CPT Institute

The nation's most advanced Special Needs Trust company, known for our transparent flat fees, cutting-edge technology, and a strong commitment to compliance.

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.

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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 and Puerto Rico.

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.

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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 and Puerto Rico (excluding Connecticut and New Mexico) with one of the lowest cost national trust programs available in America.

Pros of Working with CPT Institute as Your Non-Profit Trustee

Expertise in Special Needs Trusts: CPT Institute specializes in the administration of special needs trusts, ensuring that beneficiaries with disabilities can maintain their eligibility for public assistance benefits.
Non-Profit Status: As a non-profit organization, CPT Institute is dedicated to serving its clients' best interests without the pressure to generate profits for shareholders.
Dedicated Trust Administrator: You will be provided a direct line and calendar link for the Trust Administrator in charge of helping you make the most of your trust assets.
Online Portal: You will be provided with access to an online portal to submit requests, see your balances, and trust activity.
Educational Resources: They provide educational materials and resources on their website (www.cptinstitute.org) to help individuals understand the complexities of trust management.
Personalized Service: CPT Institute offers personalized service tailored to the unique needs of each beneficiary, providing peace of mind that their financial affairs are being handled with care.
Professional Management: The organization employs professionals who are knowledgeable about the legal and financial aspects of trust management, ensuring competent handling of the trust assets.
Compliance Assurance: With their focus on compliance, CPT Institute helps ensure that the trust adheres to all relevant laws and regulations, protecting the beneficiary's interests. They retain a non-profit law firm counsel to maintain and keep them compliant nationwide.
Community Involvement: Being a community-oriented entity, they often engage in activities and advocacy that support the broader community of people with disabilities.
Cost-Effective Solutions: As a non-profit, CPT Institute may offer more cost-effective solutions compared to for-profit trustees, potentially resulting in savings for the trust.
Long-Term Stability: Their non-profit nature often means they are focused on long-term stability and sustainability, which is crucial for the ongoing management of a trust.
Accessibility: CPT Institute makes it a priority to be accessible to clients, offering support and answering questions regarding the management of the trust.
Investment Transparency: You will be provided with quarterly statements for any funds you have invested.
Investment Custody Agents: Report directly to our VOLUNTEER board with performance reviews provided at each quarterly board meeting.
Annual Independent Audits: Annual independent audits of CPT Institute's books are completed annually, and deficiencies are provided to the board directly; independent of the Executive Director.

By choosing CPT Institute as your non-profit trustee, you benefit from their specialized knowledge, commitment to education, and dedication to the well-being of individuals with special needs.

Why Choose CPT

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.

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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.

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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).

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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.

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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.

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Testimonials

    
 
 
         
   Mary 
 
 
 
 Trustindex verifies that the original source of the review is Google. I love my experience with CPT and Jennifer is friendly, prompt with my disbursement and and overall excellent communication with me. The online platform is easy to understand and easily to fill out requests. I give it 5 stars!
  
 
        
   Pamela King 
 
 
 
 Trustindex verifies that the original source of the review is Google. My son and I am very happy with the way he is taken care of through CPT. The transition went way smoother than we could have asked for and we love his avocate Mari G.
Thank you so much for taking care of my sons needs. We consider you part of our family.
Pamela King c/o Allan King
  
 
        
   Eleandro Ocampo 
 
 
 
 Trustindex verifies that the original source of the review is Google. Gracias Mari por ser tan amable, me siento muy satisfecho con su trabajo
  
 
        
   Sera Burt 
 
 
 
 Trustindex verifies that the original source of the review is Google. My transition to CPT was fast and efficient. Their staff is very attentive and knowledgeable. Jennifer is my assigned team lead, she is so lovely and makes the request phase as easy as possible!
  
 
        
   Kimbendy Potsyanne 
 
 
 
 Trustindex verifies that the original source of the review is Google. I’ve only been working with Jennifer and the trust company since April 2026, but my experience so far has been very positive. Jennifer is an excellent listener and has been patient and helpful in explaining some of the confusing aspects of how the system tracks incoming payments and balances. She takes the time to help me understand what I’m seeing rather than leaving me feeling lost or frustrated.

She has also shown compassion and understanding during a difficult period of grief and overwhelm. I appreciate her patience, professionalism, and willingness to listen and help me work through things one step at a time.

So far, I truly feel blessed to have Jennifer as my trustee!
  
 
        
   felicia Mobley 
 
 
 
 Trustindex verifies that the original source of the review is Google. I have really enjoyed working with my case manager Jennifer and I look forward to continuing working with her in the future
  
 
        
   Teresa Flores 
 
 
 
 Trustindex verifies that the original source of the review is Google. To whom it may concern my assistant Brenda has great customer service. She’s been very patient with me. She’s always helping me with issues she deserves a raise. She’s so great and explaining to me and my daughter and resolved all my issues. I’m very grateful. I got a wonderful person. That is very helpful to me. Thank you so much, Brenda.