CPT Institute: Proudly Selected as the Preferred Partner for The Center’s Special Needs Trust Administration

With a foundation built on transparency and integrity, CPT Institute is honored to be entrusted with this vital role. We are committed to guiding and supporting beneficiaries with care, compassion, and expertise—ensuring every step forward is made with trust and confidence. Contact us for more information on how we can help.

How Can CPT Institute Help You?

CPT Institute is a national 501(c)(3) non-profit charity and trustee dedicated to preserving government benefit eligibility for individuals who are injured or at-risk. Our mission is to provide education and training to both the public and the legal community to ensure these benefits are protected.

We specialize in Pooled Special Needs Trusts (PSNT) and offer state-approved PSNT services in 48 out of 50 states.

Our trust programs feature a straightforward monthly flat-rate cost, and we do not share our fees with any other organizations, ensuring transparency and affordability.

Why Choose CPT Institute

For over 25 years, CPT Institute has helped preserve government benefits for the injured and at risk. We've served over 10,000 clients across 48 states with one of the lowest cost national trust programs available in America.

Our Services

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First-Party Special Needs Trust (SNT)

Used to preserve eligibility for means-tested benefits such as Medicaid and/or Supplemental Security Income.

Preserves eligibility for individuals utilizing a Medicare Set-Aside (a countable asset for means-tested benefits).

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Third-Party Special Needs Trust

Funds given to the recipient of means-tested benefits (such as Medicaid and/or Supplemental Security Income) from a third-party to preserve eligibility.

Typically an inheritance.

Medicaid does not have a right to recover on funds at time of trust termination.

Settlement Management Trust (SMT) IMAGE

Settlement Management Trust (SMT)

Used to protect from misappropriation and/or when the client will have an anticipated need for means-tested benefits in (such as Medicaid and Supplemental Security Income) in the future.

Has trigger powers to transfer into a Special Needs Trust to protect eligibility at any time.

Minors Settlement Trust (CA only) IMAGE

Minors Settlement Trust (CA only)

Used when a minor needs access to settlement funds prior to age of majority and does not need to preserve eligibility for means-tested benefits (such as Medicaid and/or Supplemental Security Income).

Spend Down IMAGE

Spend Down

Typically used for small settlements when the client needs to preserve eligibility for needs-based benefits.

Will provide a client with everything they need to know to complete this economic solution.

Pooled Income Trusts IMAGE

Pooled Income Trusts

For many, spending down their surplus income each month to qualify for Medicaid isn’t feasible. Rather than reducing their income, they can use a pooled income trust to deposit excess funds.

By joining a pooled income trust, individuals with disabilities can set aside their surplus income, meet Medicaid eligibility, and retain access to these funds to cover their expenses.

Testimonials

“My name is Christina, I would like to recognize and acknowledge, my CPT representative Harrieth. She has done everything in a timely fashion, and has went above and beyond her CPT duties has my rep. She has not only been a pleasure to talk to, but answered all my many questions. I can't thank her enough for all of her help and pleasurable conversations. I would definitely recommend her for all CPT needs.”

Christina | Trust Beneficiary with CPT Institute

“I am so glad I found you guys. I like knowing my benefits are protected even after having these funds awarded to me. I didn't know it was possible and I was scared of losing my Medicaid. I am so happy to hear that I am finally approved for section 8 and that my trust can help me buy furniture for my new place. Thank you, again Harrieth”

David | Trust Beneficiary with CPT Institute

“I was having difficulties ordering Ryland something in time for the holidays due to not hearing back from CPT for weeks and not being able to reach anyone. She went above and beyond to try to find a solution for Ryland. Her communication was great and she followed through with every call she promised. She even went as far as asking for my input on what things CPT could possibly change to make things easier for us. I appreciate her taking the time to try to fix the problem completely so it doesn’t happen often.”

Sasha | Trust Beneficiary Advocate with CPT Institute

“Harrieth my trust representative asked me to email a review regarding a recent check issue that needed addressing following my last trust request. I am very satisfied with the quick response from Harrieth and the efficient and effective way the issue was handled and then resolved. Harrieth and I had two separate phone meetings during which she was very professional, friendly and helpful. It’s nice to know that if another issue happens in the future it will be handled in the same prompt efficient manner. I thank Harrieth for all of her helpful assistance she’s provided regarding administration of my CPT trust requests.”

Lynda | Trust Beneficiary with CPT Institute

“I wanted to say a thank you to Harrieth for always helping me every step of the way in our process you were our Angel.”

Salma | Trust Beneficiary Advocate with CPT Institute

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