CJP Disabilities Trust
The CJP Disabilities Trust offers families a way to pay for expenses not covered by government benefits for their loved ones, without affecting government or other entitlements. This trust is specially designed for individuals with disabilities and meets needs that other trusts overlook, such as providing a lifetime of personal advocacy.

For all parents, a child's future can be a cause for worry and anxiety. But for parents of children with disabilities, concern about the future is even more complicated because in some cases, a person's disability affects his or her ability to be independent and financially secure as an adult. Questions such as "What happens after I'm gone?" take on new importance and a sense of immediacy. Therefore, planning for a child's future is not something that can be postponed. And today's fiscal climate of shrinking entitlements and an uncertain economy only adds to this sense of urgency.

By combining the financial expertise of Combined Jewish Philanthropies with the resources and experience of JF&CS Services for People with Disabilities, the CJP Disabilities Trust ensures that loved ones will have the supports they need throughout their lives.

The CJP Disabilities Trust is non-sectarian and serves all members of the community who have physical disabilities, developmental disabilities, mental illness, or significant learning disabilities.

CJP Disabilities Trust II

Jewish Family & Children’s Service and Combined Jewish Philanthropies (CJP) are pleased to announce a new special needs trust for people with disabilities.

The CJP Disabilities Trust II is a self settled pooled trust funded with the individual’s own money that provides a way for people with disabilities who receive government benefits to preserve their eligibility for those benefits while maintaining access to their additional funds.

Also known as a “self-settled trust,” a “Medicaid payback trust,” or “(d)(4)(C) trust,” this trust is administered by JF&CS and investment of the funds are overseen by CJP. The minimum investment required is $12,000 and there is no maximum. Everyone enrolled in the trust has their own account, but funds are pooled for investment purposes, which reduces the fees on the trust as compared with a non pooled trust.

Trust funds can be used to pay for a variety of items and a service plan is developed when the individual enrolls, which guides the spending from the trust. With the exception of food and shelter (this would jeopardize eligibility for certain benefits) trust funds can be used to pay for a wide range of items including:

• Clothing
• Transportation
• Medical related expenses not covered by insurance/Medicaid
• Vacations
• Service fees

Special Needs Guide to Planning for the Future
Developing a Life Care Plan for Family Members with Disabilities

In order to assist families in this process, a group of professionals in the field of special needs planning have come together to offer families a place to start. The Special Needs Planning Guide for Families provides families with an overview of the issues they need to consider, an outline of how to proceed, as well as a comprehensive resource list.

Planning Guides will be available for purchase or you can download a free copy.

For more information, call 781-647-JFCS (5327) or email your questions via our contact us page.