A properly drafted special needs trust protects eligibility for essential programs while providing financial security. These trusts prevent outright assets from disqualifying access to benefits, offer controlled disbursements, and enable families to plan for long-term care needs. They empower trusted trustees to support loved ones without compromising entitlement status.
A robust framework helps prevent inadvertent disqualifications and ensures funds are available for essential services. Clear rules on distributions reduce conflict and create reliable support pathways for the beneficiary.
Our firm combines thoughtful planning with hands-on experience in special needs and elder law. We take time to listen, explain options in plain language, and tailor a plan that aligns with your family’s values and budget.
Regular reviews, trustee oversight, and periodic amendments maintain plan effectiveness and ensure continued eligibility and support.
A Special Needs Trust is designed to preserve benefits while providing additional support. It enables families to address shopping, transportation, therapies, and enrichment activities without risking disqualification. The plan should reflect the beneficiary’s preferences and align with available supports.
Public benefits have strict eligibility guidelines. A properly structured SNT prevents assets from counting toward eligibility while still funding care. Coordination with benefits agencies helps ensure ongoing compliance and reduces the risk of inadvertent loss of benefits.
Trustee selection is critical. The trustee should be capable, trustworthy, and responsive. In many cases, a family member with support from professionals provides the best combination of personal insight and financial stewardship.
Funding sources include cash, investments, or real property. Proper sequencing and documentation ensure assets are contributed without disrupting benefits. A funding plan aligns with the beneficiary’s needs and long-term care strategy.
Regular reviews—at least annually—help adapt to changes in laws, family circumstances, and beneficiary needs. Updates may include changes to trustee, distributions, or supplemental care plans to maintain effectiveness.
Common pitfalls include misnaming beneficiaries, failing to coordinate with public benefits, and poor trustee selection. Careful drafting, ongoing oversight, and clear communication help prevent these issues.
ABLE accounts provide additional savings capacity for disability-related expenses. Properly integrating ABLE with an SNT can maximize resources while preserving benefit eligibility and financial flexibility.
To begin, contact our Myersville office for a no-obligation consultation. We’ll review your situation, outline options, and start drafting a plan tailored to your family’s needs and goals.
