New Blogs
Understanding the SSA Overpayment Policy: A Closer Look
By: William Lindahl, Executive Director The Social Security Administration (SSA) recently announced a significant change in its overpayment recovery policy. After a year of limiting the recovery rate to 10%…
Read MoreWhy CPT Institute Was Chosen to Handle One of the Largest Bankruptcy in the Trust Industry
Experience and reliability are key to managing complex financial situations, especially in the trust industry. CPT Institute stands out as one of the safest national pooled trust programs in America,…
Read MoreWhy Choose CPT Institute
Choosing the right trustee is crucial, and CPT Institute stands out as a perfect fit for many clients. Here’s why: Cost-Effective and Transparent Dedicated and Reliable Reputation and Service Community…
Read MoreWhy CPT Institute is Highly Regarded by US Government Agencies
By: William Lindahl, Executive Director Expertise as a Charitable Non-Profit Trustee CPT Institute specializes in managing various trusts, safeguarding the financial well-being of those unable to earn an income. They…
Read MoreGame-Changer for SSI: Beginning Today, SSA Overhauls Food and Rent Rules, Boosting Benefits for Millions
By: William Lindahl, Executive Director September 1, 2024 marks a significant transformation for Supplemental Security Income (SSI) beneficiaries as the Social Security Administration (SSA) implements new rules that overhaul how…
Read MoreStructured Settlements and Special Needs Trusts: A Synergistic Approach
Understanding the interplay between structured settlements and special needs trusts is essential, especially for individuals with disabilities. It’s also important to note that except in California, a commutation rider is…
Read MoreTransparent Fees, why are they Important when shopping for a Trustee?
When it comes to finding a low cost non-profit trustee like CPT Institute for your Individual Special Needs Trust (SNT) or Pooled Special Needs Trust (PSNT) be sure they are…
Read MoreCPT Institute: A Technology Forward Non-Profit Charitable Trustee
By: William Lindahl, Executive Director CPT Institute emerges as a technology forward non-profit/charity trustee, leveraging technology to streamline operations and spearhead innovation. Here’s an insight into their tech forward approach:…
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Featured Resources
What is a Special Needs Trust? [The Complete Guide]
Special Needs Trusts April 10, 2023 What they are and how they can help you In order to qualify for government benefits like SSI and/or Medicaid as a result of…
Read MoreMedicaid’s Underestimated Value to Medicare Recipients
By Cameron Lindahl, M.S., Director of AdvocacyCPT Institute, A 501(c)(3) Tax-Exempt Charity Despite the similar terminology, Medicare and Medicaid are NOT the same regarding coverage or eligibility rules. The individuals…
Read MoreHOW THE 2018 POMS UPDATE AFFECTS TRUST BENEFICIARIES
How the 2018 POMS Update Affects Trust Beneficiaries By Cameron Lindahl, M.S. and David Lillesand, J.D The Social Security Administration (SSA) released amendments to the Program Operations Manual System (POMS)…
Read MoreDEEMING: HOW AN INDIVIDUAL’S INCOME & ASSETS AFFECT ANOTHER’S ELIGIBILITY FOR SUPPLEMENTAL SECURITY INCOME (SSI)
Deeming: How an Individual’s Income & Assets Affect Another’s Eligibility for Supplemental Security Income (SSI) By: Cameron Lindahl, M.S. & Sara Toor, M.A.Revised March 2018 What is Deeming and Why…
Read MoreWHAT IS THE DEFICIT REDUCTION ACT?
What is the Deficit Reduction Act? By Sara Toor M.A. & Cameron Lindahl M.S. The Deficit Reduction Act of 2005, also known as DRA, is a Federal law that grants…
Read MorePAYING DEBT WITH A SPECIAL NEEDS TRUST
Paying Debt with a Special Needs Trust Sara Toor, M.A. & Cameron Lindahl, M.S. A Special Needs Trust (SNT) can pay past debt incurred by beneficiaries. This includes credit card…
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“Mind the gap” in government benefits caused by a settlement
Cameron Lindahl, Director of Advocacy at CPT Institute, recently published an article in the Consumer Attorneys of California (CAOC) Forum Magazine. The article discussed solutions available to applicant attorneys as…
Read MoreA SPEND DOWN: WHEN A SPECIAL NEEDS TRUST ISN’T THE BEST OPTION
To be eligible for Supplemental Security Income (SSI), Medicaid, or In-home support services (IHSS), you cannot have assets in your name that are valued at more than $2,0001. If you…
Read MoreADDRESSING SSI OVERPAYMENTS IN DEPTH
Addressing SSI Overpayments in Depth Sara Toor, M.A. & Cameron Lindahl, M.S. What is an Overpayment?The Social Security Administration (SSA) describes an overpayment as an individual receiving more money for a month than the…
Read MoreAsset Limit Test Update
In this blog, I will discuss some of the implications associated with the passage of Assembly Bill (AB) 133, effective January 1, 2024, more specifically, the removal of the Asset Test…
Read MoreBENEFICIARIES WHO RECEIVE MEDI-CAL AND NOT SSI
If a beneficiary receives Medi-Cal (California’s Medicaid Program), and not Supplemental Security Income (SSI), CPT, as Trustee, can pay for a certain portion or percentage of the beneficiary’s request to purchase food, shelter,…
Read MoreBenefits from parents work history for those born with a disability prior to age 22
Can you imagine a circumstance where your child born with a disability could get Medicare and additional income for life? Did you know that an individual born with a disability…
Read MoreCAN I USE MY SPECIAL NEEDS TRUST TO MAKE GIFTS TO FAMILY, FRIENDS, DONATIONS, FUNDRAISERS, OR CHARITIES?
