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How Funds From a Special Needs Trust Can and Cannot Be Used

How Funds From a Special Needs Trust Can Be Used

Each state has a different set of limitations on how money in special needs trusts can or can’t be used, but generally it can be used for supplemental needs—those needs not met by government benefits such as Medicaid and SSI. Typical uses of money in special needs trusts (see Insure.com. “Life insurance planning for parents of children with special needs.” May 19, 2009. Retrieved fromhttp://www.insure.com/articles/lifeinsurance/special-needs-children.html on September 9, 2010):

  • Transportation
  • Home health aids
  • Education
  • Rehabilitation
  • Computer equipment
  • Medical and dental care not provided by government benefits

How Funds From a Special Needs Trust Cannot Be Used

Again, each state sets its own limitations on how funds can or cannot be used, but generally the trustee of your special needs trust cannot use funds for (see Insure.com. “Life insurance planning for parents of children with special needs.” May 19, 2009. Retrieved from http://www.insure.com/articles/lifeinsurance/special-needs-children.html on September 9, 2010):

  • Food
  • Housing
  • Property taxes
  • Home insurance
  • Utilities
  • Transferring cash to your child with special needs
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