This audiobook is narrated by a digital voice.

When a parent's standard will becomes a danger to the child it was meant to protect

A direct inheritance can push a disabled beneficiary above the $2,000 asset limit that governs Supplemental Security Income. When that limit is breached, SSI stops, and in most states, Medicaid stops with it, often within the same month. This is not a rare complication. It is what happens by default when the specific legal structures required for a disabled beneficiary are not in place. For parents who have spent years building a support system around a child with a lifelong disability, standard estate planning is not a solution. It is a risk.

What this book helps you do

This guide walks parents, legal guardians, and trustees step by step through the process of establishing, funding, and administering a Third-Party Special Needs Trust alongside an ABLE account. You will learn how the $2,000 SSI resource limit works, why standard wills and beneficiary designations can inadvertently destroy government benefits, and how a properly structured trust protects assets without removing a beneficiary's eligibility for SSI and Medicaid. The book covers the 2026 ABLE Account expansion that raised the disability onset eligibility age from 26 to 46, updated contribution limits, the ABLE-to-Work provision, and how to coordinate the ABLE account and the Special Needs Trust as a unified planning system rather than competing alternatives.

Special Needs Trust and ABLE Account Guide, The

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