Competency

The CPT Special Needs Trust program has over a decade of experience as one of the safest pooled trust programs available.  Self funded and court ordered trust accounts are held with a nationally recognized brokerage firm to minimize costs and maximize returns. Court supervised cases are held by a state chartered banks.

Funds are not placed with small private investment firms or independent registered investment agents to minimize mismanagement.  Protecting your benefits is our priority.

Our program accepts:

• Structured settlements
• Medicare Set-asides
• Court supervised cases

Remainder Interest in Trust

CPT is a  501(c)(3) non-profit  that has a negotiable remainder interest policy.  Individuals who have more money remaining in there trust account after they have paid their Medicaid lien, have the ability to have remaining assets paid to  heirs subject to state law.

Investments

We work with national brokerage firms and state chartered banks to manage investments.  Assets for each disabled individual are held in individual brokerage accounts.  The accounts’ asset totals are pooled for investment purposes but funds are invested independently and individual statements are provided.  The banks and investment firms are required to provide investment platform models for different investment objectives.

It is our goal that your funds are as safe as possible;

• We utilize a group ( 4 to 8 ) asset allocation models that range in risk tolerance from conservative to moderate.
• We do not use front load funds or proprietary products.
• Asset allocation models can be treated collectively as one large account so that price breaks in investment costs can be maximized to all beneficiaries.
• All accounts in these models are sub-accounts with their own statement that are mailed directly to the beneficiary or their designated representative.
• We do not have a funding minimum for each trust sub-account.
• Quarterly reviews and quarterly reporting are provided to our board.
• All checks for payouts from trust sub-accounts are to be paid directly by investment agent or bank.

Counsel

In each state we provide a Pooled Special Needs Trust program we work with qualified Elder Law or Estate Planning attorneys to provide support to limit the potential loss of benefits for all enrolled beneficiaries.  In addition, all master documents are reviewed annually to be sure the trust and all support materials are compliant with state law.

Advocates

Every disabled individual participating in the CPT, Pooled Special Needs Trust program must designate a Beneficiary Advocate to represent his interests.  The advocate is the only party allowed to request funds from an individual trust account.  The beneficiary can be their own advocate, if competent, but a successor must be designated.

Fiscal Stability

One of the most difficult challenges faced by all Pooled Trust programs are the fees.  How much do you charge to sustain fiscal stability while maintaining a cost efficient program.  These trusts are irrevocable and the individuals who have become disabled are dependent upon the programs’ stability.