Special Needs Trusts in Florida: What Parents Should Know

Introduction

Planning for a child with disabilities involves more than love and care—it requires proactive legal steps. One of the most powerful tools available is a Special Needs Trust in Florida. This legal structure allows parents to set aside funds for their child’s future without compromising their eligibility for vital public assistance programs like Medicaid and Supplemental Security Income (SSI).

By setting up a Special Needs Trust, Florida parents can ensure their child continues to receive essential government benefits while still having access to additional resources for enhanced quality of life.

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What Is a Special Needs Trust?

A Special Needs Trust (SNT) is a legal arrangement that holds assets on behalf of a person with disabilities. It is designed to supplement—not replace—public benefits by paying for services or items not covered by Medicaid or SSI, such as:

• Private caregivers or therapies

• Medical equipment

• Travel and entertainment

• Educational opportunities

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Types of Special Needs Trusts in Florida

There are two main types:

• First-Party Special Needs Trusts: Funded with the beneficiary’s own assets (e.g., lawsuit settlements or inheritance).

• Third-Party Special Needs Trusts: Funded by parents, grandparents, or other family members as part of an estate plan.

Each type must be carefully drafted to meet both federal and Florida-specific guidelines.

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Why You Should Consider One

✅ Prevents disruption of government aid
✅ Protects long-term financial stability
✅ Lets you appoint a trusted trustee
✅ Gives you peace of mind about your child’s care

A properly structured Special Needs Trust in Florida gives you confidence that your child’s future will be protected even when you’re no longer there.

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Final Thoughts

Don’t leave your child’s future to chance. Establishing a Special Needs Trust is one of the most important steps a Florida parent can take to ensure their child’s security and well-being.

📞 Need help creating a Special Needs Trust in Florida? Contact our experienced estate planning attorneys today.