CCT - Serving the Community Since 1990
Our mission is to enrich the lives of individuals who are vulnerable,
injured, or have special needs throughout the United States.
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.
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.
Established with annuity payments from the Survivor Benefit Plan for the benefit of a dependent child who has special needs.
“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)
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.
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 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.
"CCT has been a blessing to our family. CCT has provided a sense of order, organization, trust, and leadership in helping to provide and protect the well-being of my younger sister. I would recommend CCT to anyone, and I already have." — Dan, Brother and Advocate of a CCT Beneficiary
"I have had nothing but exceptional service from this company, they take their time to help with my needs and make sure I have what I need." — Dustin, Beneficiary of CCT
"With the help of CCT I was able to purchase my Dream vehicle. Emily at CCT was/is a HUGE help! It was a very smooth transaction." — Cathy, Beneficiary of CCT
"CCT made getting the wheelchair equip van we so much needed for our grandson the easiest purchase ever. Thank you CCT!!!" — Grandmother of Beneficiary Kobe
"CCT has been amazing. Very helpful with guiding us through this process." — Rhonda, Mother and Advocate of a CCT Beneficiary
"CCT has been wonderful in serving the financial needs of my grandson. They are always prompt in answering questions and suggesting how we can make something happen for him. He just turned 18 this year and we still plan on using this service." — Nancy, Grandmother and Advocate of a CCT Beneficiary
"CCT has been a blessing to our family. CCT has provided a sense of order, organization, trust, and leadership in helping to provide and protect the well-being of my younger sister. I would recommend CCT to anyone, and I already have." — Dan, Brother and Advocate of a CCT Beneficiary
"I have had nothing but exceptional service from this company, they take their time to help with my needs and make sure I have what I need." — Dustin, Beneficiary of CCT
*Disclaimer Statement: CCT is not a chartered bank or trust company, or depository institution. It is not authorized to accept deposits or trust accounts and is not licensed or regulated by any state or federal banking authority.
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