Planning for the future is a gift we give ourselves and our loved ones. When it comes to ensuring the well-being of a child with autism, the importance of thoughtful preparation cannot be overstated. One crucial tool in this process is a Special Needs Trust.

A Special Needs Trust allows you to set aside funds for your child without jeopardizing their eligibility for government benefits like Medicaid/Medi-Cal and Supplemental Security Income (SSI). This is particularly vital because these benefits often have income and asset limits, which, if exceeded, can result in the loss of crucial assistance.

Some key points to consider when setting up a Special Needs Trust:

1. Protection of Benefits: By putting funds into a Special Needs Trust, your child can get government benefits AND use your funds for non-covered expenses like therapies, educational resources, certain medical treatments, technology and other quality of life enhancements.
2. Trustee Selection: Choosing the right trustee is paramount. This individual or entity will manage the trust on behalf of your child, ensuring that funds are used appropriately.
3. Clear Instructions: The trust document should provide detailed instructions such as specifics about your child’s needs, preferences, and the purpose of the trust.
4. Professional Guidance: Working with an attorney who specializes in Special Needs Planning is highly advisable. They can help navigate complex legal requirements, draft the trust document, and ensure all necessary steps are taken to protect your child’s future.
5. Regular Reviews: It’s essential to review the trust regularly, especially after significant life events such as marriages, deaths, or changes in financial circumstances.

Creating a Special Needs Trust is a powerful way to provide lasting support and security for your autistic child. It offers relief, knowing that you have taken concrete steps to ensure their well-being long after you are gone.