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Norfolk Community Trust
The Norfolk Community Trust (NCT) was established in 1992 as an instrument for family members to financially provide for their loved ones with an intellectual disability or mental health disorder after the family member could no longer assist.

Description of Services

The Norfolk Community Trust partners with the Norfolk CSB to create a way for individuals to provide supplemental financial support for loved ones diagnosed with an intellectual disability and/or mental health disorder without negatively affecting the individuals’ governmental benefits.

The Trust allows a settlor (the person providing the funds) to provide money or other assets for the use and benefit of a person (the beneficiary, who is a NCSB client), not under the control of the beneficiary, but administered by Trustees. Most Trusts are funded at the death of the settlor by proceeds from the settlor’s life insurance and/or estate.

The Trust is limited in function to provide supplemental benefits to beneficiaries above those provided under federal and state Medicaid programs. Thus, the Trustees have the authority and discretion to provide for the needs of the beneficiary over and above basic maintenance, support, educational, medical, dental, and other services and resources paid for by any local, state, or federal government or agency.

The individual Trust document also provides for a residual beneficiary, who would receive the balance of the Trust following the death of the beneficiary.

The Trust, which can be funded for as little as ten dollars ($10), is individual-specific and all monies are solely used for the beneficiary named in the Trust document.

Services Provided

Family members have the opportunity to pool their resources with others for the benefit of a loved one with an intellectual disability and/or mental health disorder.

  • The Norfolk Community Trust is operated with no administrative costs to settlors (just the $10 needed to establish the Trust account).
  • The Trust works with NCSB through a NCSB staff liaison.
  • Monies deposited in the Norfolk Community Trust do not count as a resource to beneficiaries and therefore protect their governmental benefits from being reduced or discontinued.

Contact Us

* (757) 823-1692 *