Those living with disabilities who are no longer able to earn a living. We are here for you.


We’re excited to work with you while we protect your government benefit eligibility. Having helped clients across the nation build and safeguard government benefit, we are ready to walk you through this process confidently. You will learn how to maximize your funds with the CPT Insitute team, how you use your trust, and stay updated.

Why Choose CPT?

Why Choose CPT?

  • A 501( C)(3) Charity & Non-Profit Trustee since 1994
  • Non-profit Trustee for your Individual Special Needs Trusts or;
  • Use our Pooled Special Needs Trust in 48/50 States
  • No-Cost One-on-One Training – Please book here
  • No-Cost Consultation – Please book here
  • No-Minimum Funding

How Can We Work Together

Our consultations are always unbiased and no cost as a part of our tax-exemption as a 501(c)(3) charity. Learn how to plan for the future and/or maintain eligibility for important government benefits. At this time, your designated CPT Representative who will be assisting you along your journey with CPT Institute will introduce themselves. After booking you will receive emails and notification on how to confirm your consultation.


Confirmation Video Consultation Video


A brief comparison of all the programs offered by CPT

First-Party Special Needs Trust (SNT)

Used to preserve eligibility for means-tested benefits such as Medicaid and/or Supplemental Security Income.

Preserves eligibility for individuals utilizing a Medicare Set-Aside (a countable asset for means-tested benefits).

Third-Party Special Needs Trust

Funds given to the recipient of means-tested benefits (such as Medicaid and/or Supplemental Security Income) from a third-party to preserve eligibility.

Typically an inheritance.

Medicaid does not have a right to recover on funds at time of trust termination.

Settlement Management Trust (SMT)

Used to protect from misappropriation and/or when the client will have an anticipated need for means-tested benefits in (such as Medicaid and Supplemental Security Income) in the future.

Has trigger powers to transfer into a Special Needs Trust to protect eligibility at any time.

Minors Settlement Trust (CA only)

Used when a minor needs access to settlement funds prior to age of majority and does not need to preserve eligibility for means-tested benefits (such as Medicaid and/or Supplemental Security Income).

Spend Down

Typically used for small settlements when the client needs to preserve eligibility for needs-based benefits.

Will provide a client with everything they need to know to complete this economic solution.



“My name is Ellen I have been with CPT, since 2012. And I can say it keeps getting better. I have a financial advisor named Harrieth, she is so helpful,. Any time I need anything doesn't matter what she is always ready to solve my problems. I can call her or email her and she answer me back right away. I like to give credit where it is due and this woman is the best. I really do like having someone I can depend on. Maybe it sounds to much only I don't want you to miss anything good about her. This is why I'm pointing it all out for you. Thank you.”


“I am so grateful for the patience of CPT they're kind they're helpful ..I don't know what I would of done without all the help I have received and understanding for them the team I'm forever grateful.”


“Dear Ms. Harrieth!!!!
I hope all is well. I know you mentioned last time that I can send my request elsewhere, BUT I wanted to do it one last time! Because after I submit this email, I am off to St. George University! I am OFFICIALLY off to medical school
Thank you for everything and for ROOTIN ME on during my application process! I genuinely APPRECIATE ALL of YOUR help!”


“Dear Mr. Lindahl,
I vote 10+. I can't tell you how grateful I am. I have already told family, friends, Jack's caregiver Michelle, and even my hair cutter yesterday how marvelous you and Rosa were. I expected you would be fair, knowledgeable, and helpful, but you exceeded my expectations on all counts. My haircutter and I had been sharing our discoveries of how corrupt so many organizations and individuals are, both of us describing our horror stories with nursing homes, fraud in our professions, even exploitive family members. But we each celebrated those rare people, often strangers, who went out of their way to help us when our families and other innocents were at risk. CPT and its clients are fortunate to have you representing them.”


“Initially when I signed on to CPT there were a lot of things that were rocky so I questioned whether or not it was the right fit for me. However, when Harrieth became my trust administrator that all changed. She is very knowledgeable, professional, and she gets back to you in a timely manner if she’s busy. I also saw a vast improvement in CPT’s entire organization these last few months. Everything from the app to the disbursement process has improved immensely so it’s become much easier to view and ask for funds. I’m not worried whether or not my bills will be paid on time like I was before. Thankful for all the changes and improvement. Kudos to Harrieth and CPT!”


“Hello CPT Institute,
Ever since CPT has taken over my mother's trust funds, I have not spent countless of phone calls disputing & asking your staff to send payments for my mother's rent & utilities. Prior to her being a part of your company, I had many complaints due to payments not being made in a timely manner & no communication/response via email or returned phone calls to me from your staff* towards my inquiries. Harrieth made the transition to my prior terrible experience to the opposite. I could sense her professionalism from our first phone conversation. She took initiative instantly & took control of my mother's requests w/o* any delay or problems. She is a truly wonderful asset to your company!”


“Thank you very much. CPT - especially HARRIETH was exceptional. She was always willing to answer any questions that I had or my client. Since this was my first time working with CPT, Harrieth was patient and understanding. I look forward to working with Harrieth and CPT in the future. ”


“I want to commend Harrieth on her excellent customer service skills, always pleasant personality and professionalism. She is so nice to work with as my representative. I also want to note my appreciation for the many positive changes that have been made at CPT TRUST since I started my son's trust with the organization. The TrueLink card, the paperwork process to make distributions and the staff have all made the process of managing a Trust so much easier - especially for me, as a mom, just a lay person - not an attorney who knows all this stuff backwards and forwards! I really appreciate the changes and it has made such a difference. So thank you - especially for hiring Harrieth - she's a great representative for your organization!”


“I am a client of CPT Trust for just over a year. I have spoken with many employees and have had some issues with lack of listening or actually looking at what receipts I had sent in when requested a replenishment. Since Harrieth my name for her is Sunshine. I call her that because, she is always on her game and makes things so much easier. Harrieth takes care of my request in a VERY TIMELY manner. She is always joyful to speak with and professional.
I happily suggest CPT Trust to handle your financial needs as they are knowledgeable on many issues and takes on issues head on and makes sure that the issues get resolved.”


“Hi Kate, my name is Ruth Cisco and I’ve been with CPT since 2019 and I’ve been so happy with everyone with answering all my questions and concerns. The staff are so kind and understanding especially when I get stressed about things I don’t understand, the ladies are patient and do everything to help. I’m so glad I have CPT in my corner to keep my funds safe and available to me.”


“Goodday.I would like to thank you and your staff for making my life quite a bit simpler. HARRIETH Handles my account and her personal touch has made using.the trust much easier. I must say I'm not easy to deal with due to my injuries and she has make this service very simple and easy to understand. Your entire staff should be thanked for their patience and understanding. Bless you.”


“There is no traffic jam on the extra mile and that’s what Harrieth has done for me. She went the extra mile and what she does. I wish they were more people like that in this world. Thank you so much for all that you do I really appreciate you Harrieth !!!Merry Christmas and Happy New Year.”


Frequently Asked Questions


Have you noticed that very few trustees and administrators publish their fees? It’s because they have hidden fees and information that will surprise you down the road. At CPT Institute, we stay transparent so you’re fully informed about our services and prices.


Instructions to fund your trust and Medicare set-aside account.

Client FAQ

More FAQ's available here.

Submit a Question or a Case