Community Trust (CCT) is a 501(C) 3 nonprofit
organization that was founded in 1990 by family
members who have a loved one with a disability and by
Administers two types of trusts:
• The third party Special Needs Trust is established
by a family member or friend.
• The self-funded Pooled Disability Trust is
established with the Beneficiary’s own funds.
The mission of CCT is to administer Special Needs
Trusts so that people with disabilities and their
loved ones can plan for their financial future. For
clients who receive Supplemental Security Income
(SSI) and/or Medicaid, the trust will not jeopardize
CCT is governed by a volunteer Board of Directors
comprised of at least two members who are related to
an individual with a disability, legal and financial
professionals and experts who work in the
The Trust Company of Virginia, a licensed and bonded
investment corporation, was selected by the CCT Board
of Directors to manage and invest the funds.
Commonwealth Community Master Trust Agreements allow
the Trustee to administer the trusts under the
umbrella of the "master." Both the self-funded Pooled
Disability Trust and the third party Special Needs
Master Trust Agreements were written by an Estate
Planning Attorney with expertise in this area of the
law and signed by the Board of Directors and the
Trust Company of Virginia.
CCT serves clients who have a disability based on the
Social Security Administration’s definition of
disabled. A third party Special Needs Trust can be
established for Beneficiaries of any age. The
self-funded Pooled Disability Trust can be
established for anyone under age 65. Requirements
differ for clients 65 and older who receive Medicaid
long term care, and the rules may be different for
Financial statements are mailed quarterly or can be
accessed through the internet.