Planning for the Future: How a Special Needs Trust Can Protect Your Loved One

When you care for a child — or an adult child — with special needs or mental health challenges, your role goes far beyond the everyday. You're not just managing today; you're constantly thinking about tomorrow.
What happens when you're no longer here to protect and advocate for them?

It's a heartbreaking — but necessary — question every parent or caregiver must face.
The good news is, there are ways to plan that can offer peace of mind, security, and stability for your loved one. One of the most powerful tools available? A Special Needs Trust.

What Is a Special Needs Trust?

A Special Needs Trust (SNT) is a legal arrangement that allows you to set aside money and assets for your loved one without disqualifying them from essential public benefits like:

• SSI (Supplemental Security Income)

• SSDI (Social Security Disability Insurance)

• Medi-Cal

• Medicare

Without a properly structured trust, even a modest inheritance could accidentally jeopardize the very programs your loved one relies on for housing, healthcare, and daily support.

Why a Special Needs Trust Matters — At Any Age

Many people think Special Needs Trusts are only for young children — but that's far from true.
Even as your child becomes an adult, they may still need:

• Assistance managing finances

• Access to public healthcare programs

• Help navigating the social services system

• Advocacy for medical or housing needs

No matter where your loved one falls on the spectrum of independence, a Special Needs Trust can ensure they are supported — while preserving family relationships and avoiding future legal headaches.

Building a Team You Can Trust

In this week's episode of This Way Up, Andrea sits down with Sara Ecklein, a fiduciary who specializes in helping families plan for these challenges.
They talk about:

• How a neutral third party (like a fiduciary) can ease family tensions

• Why thoughtful estate planning goes beyond money — it protects relationships

• Real-world strategies for navigating the maze of public benefits

Because let's face it: no two families — or individuals — are alike. Some children will need a full team around them for life; others may thrive with light-touch support.
The key is planning early, intentionally, and with the right team by your side.

Listen to the Full Conversation

If you’re a parent, guardian, or advocate for someone with special needs or mental health challenges, this episode is packed with must-know information and practical advice.
Tune in to "This Way Up" on 5/8/2025  — you won’t want to miss it!