CCT - Serving the Community Since 1990
Nationwide Nonprofit
Our mission is to enrich the lives of individuals throughout the United States
who are vulnerable or have a disability.

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.
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.
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.
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.

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
“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)