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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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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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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 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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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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Hearing 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…

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Medicare 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,…

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Social Security Administration’s View on Automobiles/Vehicles

There are some items the Social Security Administration (SSA) considers exempt resources/assets. You are probably wondering, “What does that mean.” Such items are not counted against the $2,000 asset limit…

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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…

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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…

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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…

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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)…

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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…

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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…

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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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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…

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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…

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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),…

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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…

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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…

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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…

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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…

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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…

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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…

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WHAT ARE CPT INSTITUTE’S RESPONSIBILITIES AS TRUSTEE?

What are CPT Institute’s Responsibilities as Trustee? By Cameron Lindahl M.S. and Sara Toor M.A Before addressing this topic, it is important to note that books have been dedicated to…

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What Are Household Goods and Personal Effects and Why Do They Matter?

When the Social Security Administration (SSA) is deciding whether you qualify for Supplemental Security Income (SSI), they look to see if you have too much income or own too much…

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WHAT CAN YOU PAY FOR WITH MY SPECIAL NEEDS TRUST?

Now that I know I need a Special Needs Trusts, the question is: What can I pay for with my trust? How and what you can purchase from your Special Needs…

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What Happens To My SSI and Medicaid Benefits If I Travel

If you travel outside the United States without taking proper precautions, you could lose your eligibility for Supplemental Security Income (SSI) and Medicaid POMS: SI 02301.225 you are ineligible if…

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WHAT HAPPENS TO MY SSI BENEFITS IF I HAVE TO GO TO JAIL OR PRISON?

There are certain criteria that may jeopardize an individual’s Supplemental Security Income (SSI) benefits or make him/her ineligible for benefits. Some specific situations that would cause an individual to become ineligible include, but…

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WHAT HAPPENS TO MY SUPPLEMENTAL SECURITY INCOME (SSI) AND MEDICAID BENEFITS IF I TRAVEL?

What Happens to my Supplemental Security Income (SSI) and Medicaid Benefits if I Travel? By Cameron Lindahl M.S. and Sara Toor M.A. Without providing proper notice, recipients of SSI may…

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WHAT IF A BENEFICIARY RECEIVES A FEDERAL TAX REFUND?

What if a Beneficiary Receives a Federal Tax Refund? Sara Toor, M.A. & Cameron Lindahl, M.S.  ​When beneficiaries file taxes they may receive a federal tax refund and even a…

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WHAT IS EARNED INCOME?

Individuals who receive Supplemental Security Income (SSI) benefits will lose eligibility for Supplemental Security Income (SSI) payments if he/she receives earned income. Earned income may be cash or in kind. The Social Security…

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WHAT IS MAGI?

MAGI is known as modified adjusted gross income. With the Affordable Care Act (ACA)it provides an easier way to calculate income eligibility for Medicaid through the insurance marketplace. The Affordable Care Act (ACA) has actually…

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WHAT IS THE BENEFIT ASSIST APP/TOOL?

What is the Benefit Assist App/Tool? William Lindahl, MBA, CLPF & Sara Toor, M.A ​Benefit Assist is an open source program software that was created by Intuit in 2015 originally…

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WHAT IS THE HARTMAN FORMULA?

What is the Hartman Formula? By Sara Toor M.A. & Cameron Lindahl M.S.  ​If you are an Applicant Attorney or an individual that works extensively with individuals who will be…

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