Protect SSI & Medicaid Benefits With a Colorado Pooled Special Needs Trust

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How it Works

  1. Request a consultation
    Tell us about your situation
  2. We guide you
    Choose first-party or third-party trust
  3. Open your account
    Quick setup within the pooled trust
  4. Ongoing support
    We manage funds and help with distributions

What is a Pooled Special Needs Trust?

Also called a Supplemental Needs Trust, or SNT, a Pooled Special Needs trust lets a person with a disability set aside money without losing critical benefits like SSI or Medicaid. 

  • Funds are managed by a nonprofit trustee (CFPD) 
  • Each person has their own individual account 
  • Money is used only for the beneficiary’s needs

When Do You Need One?

A Pooled Trust may help if you or a loved one has received:

  • An inheritance
  • A personal injury settlement
  • A Social Security back payment
  • Ongoing income that exceeds limits

Without a trust, these funds can disqualify you from benefits.

A pooled trust helps you keep both:

  • Your benefits
  • Your money working for you

Who Can Open a Trust?

  • Individuals with a qualifying disability
  • Parents, grandparents, or legal guardians
  • Courts (in some cases)
  • Family members planning ahead for a loved one

First Party vs. Third Party Trusts

The right type depends on whose money is being used:

First-Party Pooled Trust

  • Funded with the beneficiary’s own money
  • Common sources:
    • Settlements
    • Back payments
    • Direct inheritances
  • Helps maintain SSI/Medicaid eligibility

Third-Party Pooled Trust

  • Funded by family members or others
  • Used for future planning
  • Remaining funds go to family or chosen beneficiaries

Received an inheritance, settlement, back payment, or other unexpected funds?

You may be at risk of losing SSI or Medicaid. 

A Pooled Special Needs Trust from CFPD allows you to keep your benefits while using funds to improve your quality of life—managed by a trusted Colorado nonprofit. 

Simple, affordable, and designed for Colorado families.

Ready to Protect Your Benefits? Contact us now.

Every situation is unique. We’ll help you understand your options and next steps.

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Why Families Across Colorado Choose CFPD

30+ years of experience
Founded in 1994, CFPD serves 1,300+ Coloradans

A nonprofit you can trust
Focused on helping people—not maximizing profit

Lower cost than private trusts
Accessible with lower funding minimums

Faster setup
No long approval process like individual trusts

Dedicated case managers
Support for distributions and ongoing needs

Colorado-based expertise
We understand local Medicaid and SSI rules