Protect Your Child’s Benefits Without Losing Sleep
Special Needs Trusts & ABLE Accounts Explained — State by State, By a Parent Who’s Been There
I know why you’re here. Maybe you just learned your child qualifies for SSI or Medicaid. Maybe a grandparent wants to leave an inheritance. Maybe you’re terrified of making a mistake that costs your child everything.
You’re in the right place. After 15+ years navigating this system with my own child, I built this site to give you the answers I wish I’d had — clear, state-specific guidance without the $400/hour attorney fees (though I’ll help you find a good one when you need it).
🗺️ Find Your State’s Rules
Every state has different rules for Special Needs Trusts and ABLE accounts. Select your state below for specific guidance:
Or scroll down to browse all states in the footer
The Basics: What You Need to Know Today
💰 ABLE Account
Best for: Day-to-day expenses
2025 Limit: $19,000/year
Setup: Free, 15 minutes
Good for: Therapy, equipment, activities
📜 Special Needs Trust
Best for: Large assets
Limit: None
Setup: $2,000-$5,000 (attorney)
Good for: Inheritance, lawsuits, gifts
💡 Pro tip: Most families need BOTH. Use ABLE for quick access to $19K/year. Use an SNT for everything else. See the complete comparison →
Why Trust This Site?
I’m not a lawyer selling you services. I’m a parent who spent years learning these rules the hard way — including the mistakes. This site exists because I want your journey to be easier than mine.
Start Here
- Find your state above — get specific rules and tools
- Read ABLE vs SNT guide — understand your options
- Download free checklists — prepare for next steps
All information verified December 2025. I update this site quarterly as rules change.