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

Welcome

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

Solutions

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).

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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.

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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.

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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).

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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.

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Resources

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Testimonials

“My name is Christina, I would like to recognize and acknowledge, my CPT representative Harrieth. She has done everything in a timely fashion, and has went above and beyond her CPT duties has my rep. She has not only been a pleasure to talk to, but answered all my many questions. I can't thank her enough for all of her help and pleasurable conversations. I would definitely recommend her for all CPT needs.”

Christina | Trust Beneficiary with CPT Institute

“I am so glad I found you guys. I like knowing my benefits are protected even after having these funds awarded to me. I didn't know it was possible and I was scared of losing my Medicaid. I am so happy to hear that I am finally approved for section 8 and that my trust can help me buy furniture for my new place. Thank you, again Harrieth”

David | Trust Beneficiary with CPT Institute

“I was having difficulties ordering Ryland something in time for the holidays due to not hearing back from CPT for weeks and not being able to reach anyone. She went above and beyond to try to find a solution for Ryland. Her communication was great and she followed through with every call she promised. She even went as far as asking for my input on what things CPT could possibly change to make things easier for us. I appreciate her taking the time to try to fix the problem completely so it doesn’t happen often.”

Sasha | Trust Beneficiary Advocate with CPT Institute

“Harrieth my trust representative asked me to email a review regarding a recent check issue that needed addressing following my last trust request. I am very satisfied with the quick response from Harrieth and the efficient and effective way the issue was handled and then resolved. Harrieth and I had two separate phone meetings during which she was very professional, friendly and helpful. It’s nice to know that if another issue happens in the future it will be handled in the same prompt efficient manner. I thank Harrieth for all of her helpful assistance she’s provided regarding administration of my CPT trust requests.”

Lynda | Trust Beneficiary with CPT Institute

“I wanted to say a thank you to Harrieth for always helping me every step of the way in our process you were our Angel.”

Salma | Trust Beneficiary Advocate with CPT Institute

Frequently Asked Questions

Pricing

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.

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Funding

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

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Client FAQ

More FAQ's available here.

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Submit a Question or a Case