs:

  • First Party SNT (Self-Settled or OBRA ’93) – established with assets of the person with disabilities, typically from lawsuit proceeds
  • Third Party SNT – created and funded with assets from someone other than the person with disabilities

Contact us today to learn how we can advocate for you or a loved one’s success.

Learn More about Special Needs Trust Administration

Guardianships / Conservatorships

We may act as a guardian/conservator of the estate for you or a loved one to help preserve and protect assets. We may help if you or a loved one is a(n):

  • Minor or adult with disabilities receiving proceeds from a personal injury or wrongful death lawsuit
  • Minor receiving an inheritance as a result of their parents’ untimely death
  • Adult adjudicated as unable to handle their financial affairs

You’ll feel reassured that you’re cared for throughout the process as we work to preserve and protect your assets and property or those of your loved one.

Learn More about Guardianship / Conservatorship Administration

Trust & Estate Administration

Appointing Midland as the administrator of your trust or estate means you’ll be getting experience, compassion, and guidance as we work to preserve the wealth and assets you or a loved one have accumulated.

Our team of experienced professionals may help you by:

  • Acting as administrators of a trust for you or a loved one
  • Acting as executor or personal representative for an estate
  • Providing experienced estate guidance and advice

Our team may help administer traditional trusts or help settle estates.

Learn More about Estate Administration
friendly female Midland employee smiling at camera

Why Choose Midland

  • Experience and Dedication
  • Compassion and Understanding
  • Personalized Service
  • Cost Savings
  • Investment Options
  • Government Benefit Program Knowledge
  • Spanish-Speaking Administrators

We Care About You and Your Loved Ones

We understand your circumstances and situation are unique to you. We want you to feel comfortable throughout the process, and then we’ll get to work. We’ll put together a plan and work with you every step of the way so that your needs are addressed.

  • We work with outside vendors to lower the cost of items such as medical supplies, pharmaceuticals, and handicapped-accessible vehicles.
  • We have experience in coordinating home modifications and purchases.
  • We prepare annual court accountings.
  • We provide access to a pre-paid debit card to make purchasing services or items easier.

You’ll have a team to rely on – a dedicated Trust Officer and Administrator. We strive to earn your trust and will make every effort to protect you or your loved one.

Establish a Special Needs Trust

Protect the current or future public benefits of you or your loved one.

Learn More about Establishing a Special Needs Trust

Set Up a Guardianship

Preserve and protect the money and property of you or a loved one.

Learn More about Setting Up a Guardianship

Learn about Trust or Estate Services

Manage and preserve the wealth and assets you or a loved one has accumulated.

Learn More about Trust or Estate Services

Your Trust, Our Commitment

Let’s get started. We’re ready to partner with you and advocate for your client.

Midland [Trust Company] has a very professional and caring team who oversees many aspects of my daughter’s trusts. Through the years I can honestly say they have given me favorable advice and have been very compassionate. They truly understand the special needs of a trust account and a child with a disability.
Shanna, Client
Our [Midland Trust Company] trust officer has the best interest of our family in mind. They helped me make wise decisions with our spending which in turn helped me make smart decisions with how we spent my daughter’s money too.
Charlene, Client
I have been with Midland [Trust Company] for several years now in the capacity of my daughter’s trust. The professionalism they exhibit is beyond compare yet they know how to add a personal touch to everything they do. Midland [Trust Company] has strong leadership and valued principles, and I am confident in their stability.
Carolyn, Client

Frequently Asked Questions

What is a special needs trust?

Sometimes, individuals with disabilities need to protect their current or future public benefits. Assets over a certain limit may disqualify them from receiving these benefits. The solution is to establish a “special needs” or “supplemental needs” trust. This trust provides a safe harbor for the assets of the individual with disabilities so that these assets aren’t counted when determining eligibility for public benefit programs. 

Assets in the trust may be used to pay for needs that government programs don’t cover. The trust may make funds available for special therapies, procedures, and equipment, and for education, training, and other items that make life more comfortable. 

Types of special needs trusts: 

  • First-party: Also known as “self-settled” special needs trusts, these are established with the assets of an individual with disabilities, often from lawsuit proceeds. 

  • Third-party: These are created and funded with the assets of a person other than the individual with disabilities, often a parent or grandparent. 

As an administrator of both first-party and third-party special needs trusts, we provide:

  • Comfort and peace of mind through careful review of your loved one’s needs in relation to government benefits. 

  • Availability when and where you need us, guiding you through important considerations.

  • One-on-one service from an assigned, dedicated trust officer and administrator.

  • Access to key services and reduced costs so that your money works harder and goes further. 

  • Coordination with your loved one’s caregiver so that they get what they need when they need it. 

What is a guardianship?

Midland's court-supervised trust team specializes in administering guardianships and other court-supervised trusts for minors or adults with disabilities who receive proceeds from a personal injury or wrongful death lawsuit. To protect and preserve a ward’s assets, the court may appoint a corporate fiduciary as guardian of the property. 

A guardianship of the estate is established by a court for minors or adults with disabilities who cannot legally manage their finances. The court appoints a Guardian of the Estate, who is responsible for the ward’s financial and legal matters. Upon appointment, the court usually requires inventories, budgets, and accountings for the ward's financial estate. 

In all types of guardianships, the process does not end with the appointment of the guardian. The process closely links the guardian with the courts, which retain control and oversight over the guardianship. 

What are basic duties of a guardian of the estate?

The guardian of the estate is responsible for managing the property, finances, and legal affairs of the ward. At a minimum, the guardian is required to: 

  • Establish a monthly budget. 

  • Determine overall cash flow needs and living expenses. 

  • Pay all bills and ongoing expenses. 

  • Coordinate medical insurance payments. 

  • Pay ongoing medical expenses. 

  • Prepare annual court accountings. 

  • Prepare state and federal income tax returns. 

  • Invest and manage all assets, including real estate. 

  • Investigate and pursue all available public benefits (e.g., Social Security, Medicaid). 

  • Safeguard the ward’s assets and maintain insurance coverage if appropriate. 

  • Apply the ward’s assets to their comfort, care, and education. 

  • Respond to any legal matters concerning the ward so that they are represented in any court proceedings. 

This is provided for informational purposes only and not for the purpose of providing legal advice. 

What are the limitations on the guardian of the estate?

As a guardian of the estate, there are certain actions that cannot be taken without specific permission from the court. A petition must be filed with the court before performing any of the following: 

  • Transferring or selling any of the ward’s assets or real estate. 

  • Mortgaging the ward’s real estate or taking out any other loans on the ward’s behalf. 

  • Making any gifts from the ward’s estate, even if the ward gives permission. 

  • Expending any large sums of the ward’s money for unusual or extraordinary expenses, such as the purchase of a new home or automobile. 

This is provided for informational purposes only and not for the purpose of providing legal advice. 

Prefer Personal Assistance?

Our team of dedicated professionals are here to support you.

Open Your Account

Get started online in just a few minutes—fast, easy, and secure.

 Start Now
Apply for a Loan Enjoy the convenience of applying online today. Let's Get Started
Build Wealth with Confidence Our strategy starts with you. Talk to an Expert
We're Midland. You might say we're unlike any other bank. And you'd be right. Explore Who We Are
We're Midland. You might say we're unlike any other bank. And you'd be right. Explore Who We Are
Can't get to the bank? No problem. Midland Digital Banking makes it easy to handle banking on the go. See how it works.
Can't get to the bank? No problem. Midland makes it easy to open your account online. Open an Account