Special Needs Trust Planner
Trust Summary
Beneficiary: John Doe
Trustee: Jane Smith
Trust Type: Third-Party SNT
Designed to supplement, not replace, government benefits like SSI and Medicaid.
Principal Funding
Est. Annual Supplemental Budget (4%): $4,000
Spending Allocation Strategy
Important Legal Note
This tool provides a structural overview of provisions. It is not legal advice. SNTs are highly governed by state and federal laws (Social Security POMS). Always have an attorney draft the final instrument.
- Do not give cash directly to the beneficiary.
- Payments should be made directly to service providers.
Trust Provision Checklist
Based on your configuration, the following clauses are recommended for the trust instrument.
Distribution Guidelines
To maintain SSI/Medicaid eligibility, the Trustee must distinguish between "In-Kind Support and Maintenance" (ISM) and Supplemental Needs.
✅ Allowable (Supplemental)
- Medical/Dental expenses not covered by Medicaid
- Therapy and Rehabilitation services
- Vacations and Travel companions
- Electronics (Computers, TV, Internet)
- Education and Tutoring
- Legal and Guardianship fees
- Vehicle purchase and insurance
âš Caution / Prohibited
*Payments for food/shelter may reduce SSI benefits by 1/3 (PMV rule).
- Cash given directly to Beneficiary (Strictly Prohibited)
- Rent or Mortgage payments*
- Property Taxes*
- Home Utilities (Gas, Water, Electric)*
- Groceries and Food*
- Standard clothing (basic wardrobe)
Trust Configuration
Customize the inputs to generate the correct provision list.