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OBRA Pooled Trust Offered Exclusively by CPT Institute: A New Chapter in California Special Needs Planning

By: William Lindahl, Executive Director Special needs planning is a critical endeavor for individuals with disabilities, designed to ensure their financial security and access to essential care. With the upcoming…

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Pooled Income Trusts: A New Path for CPT Institute

By: William Lindahl, Executive Director A Pooled Income Trust is a strategic financial tool that enables individuals to have their funds managed by a charitable organization, which helps them maintain…

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Understanding the Value of a Pooled Special Needs Trust with CPT Institute for Elderlaw Attorneys

As an Elderlaw attorney, you are well aware that protecting the financial future of clients with special needs is a complex but critical task. One of the most effective tools…

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Understanding the Impact of OBRA 93 Trusts on Special Needs Planning in California

Special needs planning is an essential process for individuals with disabilities, aiming to secure their financial future and access to necessary care. With the recent changes in California’s Medi-Cal program,…

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Supplemental Security Income (S.S.I.)

S.S.I. Law, Regulations, and S.S.A.’s Policy Manual By: Executive Director, Will Lindahl The legal framework for Supplemental Security Income (S.S.I.) was established under 42 U.S.C. §§1381–1383f, and the regulations are…

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Supplemental Security Income (S.S.I.)

S.S.I. Law, Regulations, and S.S.A.’s Policy Manual By: Executive Director, Will Lindahl The legal framework for Supplemental Security Income (S.S.I.) was established under 42 U.S.C. §§1381–1383f, and the regulations are…

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Understanding the Childhood Disability Benefit (CDB): A Guide for Families

Navigating the world of social security benefits can be complex, especially when it comes to understanding entitlements for children with disabilities. The Childhood Disability Benefit (CDB) is a crucial program…

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The Impact of HOTMA on Housing and Trust Administration 2024

The landscape of housing assistance has undergone a significant transformation with the introduction of the Housing Opportunities Through Modernization Act (HOTMA). This comprehensive guide aims to provide insights into the…

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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…

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A 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…

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ADDRESSING 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…

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Asset 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…

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BENEFICIARIES 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,…

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Benefits 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…

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CAN 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…

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Can 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…

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CAN 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…

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CAN 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)…

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CAN 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…

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CAN 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…

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CITIZENSHIP 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…

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COST-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.…

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CPT 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…

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DOES 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.…

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ENTITLEMENT 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…

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Evaluating 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.…

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EXCLUDED/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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FLORIDA MEDICAID

Background:Florida Medicaid services are administered by the Agency for Health Care Administration. The Department of Children and Families or the Social Security Administration (for individuals who receive Supplemental Security Income…

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