How can you use the funds in your trust?

Here is a guide to some of the areas where you can user your trust funds.

Supplemental Medical and Medical-Related Needs

  • Medications
  • Non-necessary medical care, services, and procedures
  • Special dietary supplements
  • Special equipment and clothing
  • Supplemental nursing care
  • Rehabilitative and physical therapy
  • Wheelchair, electric scooter, and/or other mobility aiding equipment
  • Medical implants, artificial limbs, and orthotics, and other similar items
  • Mechanical, electric, or other special beds
  • Psychological services
  • Dental, ophthalmic or auditory care
  • Home improvements to make the living environment more accesible
  • Cosmetic surgeries
  • Experimental treatments
  • Alternative medical treatments and medications
  • Similar care which public assistance programs may not otherwise provide, including payments to those providing services in the home or other locations

General Needs

  • Payments to caregivers
  • Attorney, Care Manager, and Guardian services and fees
  • Motor Vehicles
  • Clothing
  • Entertainment
  • Electronics, including
    • Phones
    • Television
    • Cable
    • Internet
    • Stellite
    • Wireless services
  • Visitation or vacation-related expenses
  • Recreational activities
  • Hard, nail, and other personal care
  • Stamps, writing materials, and packaging materials
  • Special sports and social memberships
  • Prepaid burial space
  • Insurance premiums on personal property

Our Legal Obligations to You: Three Golden Gates

There are three essential things CPT Institute has to consider when you make a disbursement request from your trusty to help you preserve and protect your valuable government benefits. We call these the "3 Golden Gates."

1. Does the distribution request harm your physical or mental safety? Your can use the funds in your trust for medical-related needs, food, shelter, a vehicle or home, and event credit card debt, depending on your situation. But such benefits do not extend to activities that could compromise your physical or mental safety or put you in danger.

For example, you can't user your trust fund to finance a skydiving lesson!


2. Is the request in your long term interest? (In technical terms, does the request meet the CPT Institute "fiduciary duty" to you.) The fiduciary duty is the highest legal obligation available in the United States. As your fiduciary, we have to work in your best interest. Any disbursement must make financial sense in the long term, and we must ensure you can meet your essential basic needs.

If we are legally obligated to decline your request for disbursement, we may help you accomplish your goal differently. For example, you may have to purchase a home security system rather than a gun, or a more affordable car instead of using all your funds on a flashy sports car.


3. Could the request jeopardize your eligibility for government benefits? CPT Institute stays fluent in state-specific rules and regulations to ensure you do not miss out on government benefits. We also stay up-to-date on regulations or benefits that could affect your trust disbursements.

Our goal is to help you--but also to protect your long-term interests. If we ever say no to a request, it likely is because the request does not meet on of these standards.