Protecting benefits. Supporting dignity. Planning for the future.
Planning for a loved one with special needs requires more than standard estate planning. It demands careful coordination, deep understanding of benefit rules, and a thoughtful approach that protects both financial security and quality of life.
At Mathews Law, we provide compassionate, attorney-led special needs planning tailored to your family’s unique circumstances.
What Is Special Needs Planning?
Special needs planning focuses on protecting a loved one who receives—or may receive—means-tested government benefits such as Supplemental Security Income (SSI) or Medicaid.
Without proper planning, an inheritance or financial gift can unintentionally disqualify a beneficiary from essential benefits. Special needs planning helps:
- Preserve eligibility for government benefits
- Provide supplemental financial support
- Protect assets from misuse or mismanagement
- Ensure continuity of care and advocacy
The goal is to enhance your loved one’s life without jeopardizing critical support systems.
Thoughtful Planning Starts with Analysis
Every special needs planning matter begins with a careful evaluation.
We start by reviewing your loved one’s current benefits, diagnosis and support needs, family dynamics, and financial resources. This analysis allows us to determine which planning tools are appropriate and how they should be structured to protect benefits while meeting long-term goals.
Planning decisions are made only after this analysis, ensuring the plan is compliant, realistic, and tailored to your family.
Special Needs Planning Tools
Depending on your circumstances, special needs planning may include:
- Third-party Special Needs Trusts
- First-party Special Needs Trusts
- Coordination with wills and revocable trusts
- Trustee selection and guidance
- Distribution standards designed to preserve benefits
- Planning for future caregivers and advocates
We focus on creating plans that are practical, durable, and easy for future trustees to administer.
Who Should Consider Special Needs Planning?
Special needs planning may be appropriate for:
- Parents of minor children with special needs
- Families supporting adult children with disabilities
- Grandparents wishing to leave an inheritance safely
- Individuals planning for their own disability
- Families anticipating future benefit eligibility
Planning early often provides the greatest flexibility and peace of mind.
Coordinated Planning Matters
Special needs planning does not exist in isolation. We carefully coordinate:
- Estate planning documents
- Beneficiary designations
- Medicaid and public benefit rules
- Family roles and responsibilities
This integrated approach helps avoid unintended consequences and ensures your plan works as intended.
Why Choose Mathews Law?
- Analysis-Driven Planning – No templates or assumptions
- Benefit-Focused – Designed to protect eligibility
- Attorney-Led – Careful drafting and oversight
- Compassionate Guidance – Respectful, family-centered approach
- Boutique Service Model – Personalized attention throughout the process
Begin the Planning Process
If you are caring for a loved one with special needs—or want to plan ahead—we’re here to help you create a thoughtful, protective plan.
Schedule a consultation to discuss your goals and begin building a plan that supports your loved one now and in the future.