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    With these needs-based government benefits the person with a disability can't own more than an extremely small amount of countable resources – often no more than $2,000.

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    There are few absolutes in estate planning, but this is one. If a child has a significant mental disability, the answer is parents should not leave an inheritance outright to a child with a significant mental disability.

    If the child has a significant mental disability then the child will obviously have difficulty managing the inheritance. And this inheritance is the child's last safety net -- so from a planning perspective parents generally want to be conservative and legally set up their estate plan to protect the inheritance.

    If the child inherits the money directly in his or her name the child will typically lose needs-based government benefits – the big ones being Supplemental Security Income (SSI) and Medicaid.

    With these needs-based government benefits the person with a disability can't own more than an extremely small amount of countable resources – often no more than $2,000.

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    ith a significant mental disability.

    If the child has a significant mental disability then the child will obviously have difficulty managing the inheritance. And this inheritance is the child's last safety net -- so from a planning perspective parents generally want to be conservative and legally set up their estate plan to protect the inheritance.

    If the child inherits the money directly in his or her name the child will typically lose needs-based government benefits – the big ones being Supplemental Security Income (SSI) and Medicaid.

    With these needs-based government benefits the person with a disability can't own more than an extremely small amount of countable resources – often no more than $2,000.

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    is the child's last safety net -- so from a planning perspective parents generally want to be conservative and legally set up their estate plan to protect the inheritance.

    If the child inherits the money directly in his or her name the child will typically lose needs-based government benefits – the big ones being Supplemental Security Income (SSI) and Medicaid.

    With these needs-based government benefits the person with a disability can't own more than an extremely small amount of countable resources – often no more than $2,000.

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    child inherits the money directly in his or her name the child will typically lose needs-based government benefits – the big ones being Supplemental Security Income (SSI) and Medicaid.

    With these needs-based government benefits the person with a disability can't own more than an extremely small amount of countable resources – often no more than $2,000.

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    With these needs-based government benefits the person with a disability can't own more than an extremely small amount of countable resources – often no more than $2,000.

    So, if the child inherits money directly he or she will lose these very valuable government benefits.

    And if the child has been receiving government benefits before or after getting the inheritance, the state may actually try to seize the inheritance for health or residential cost-of-care claims. A properly drawn special needs trust solves all these problems.

    The special needs trust is a trust created for a beneficiary with a disability that is designed to provide for the needs of the beneficiary to qualify for needs-based government benefits such as Supplemental Security Income and Medicaid. Also referred to as a supplemental needs trust.

    In effect, the trust is a legal instrument that separates the responsibi

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