Commonwealth Community Trust

Our Mission

The mission of Commonwealth Community Trust (CCT), a national nonprofit organization, is to administer Pooled Special Needs Trusts so that people with special needs 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 government benefits. CCT administers the following types of pooled special needs trusts: 

  • Third-Party Pooled Special Needs Trust – funded by a family member or friend, and can be coordinated with an estate plan or life insurance policy.  
  • First-Party Pooled Special Needs Trust – funded by the person with a disability, usually as a result of a personal injury award settlement, inheritance, or Social Security back payment.  
  • Military Survivor Benefit Plan – Special Needs Trust – funded directly by annuity payments from a military or military retiree’s dependent child’s Survivor Benefit Plan.  


  • Disabilities - Physical / Intellectual
  • Financial Management


CCT serves clients of any age who meet the Social Security Administration’s definition of disability. For a beneficiary who is age 65 or older and needs to establish a First-Party Pooled Special Needs Trust, restrictions may apply so contact CCT for more information.


Client Testimonial

"We are not only supporters of CCT, but our son, and therefore our family, is a client as well. While all parents want their children’s futures to be as bright as possible, it is even more worrisome and important when the child has a disability. By creating a Pooled Special Needs Trust for our son with Down syndrome, not only have we helped to ensure more opportunities for him after we are gone, but we also have not made him a significant financial burden for his siblings and relatives. CCT has made the future brighter for everyone in our family.” ~ Harry Gewanter, M.D.

Other Details

  • Accepts Volunteers: No
  • Ages: All
  • Fees: Yes. Enrollment Documents and Fee Schedules are available on the CCT website. $5,000 minimum required to fund a trust. Funds are pooled to keep administration and investment fees low and to increase investment opportunities.

More Information

For more information please contact:
commonwealth Community Trust
P. O. Box 29408
Richmond, VA  23242-0408

Primary Contact: Joanne Marcus, MSW, Executive Director
Email Joanne Marcus
Secondary Contact: Cheryl Carlyon, Marketing / Outreach Manager

Phone: 804-740-6930
Toll Free Phone: 888-241-6039

Monday - Friday
9 a.m. - 5 p.m.

Service Definitions

View a complete list of service definitions.