Do I need a special needs trust?
If you have a loved one with a disability who receives or may need government benefits like Medicaid or Supplemental Security Income, then yes, a special needs trust is important. Leaving them money directly could disqualify them from those programs, but a properly drafted trust lets you provide for extras without that risk. It's a situation where a generic template can do real harm. Work with an attorney who specializes in this area.
