South Georgia Special Needs Planning & Trusts

Do you have a child or spouse who is disabled?  Then you know their needs will last a lifetime. 

How do you prepare for their lifetime if something happens to you? 

We can help you build a plan to provide financially while protecting their government benefits.

How can I provide for my disabled loved one?

Quite often, well-meaning families unknowingly jeopardize their disabled loved one’s eligibility for essential government benefits such as Supplemental Security Income (SSI), Social Security Disability Insurance (SSDI), Medicaid, and Medicare.

How does this happen?

These families, driven by a desire to support and care for their loved one, end up directly gifting large sums of money—usually through an inheritance.

They mean well. Their intention is to ensure their loved one is provided for. However, this sudden increase in personal funds can result in their loved one losing access to government benefits.

Once these personal funds are exhausted, the safety net these benefits provided is no longer available.

So what should you do?

We recommend a special needs trust.

Contact us at (229) 207-0850 or click here to get started today.

What is a Special Needs Trust?

A special needs trust allows you to give financial help to your disabled loved one without risking their public benefits.

Rather than directly handing over money to your disabled child or spouse, you place your funds in this trust. This way, the government doesn’t hold it against them.

If you have a disabled loved one, you can pick one of these two trusts to protect their benefits AND provide an inheritance for them.

There are two types of Special Needs Trusts.

First Party Trust

Funded by the disabled person’s own money (i.e., if they receive an inheritance).

When they die, any money left in this trust will go to the government for care costs.

Third Party Trust

Funded by someone else, like a parent.

When they die, any money left in this trust goes back to the family, NOT the government.

We know you want the best for your disabled loved one. 

You don’t want them to lose their benefits because of an honest mistake on your part. 

It’s important that the trust is set up and funded correctly. Beyond that, the trust funds must also be used correctly. A wrong move here can cause them to lose benefits.

This is why having a special needs planning team in your corner will protect them now, in the future, and after you may no longer be around.

Special needs planning is tricky.

Your disabled loved one depends on you for everything.
You’re also navigating the ins-and-outs of government benefits and bureaucracy.

How can you provide for them when you’re gone?
Will they be able to keep their benefits?
Who will keep them safe and protected if you can’t?

We know you want your disabled loved one to have the best future possible.

With Special Needs Planning, you can create a plan that will protect them for their lifetime and provide peace of mind for you now.

Benefits of a Special Needs Trust

Protecting their public benefits is only one benefit of a Special Needs Trust. 

Here are a few more ways this trust can help your disabled loved one:

You choose who cares for them

If something happens to you, who do you want to step in for you as guardian? This trust will make sure your pick is selected.

Give without getting taxed

A SNT allows family to contribute directly to the trust without incurring a gift tax.

You have 100% control over the funds

With this trust, you can control how much money they get and when, based on SSA and IRS regulations.

Providing a better quality of life

A special needs trust helps with a wide range of needs, from transportation and education to personal care, without jeopardizing their access to Medicaid and SSI.

A special needs trust is a tool that empowers your disabled loved one when used correctly. 

Our team can help you determine the best way to structure the trust based on your unique situation to ensure your loved one’s benefits are uninterrupted.

You don’t have to handle special needs planning alone.

Planning for their lifetime care can feel overwhelming, but please know you don’t have to do this alone.

Our team has experience, knowledge, and insight to guide you through the complex rules that govern special needs trusts.

We are here to help you get all of the information you need to plan the future you want for them.

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