CFPD (Denver, CO)


  • Name:Ms. Christi Romero-Roseth
  • Title:Director of Community Relations

Organization Address

  • Organization Name:CFPD
  • Address:1355 S. Colorado Blvd.
    Ste. 120
    Denver, CO 80222
    United States

Organization Phone

  • Main phone:303-733-2867
  • Main fax:303-733-2862

Organization Web

User Email


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  • Mission:
  • The Colorado Fund for People with Disabilities (CFPD) mission is to enhance the independence and quality of life for people who are elderly or disabled and their families. CFPD actively evaluates, monitors, oversees, coordinates and implements services in partnership with its clients and their families to ensure and maintain their rights, integrity and dignity.

    Our services include: a Pooled Supplemental Needs Trust (SNT), Private Trust Group, Private Case Management, Conservatorships, Trust Advisory Services, Representative Payee and Medicare Set Asides.

    It's our job to surround our customers with appropriate information, expertise and partners to make keeping benefits and managing finances simple and straightforward.

  • Overview:
  • CFPD was established by an all-volunteer board to form a non-profit Pooled Trust for Coloradans affected by disability. The trust helps persons who may have funds above Social Security's (SS) $2,000 resource limit preserve some assets while maintaining their eligibility for health and income benefits.
    For example, an individual may have acquired his/her disability because of an accident. While a cash settlement for injury is ostensibly to pay for medical care and lost income, few awards are substantial enough to truly cover the cost of long-term care, which averages $70,000/year in CO.

    We have many clients whose SS benefits were approved retroactively, meaning they receive benefits in one lump sum. These SSA payments, often several thousand dollars, actually disqualify a person for those very benefits, unless clients spend all the money within a short period. Instead, we put those funds in an irrevocable trust used to provide services not already covered, from durable medical goods to clothing to therapies not supported by traditional plans.

    100% of our adult beneficiaries have a life-affecting disability including Physical Impairments, significant Developmental Delay (DD), Traumatic Brain Injury, Dementia, and major Mental Health Issues; many beneficiaries are affected by multiple disabilities. About 50% of the 884 beneficiaries we have served are 55 or more years old.

    For example, Tina, a pooled trust customer, was in a life-changing car accident and is now paralyzed from the waist down. During her months in rehab, her social worker helped her to apply for Medicaid and Social Security benefits. She began receiving services in her home twice a day to help her live independently. Her attorney recently settled her case for $66,000, then referred her to CFPD so she could continue receiving in-home services, helping Tina maintain her independence. The first expenditure from the trust was a much-needed accessible vehicle. Tina continues to live in the community, rather than an institutional setting, greatly improving quality of life for this young woman.

    Not only can learning about the pooled trust help preserve assets, for many families we serve it’s often the first good hard look at what the future might bring. In 2010, as many as 94% of Coloradans caring for an adult with a disability had made no lifetime care plan at all; families are focused on day-to-day survival. These are parents and adult children who quite literally feel they need to live forever to care for their loved one, and who feel financially and emotionally unable to look beyond their own ability to provide care.

    Customers who join CFPD are often with us for a lifetime: many join when parents fund a trust at their death, wanting to assure both the financial security of their adult child with disabilities and the social stability our case managers provide.

    With fewer resources and often diminished capacity, our clients rely on the person-to-person case management CFPD delivers to its trust customers. In fact, when every single one of our clients provided positive feedback in a 2012 external survey of CFPD, none of them even used the word money to describe how we help. Instead they used words like relief, stability, security, family, friend. We help clients set goals and manage toward them, in all areas of life.

  • History:
  • CFPD has been a 501(c)3 nonprofit since 1994. By managing fees from its nonprofit trust clients ($250 one-time set up fee, 2% of the fund balance in year one, then 1% of the balance annually), CFPD has provided services without any outside funding at all - no grants, no contracts no private donors. In fact, CFPD created a Charitable Fund to supplement its Rep Payee program and to support other Colorado nonprofits who serve people with disabilities.

    After almost 20 years of self-sufficiency as a nonprofit, we now find ourselves in need of some external support, having reached our limit to self-fund the critical RP program at its current level of need.

