Special Needs Planning

SPECIAL NEEDS PLANNING

Special needs planning involves helping families make proper arrangements for a child or other relative who has a disability. We work with families to ensure that their estate planning documents provide for the particular needs and circumstances of their loved one with a disability. This may involve creating a special needs trust (sometimes called supplemental needs trusts) for a child or other relative to ensure that the child remains eligible for certain public benefits upon the death of a parent. We advise families regarding the public benefits available for persons with disabilities such as Supplemental Security Income (SSI), Social Security Disability Income (SSDI), Medicare, and Mass Health. We also advise families on court-approved guardianship matters and alternatives to guardianship.

In addition, when a person with a disability receives an inheritance outright or a settlement or jury award in a personal injury lawsuit, care must be taken to ensure that person remains eligible for certain means-tested public benefits. We advise families on their options (which may include certain types of special needs trusts or other alternatives) to ensure that public benefits are not reduced or eliminated.

Guardianships

A child with a disability who turns 18 may not be ready to make all of the choices and decisions that his or her parent had been previously making on his or her behalf. In these cases, a guardianship may be appropriate to ensure that the child’s best interest always comes first. Vulnerable adults are susceptible to external influences that may be adverse to their interest. They may be financially immature or irresponsible. Whatever the particular reason, obtaining a guardianship for your child can bring you great peace of mind. Holly Lynch Law can take care of this for you.

Special Needs Trust (SNT)

A “special needs trust” (also referred to as a “supplemental needs trust”) is a legal tool used by families to ensure their child has enough financial resources to meet their future needs without jeopardizing their eligibility for state or government aid. If your child already receives benefits from Social Security or Medicaid, you know they are very limited and cannot possibly cover all the expenses necessary to enjoy the quality of life you desire for your son or daughter.


For that reason, many well-meaning parents will choose to leave their disabled child a large portion of their estate in a Will, without realizing their child could lose their benefits as a result (which in the case of Medicaid, may be the only health care option available to your child!).

Instead, parents of special needs children should consider establishing a special needs trust which will “hold” such assets for your child without actually putting them in his or her name. The assets in the trust will then be administered by a trustee of your choosing and according to the rules you set forth in your estate plan. By doing this, your child can continue receiving necessary government resources but can still inherit from you. The trust money would then be used to enhance your child’s life.

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