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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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…
Read MoreFLORIDA’S HOME AND COMMUNITY CARE FOR DISABLED ADULTS
Florida’s Home and Community Care for Disabled Adults William Lindahl, MBA, CLPF & Sara Toor, M.A The program that supports case management and in-home services through community based services is…
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 MoreHAVE YOU RECEIVED A NOTICE REGARDING YOUR BENEFITS?
The Social Security Administration (SSA) sends notices and letters to recipients who are on Supplemental Security Income (SSI) or who have applied to receive Supplemental Security Income (SSI) benefits. The notices and letters are extremely important to…
Read MoreHAVING A HOME AND RECEIVING MEDI-CAL
Medi-Cal (California’s Medicaid Program) is a means-tested program or also known as needs-based. Meaning, that there are certain income, asset/resource requirements to qualify to be eligible for Medi-Cal. For Medi-Cal eligibility…
Read MoreHearing Help from CPT Institute
How can CPT(Community and Professional Training)Institute help at your hearings as a nationwide non-profit trustee and 501(c)(3) charity? Whether you are setting up a Special Needs Trust (SNT), Pooled Special…
Read MoreHOLDING ON TO UNCASHED CHECKS
Holding on to Uncashed Checks William Lindahl, MBA, CLPF & Sara Toor, M.A Individuals generally think that if that they receive a check in their name and do not cash…
Read MoreHOW CAN MY SPECIAL NEEDS TRUST BE USED WITHOUT INTERFERING WITH MY SSI?
If a beneficiary receives Supplemental Security Income (SSI), the Trustee, like CPT, is not permitted to give individuals cash reimbursements for the purchases he/she makes for himself/herself even if he/she…
Read MoreHOW DO I KNOW WHICH GOVERNMENT/PUBLIC BENEFITS I RECEIVE?
When establishing a Special Needs Trust, it is vital to know what government/public benefits an individual is receiving. It is extremely important for the trustee to know what benefits a beneficiary is receiving…
Read MoreHOW DOES THE SOCIAL SECURITY ADMINISTRATION DEFINE DISABILITY?
How Does the Social Security Administration Define Disability? William Lindahl, MBA, CLPF & Sara Toor, M.A For AdultsFor an individual to meet the Social Security Administration’s (SSA) definition of disability,…
Read MoreIMPORTANCE OF CHECK DISBURSEMENT REQUEST FORMS
“Why do I have to fill out a check disbursement request form, if I can just submit my receipts/invoices into you? Isn’t that enough?” We run into this scenario quite…
Read MoreIMPORTANCE OF SUBMITTING RECEIPTS/INVOICES TO TRUSTEE FOR REIMBURSEMENT OF PAYMENT
Keeping an accurate record of which items, goods, or services were paid on behalf of a beneficiary is one of many responsibilities a trustee has when administering a Special Needs…
Read MoreIN-HOME SUPPORTIVE SERVICES (IHSS) PROGRAM
What is IHSS?In Home Supportive Services, or also known as IHSSS, is a program that is a statewide program in California that is overseen by each county under the direction…
Read MoreIN-KIND SUPPORT AND MAINTENANCE: WHAT IS IT?
In-Kind Support and Maintenance is also referred to as ISM. The Social Security Administration (SSA) defines in-kind support and maintenance as “food or shelter that someone else provides for you (trust beneficiary).” The…
Read MoreKEY TERMS TO KNOW WHEN QUALIFYING AND ESTABLISHING A POOLED SPECIAL NEEDS TRUST
When qualifying and establishing an appropriate Special Needs Trust there are certain words or verbiage that may seem a bit confusing or unclear. To lessen the confusion and increase a…
Read MoreMEDICAID IN ARIZONA AND LONG TERM CARE
BackgroundArizona Health Care Cost Containment System or also known as AHCCCS, pronounced as “access,” is the name of Arizona’s Medicaid program. The state of Arizona, is a “1634” state which…
Read MoreMedicare Refresher
As a refresher, traditional Medicare comes in four parts. Part A for hospital benefits (free). Part B pays for your doctors; the monthly premium costs $164, subtracted from their SSDI,…
Read MoreMEDICARE SAVINGS PROGRAMS
What are They?Medicare Savings Programs, also known as “MSP” Programs are specific programs that assist in paying premiums, deductibles, coinsurances, copayments, and prescription drug coverage costs. These programs may also…
Read MoreMEDICARE VS. MEDI-CAL: WHAT’S THE DIFFERENCE?
Medicare is an insurance program. Medical bills are paid from trust funds which those covered have paid into. It serves people over 65 primarily, whatever their income; and serves younger disabled…
Read MoreMY CHILD RECEIVES SSI AND IS ABOUT TO TURN 18 YEARS OLD. WHAT DO I NEED TO KNOW?
If you have a child who receives Supplemental Security Income (SSI) and is about to turn eighteen (18) years old, it is very important to be aware of what actions…
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