    Because the majority of our clients receive Social Security (SSA) benefits (Supplemental Security Income or SSI and/or Social Security Disability Insurance, SSDI), CFPD was in an unique position to learn that many Coloradans who qualify for benefits don't receive them because they lack the ability to manage funds within their best interest. SSA requires either an individual or an organization become Representative Payee (RP), someone to receive and disburse funds on behalf of the recipient.

    Some service organizations provide RP services to their clients (Community Centered Boards serving adults affected by DD, Mental Health providers and some Depts. of Human Svcs.). However, they do not serve individuals who are not active clients. Those without friends or family to serve are without recourse.

    Responding to this need, CFPD launched an RP program in late 2009, offering services to clients whether or not they join other CFPD programs, and charging only the SSA-approved fee of (now) $39 per month, a fee well below the program's cost.

    Since then, significant changes in funding have caused many agencies - like Adult Protection Units in our Human Services Departments around the state - to stop providing RP services, and we have seen our clients go from 29 in 2010 to 80 today, with additional people on a wait-list for services.

    Because the majority of our RP clients are not served by other agencies, their needs can be extreme: just under 10% of our caseload is homeless; clients with diagnosed MH disorders lack treatment; many experience dementia; and almost none have outside supports.

    In partnership with a variety of agencies whose customers need RP services, we're working to expand two critical areas within our RP program: first, we simply need extra help to manage the volume of customers. Second, we believe that this population is in dire need of case management assistance, help we're unable to provide in our current iteration.

    As we look to other RP programs around the country for best practices, we find no one model that is able to reach both goals, i.e., financial self-sufficiency while offering case management. Our collaborative pooled trust partner in Wyoming, for example, the Wyoming Guardianship Corporation, handles more than 300 RP customers in order to run a break-even program. However, they offer no case management whatsoever, and have no in-person contact with their customers (their office location is kept secret). They rely on government-based programs with case management to coordinate services for RP clients (services that simply don't exist in Colorado) and have shared that without these supports, the customers would not be successful.

    We're not trying to be all things to all customers. CFPD would like to provide some funding to case managers in partner agencies, people who are already expert within their lines of service (housing, life skills, mental health, etc.).

    We believe that by leveraging the resources already available in our community, and offering some financial support, CFPD can offer significantly more RP customers a complete service. We're already working toward this goal, having partnered with Independence Centers serving people with disabilities in Colorado Springs and Boulder, CO.


  • Year established:1994
  • Endowment:No


  • Executive / Trustee board size:12
  • Advisory board size:0
  • Staff size:14


  • Organization type:Grantseeker
  • Country of registration:United States
  • Tax Determination Letter:Received Determination Letter
  • IRS Section:501(c)(3)
  • IRS Subsection:None
  • Tax ID:84-6272143

Other Organization Web

IRS Business Master File Information

  • EIN:846272143
  • Sort (Secondary) Name:
  • Organization Address:1355 SO COLORADO BLVD
  • Organization City:DENVER
  • Organization State:CO
  • Organization Zip:80222-3305
  • Group Exemption Number:0000
  • Subsection Code:03
  • Classification Code(s):1
  • Subsection/Classification Desc.:Charitable Organization
  • Affiliation Code:3
  • Ruling Date:February, 2001
  • Deductibility Code:1
  • Foundation Code:15
  • Foundation Code Desc.:Organization which receives a substantial part of its support from a governmental unit or the general public 170(b)(1)(A)(vi)
  • Activity Code(s):
  • Activity Code Desc.(s):
  • Organization Code:2 (Trust)
  • Exempt Org. Status Code:01 (Unconditional Exemption)
  • Tax Period:December, 2016
  • Filing Requirement Category:01 (990 (all other) or 990EZ return)
  • Accounting Period:December
  • NTEE Code:S50
  • Asset Amount:$17,463,232
  • Asset Code:8 ($10,000,000 - $49,999,999)
  • Income Amount:$4,933,888
  • Income Code:6 ($1,000,000 - $4,999,999)
  • 990 Revenue Amount:$4,819,289
  • Last Updated:3/23/2018 3:56:28 am

This information is directly from the IRS Exempt Organization Business Master File at Exempt Organizations Business Master File Extract. This information is not under the control of the Common Grant Application and is collected and compiled and can only be changed by the IRS.