Special Needs Trust
Caretakers & Parents
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A Special Needs Trust (SNT), sometimes called a Supplemental Needs Trust, is a legal arrangement in which a person or organization (like a bank) manages assets for a person with a disability. The person with the disability is called the “beneficiary” and the person who is managing the assets is the “trustee.” Many kinds of assets can be put into a trust, such as cash, stocks, bonds, and real estate. An SNT provides for the needs of a person with a disability without losing or reducing their benefits such as
- Supplemental Security Income (SSI),
- In-Home Support Services (IHSS), and HUD housing assistance.
Assets in an SNT won’t be counted toward the SSI, Medi-Cal and IHSS asset limit of $2000 for an individual.
Links & References
SSI-Related Programs & Coverage Groups
Income & Assets Chart
Our web pages on:
- Aged and Disabled Federal Poverty Level Program
- IHSS In Home Supportive Services
- Part B Medicare Premium paid by Medi Cal
- Share of Cost – What is it?
- Social Security Disability – SSDI
- SSI – Supplemental Security Benefits – Automatic Medi Cal
- Part D Rx Low Income Subsidy – LIS – Extra Help
- Hospice Coverage – Medicare
The Aged & Disabled Medi-Cal program uses SSI countable income rules as well as a few extra rules you should know. For more information, visit or webpage on the SSI program, the Medi-Cal section of the Disability Benefits 101 website. CA Health Care Advocates Archive
Countable resources are the things you own that count toward the resource limit. Many things you own do not count.
- Have less than $2,000 in Countable assets for an individual ($3,000 for a couple).
- Have less than $1,271 - 123% of FPL in countable monthly income for an individual ($1,719 for a couple). ca health advocates.org ADFPL * AB 715 Fact Sheet * Western Poverty Law *
- Share of Cost if income is too high, but you qualify on asset test?
- Estate Planning
- Medi Cal Explained CHCF
- 10 Essential Health Benefits
- Our Webpage on Medi & Denti Cal Benefits
- Western Poverty Law - Exact Legal Rules on Coverage for Low Income Californian's