Support a child or adult with physical, mental, or behavioral disabilities
Special Needs Trusts
Caring for a loved one — today and for the long term
When a loved one has special needs, planning is about more than finances. It’s about dignity, stability, and knowing they will be supported — even when you are no longer able to provide that care yourself.
A Special Needs Trust (SNT) helps families set aside resources to enhance a loved one’s quality of life while protecting access to essential public benefits.
Who It’s For
Special Needs Trusts are often used by families who want to:
Preserve eligibility for Medicaid, SSI, and other public assistance
Ensure assets are managed responsibly and with care
Create long-term security for a loved one who cannot manage finances independently
How a Special Needs Trust Helps
Assets are managed by a trustee on behalf of the beneficiary
Public benefits eligibility is preserved
Trust funds can be used to improve comfort, care, and daily life
Financial oversight is provided when independent management isn’t possible
How It Works
A Special Needs Trust is administered by a trustee, not the beneficiary. The trustee decides when and how trust assets are used, ensuring funds support the beneficiary without putting government benefits at risk.
Because individuals with disabilities generally cannot own assets without affecting benefits, an SNT allows trust resources to be used for supplemental needs — enhancing care, independence, and well-being while essential assistance remains intact.
These trusts are commonly funded through inheritances, gifts, or personal injury settlements.
Thoughtful Planning Matters
Special Needs Trusts are carefully regulated and must be properly designed and administered. Working with experienced professionals helps ensure the trust truly serves its purpose: supporting a loved one while protecting the benefits they rely on.
Confidence for the Future
With the right structure in place, families gain peace of mind knowing their loved one will be cared for, supported, and respected — today and for years to come.
Plan Today. Protect Tomorrow.
Your legacy deserves more than probate. Discover how Dunham Trust can help you administer your trust consistent with its terms, maintain privacy, and ensure your wishes are carried out for generations.