If you have a disabled child on SSI, you know they can’t have more than $2,000 in their name without losing benefits. Many parents assume this means they must disinherit their child entirely to preserve their SSI and Medi-Cal.
That is not true.
The Power of a Special Needs Trust
SSI and Medi-Cal allow Special Needs Trusts, which can provide extra money for your child’s care without impacting their eligibility for government benefits. These trusts must be carefully drafted to comply with federal rules, but when done correctly, they allow your child to have more—without losing critical benefits.
A Story of How Well It Works
I serve as the court-appointed attorney for a man in a Skilled Nursing Facility who has been on a ventilator his entire life due to an accident. Despite his medical challenges, he is happy, loves watching cartoons, and has formed close relationships with his nurses and caregivers.
His Medi-Cal benefits cover his basic care—but his Special Needs Trust provides so much more:
✅ A large TV that he generously shares with his roommate.
✅ A soft blanket and custom hospital gowns featuring his favorite cartoon characters.
✅ A specialized hospital bed that prevents painful bed sores.
✅ Travel costs for family visits from more than 100 miles away.
His uncle took over as Trustee after his father passed, ensuring that his quality of life remained just as good as when his father was alive. His sister, who received her inheritance outright, finds comfort knowing her brother will always have the best care possible.
Meanwhile, Medi-Cal continues to cover his $30,000/month medical costs.
Don’t Disinherit Your Special Needs Child—Protect Them
A Special Needs Trust allows you to:
✔ Provide for your child’s comfort and extras without affecting benefits.
✔ Ensure family members can continue to visit and support them.
✔ Keep assets protected and designate what happens to the money after they pass.
If you want to set up a Special Needs Trust for your child or loved one, give me a call. I’ll help you make sure they are always cared for—without losing their vital public benefits.
