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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%…
Why 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,…
Why 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…
Why 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…
Game-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…
Structured 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…
Transparent 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…
CPT 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…
Medicaid’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…
HOW 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)…
DEEMING: 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…
WHAT 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…
PAYING 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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STATE SUPPLEMENT FOR SUPPLEMENTAL SECURITY INCOME RECIPIENTS
The maximum Federal benefit for Supplemental Security Income (SSI) is currently $783 for individuals and for couples it is $1,175. The maximum benefit varies annually depending on the Consumer Price Index. If there is an increase in Consumer Price…
Structured 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…
STUDENT FINANCIAL AID AND ITS IMPACT ON SUPPLEMENTAL SECURITY INCOME (SSI)
Student Financial Aid and its Impact on Supplemental Security Income (SSI) By Sara Toor M.A. and Cameron Lindahl M.S. Did you know that an individual who is at least 18…
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…
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…
Supplemental Security Income (SSI) Basics
What is Supplemental Security Income Supplemental Security Income (SSI) provides monthly payments to people with disabilities and older adults with little or no income or resources. Eligibility To be eligible…
SUPPLEMENTAL SECURITY INCOME & REDETERMINATIONS
Supplemental Security Income &Redeterminations Cameron Lindahl, M.S. & Sara Toor, M.A. What is a Redetermination? A redetermination is when the Social Security Administration (SSA) reviews an individual’s income, resources, living…
SUPPLEMENTAL SECURITY INCOME FOR CHILDREN
Not only can adults be eligible to receive Supplemental Security Income (SSI), but children are eligible as well. The Social Security Administration (SSA) defines a child as an individual who is neither married and…
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…
Transparent 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…
TRAVELING AND RECEIVING SUPPLEMENTAL SECURITY INCOME
It is important for beneficiaries who receive Supplemental Security Income (SSI) to know that there are some rules that they should be aware of in regards to traveling. Per the Social Security Administration (SSA),…
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…
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,…
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%…
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…
UNEARNED INCOME
What is unearned income? Per the Social Security Administration (SSA) and the rules pertaining to Supplemental Security Income (SSI), any amount of money received (not earned) by a beneficiary who receives SSI benefits is referred to…
WELCOME TO CPT’S BLOG!
HELLO!Welcome to CPT’s blog post section. Here you will find the latest and most up to date information regarding special needs trusts, government benefits, and answers to popular questions regarding…
WHAT ARE “209(B)” STATES?
States that are known as “209(b)” states require individuals to apply for Medicaid through his/her state Medicaid program. These states are more restrictive than the SSI program. States that are…
WHAT ARE “SSI CRITERIA” STATES?
States that are known as “SSI Criteria” states are certain states that use Supplemental Security Income (SSI) eligibility criteria (for aged, blind, disabled) for Medicaid. Per the Social Security Administration (SSA), these states could make…
WHAT ARE “1634” STATES?
States known as “1634” states are states that have completed a “1634 agreement” with the Social Security Administration. This agreement determines eligibility for a specific state’s Medicaid program for Supplemental…