A Spend Down: When a Special Needs Trust Isn’t the Best Option Cameron Lindahl, M.S. & Sara Toor, M.A. What is a Spend Down?​For an individual receiving Supplemental Security Income (SSI) and/or Medicaid, a “Spend Down” literally refers to spending excess money that he/she receives within a calendar month to maintain eligibility for public benefits. …

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SPECIAL NEEDS TRUSTS: PROTECTION FOR YOU AND YOUR FAMILY, FUNDING FOR YOUR FUTURE By: Ken Paradis, CEO (Chronovo) and Cameron Lindahl, Trust Officer (CPT Institute) The following article addresses the advantages of utilizing a Special Needs Trust and a structured settlement annuity.  This article also addresses the advantages of utilizing these services with CPT Institute and…

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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) this year and changed many of the ways recipients of Supplemental Security Income (SSI), and in some cases Medicaid, can utilize their Special Needs Trusts…

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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 years old and receives Supplemental Security Income (SSI) due to a disability can attend school and continue to receive SSI benefits as a student? This…

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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 this sole topic, and those publications are still not entirely comprehensive.  The purpose of this blog is to simply provide a general overview of what…

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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 Does it Exist?The most common form of deeming is referred to as Parental deeming.  This is when a parent’s income and/or assets are counted towards the…

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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 states the ability to modify their Medicaid programs. This allows individual states to reform their Medicaid programs to fit with the present health care environment…

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