How a Special Needs Trust Protects a Disabled Beneficiary's Benefits

If you have a loved one with a disability, leaving them an inheritance outright could disqualify them from Medicaid and SSI. Lucas and Luna explain how a properly drafted third-party special needs trust lets you provide for their quality of life without jeopardizing essential government benefits. They walk through the rules—what counts as a qualifying distribution, who should serve as trustee, and why a first-party special needs trust works differently when the beneficiary funds it themselves, such as with a personal injury settlement. The episode closes with a real-world caution about using informal arrangements like a 'letter of intent' versus a formal trust. Listeners also hear why Fexingo keeps these episodes ad-free and how to support that decision at buy me a coffee dot com slash fexingo. #SpecialNeedsTrust #DisabilityPlanning #SupplementalSecurityIncome #MedicaidPlanning #EstatePlanning #TrustLaw #ThirdPartyTrust #FirstPartyTrust #PooledTrust #ABLENational #SSI #GovernmentBenefits #FiduciaryDuty #Trustee #InheritancePlanning #Finance #FexingoBusiness #BusinessPodcast Keep every episode free: buymeacoffee.com/fexingo