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CCT - Serving the Community Since 1990

Pooled Trust Administration

Pooled Trust Administration

Nonprofit Organization Operating Nationwide

Our mission is to enrich the lives of individuals who are vulnerable, injured, or have special needs throughout the United States.

Welcome

Thank you for visiting our website to learn more about Commonwealth Community Trust (CCT). It has been my honor to lead this organization since 2000. 


CCT is client-centered. Our professional and knowledgeable staff are focused on clients’ needs and serve with empathy and integrity. We take great pride in knowing that our services help our clients and provide their loved ones with peace of mind – this is what motivates my staff and me every day. 


Please take a moment to learn more about CCT services. 

– Joanne Marcus, MSW, President & CEO of CCT

First-Party Pooled

Special Needs Trust


Established with the beneficiary’s own funds, usually as a result of a personal injury or workers’ compensation claim or Social Security back payment.

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Third-Party Pooled Special Needs Trust


Established by a parent, relative, or friend, and can be coordinated with an estate plan, insurance policy, or gift.

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Settlement Preservation Pooled Trust


Established with the beneficiary’s own funds as a result of a personal injury award for the benefit of a vulnerable individual or minor.

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Military Survivor Benefit Plan First-Party Pooled Special Needs Trust

Established with annuity payments from the Survivor Benefit Plan for the benefit of a dependent child who has special needs.

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How can a Pooled Trust help you?

CCT is committed to providing:

  • A cost-effective, efficient, and convenient way to set aside funds 
  • Opportunity for beneficiaries to have an improved quality of life 
  • Expert knowledge of the ever-changing rules governing Medicaid and Supplemental Security Income (SSI) to protect benefit eligibility 
  • Potential for growth over time as the funds are “pooled” for investment purposes 
  • Low funding requirement and administrative fees 
  • Trustworthy and experienced staff who are sensitive to the needs of our beneficiaries 
  • An opportunity for Grantors to provide their vision for the trust 
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“Starting a CCT Special Needs Trust for my daughter was very easy and straight forward. Every person I have spoken to over the past several years has been courteous, knowledgeable and answers all of my questions (I always have a lot of questions) lol. Having this trust has allowed my daughter to keep her disability payments in place as well as the programs she needs to help her navigate life and be able to enjoy fun things like a Disney Cruise!” – Sherry, Mother and Advocate of a CCT Beneficiary (pictured)

The Basics

  • What is a Pooled Trust?

    A Pooled Trust is a trust administered by a non-profit organization. Each sub-account is maintained separately while assets are “pooled” together to provide lower administrative fees and an opportunity for higher returns on investments. Access to confidential sub-account information is available on our website for authorized representatives.

  • Who is an Advocate?

    The Advocate(s) is an important part of the Beneficiary’s team and works closely with CCT staff. The Advocate(s) is authorized to make disbursement requests by signing and submitting the Payment Request Form to CCT and may receive confidential financial information about the Beneficiary’s sub-Account.


    The Advocate(s) is usually named by the Grantor(s) on the CCT Joinder Agreement (the legal document to join the trust), and may be the Beneficiary, a Guardian, Conservator, Power of Attorney, family member, case worker, friend, and/or someone who is trusted and familiar with the needs of the Beneficiary.


    However, CCT has sole discretion to decide what distributions are in the Beneficiary’s best interest and permitted under the terms of the trust, as well as when to share information.

  • What is the Remainder Policy?

    What happens to the sub-account upon the death of the beneficiary?


    After the customary CCT administrative fees, Capital First Trustee fees and True Link Financial Advisors, LLC, investment management fees are disbursed the remaining funds are distributed as designated in the Joinder Agreement, the legal document to join. The links above will explain the remainder policy for each type of trust.

Additional Definitions
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