Holidays are around the corner, and other significant life events such as family celebrations, or graduations are times to celebrate. During such occasions, beneficiaries may want to purchase or give…
Read MoreCan my Adult Disabled Child Get SSDI?
Yes, if either parent has worked sufficient work quarters and either parent is collecting Social Security Disability Insurance (SSDI) or Social Security Retirement. The now adult disabled child can collect…
Read MoreCAN MY FIRST PARTY SPECIAL NEEDS TRUST PAY FOR MY CAREGIVER/COMPANION TO TRAVEL WITH ME?
There are times where beneficiaries are unable to travel due to not having the appropriate assistance to deal with all the factors associated with attending special events or going on…
Read MoreCAN MY FIRST PARTY SPECIAL NEEDS TRUST PAY FOR MY CLOTHING?
The answer to this question depends on if a beneficiary is receiving Supplemental Security Income (SSI) or Medi-Cal (Medicaid program for California). If a beneficiary receives Supplemental Security Income (SSI)…
Read MoreCAN MY FIRST PARTY SPECIAL NEEDS TRUST PAY FOR MY PETS AND THEIR CARE?
A common question by beneficiaries is related to their pets. “Can my Special Needs Trust pay for a pet or provide care for my pet? The answer to this question…
Read MoreCAN THE SOCIAL SECURITY ADMINISTRATION CHECK MY CHECKING AND/OR SAVINGS ACCOUNT?
According to the Social Security Administration’s (SSA) POMS: SI 01140.200, Access to Financial Institutions (AFI) is in motion in all fifty (50) states). What does this mean? The Social Security Administration (SSA) is…
Read MoreCITIZENSHIP AND SUPPLEMENTAL SECURITY INCOME BENEFITS
The Social Security Administration (SSA) has specific requirements for individuals who would like to receive Supplemental Security Income (SI) benefits. One of the criteria deals with the citizenship of an applicant. In order for individuals to…
Read MoreCOST-OF-LIVING ADJUSTMENTS (COLAS) AND SUPPLEMENTAL SECURITY INCOME
COLAs are referred to cost-of-living adjustments. Social Security’s benefit increases have been determined by the hike in cost of living which is measured by the Consumer Price Index. The increases are termed Cost-of-Living Adjustments.…
Read MoreCPT Institute: A Technology Forward Non-Profit Charitable Trustee
By: William Lindahl, Executive Director CPT Institute emerges as a technology forward non-profit/charity trustee, leveraging technology to streamline operations and spearhead innovation. Here’s an insight into their tech forward approach:…
Read MoreCPT is No Longer Charging Additional Annual Administration Fees for MSA’s
Great news, we no longer charge additional annual administration fees for MSA’s held in our Special Needs Trusts. www.cptinstitute.org MSA funds are a countable resource for Supplemental Security Income (SSI) purposes. We are…
Read MoreDOES THE APPLICANT NEED A SPECIAL NEEDS TRUST?
If a client is NOT totally and permanently disabledAll California residents who make less than 138% of the FPL (Federal Poverty Level) and are NOT totally and permanently disabled qualify for expanded MediCal.…
Read MoreENTITLEMENT PUBLIC BENEFITS
Entitlement Public Benefits vary from Needs-Based Public Benefits in that an individual’s resources and income are not considered for eligibility. These types of benefits are usually paid for with taxes…
Read MoreEvaluating the Rising Number of Pooled Trust Programs
By William Lindahl, MBA, CLPFExecutive Director at CPT Institute Individual and Pooled Special Needs Trusts (PSNTs) were codified 25 years ago with the Omnibus Budget Reconciliation Act (OBRA) in 1993.…
Read MoreEXCLUDED/EXEMPT RESOURCES
Excluded Resources are assets that are not included or counted when the Social Security Administration (SSA) determines a beneficiary’s eligibility for Supplemental Security Income (SSI). Keep in mind, a beneficiary’s individual assets cannot exceed…
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