A Special Needs Trust (SNT) is one of the most effective planning tools for families who want to provide long-term financial security without putting their child’s public benefits, such as SSI or Medicaid, at risk. While an SNT offers powerful protections, it also comes with rules and limitations that must be understood to avoid unintended consequences.   This article provides an overview of how an SNT can be used and what it cannot be used for, so families can plan responsi

For many parents, recognizing that their child may have a disability is not a single moment, but a gradual realization full of questions and uncertainty. When government benefits depend on whether a child meets a particular definition of “disabled” that uncertainty can feel daunting. If you’re unsure whether your child qualifies as disabled under the law, you are not alone. Schools, state agencies, and federal programs may be using different definitions. This article explain

Families caring for a child with a disability often worry about how to provide financial support without jeopardizing crucial benefits such as SSI (Supplemental Security Income) and Medicaid. These programs impose a strict $2,000 asset limit, meaning that if a child has more than $2,000 in their name, they may lose eligibility for these essential benefits.   A Special Needs Trust (SNT) is one of the most effective estate-planning tools for protecting these benefits, while al