Hi, I’m Randy Smith
A special needs dad from Tallahassee, Florida — 18 years into this journey and still learning every day
Why Did I Build This Site?
My son was diagnosed with autism at age 3. In those early years, I focused on what was right in front of me — therapies, IEPs, finding the right school, surviving each day.
The future felt far away. Until it wasn’t.
I don’t remember the exact moment, but somewhere along the way — watching our friend’s talking with their kids talk about college, seeing them teach their kids to drive — the question crept in and wouldn’t leave:
“How will my son sustain himself once I’m gone?”
If you’re reading this, you’ve probably had that same 3 AM thought. The one that sits in your chest. The one that makes you feel completely alone even in a room full of people who love you.
I get it. I’ve been there. I’m still there.
What Was My Wake-Up Call?
Two things happened as my son got older.
First, it became clear he wasn’t going to follow the typical path. The adult world operates on assumptions he doesn’t understand. College applications, job interviews, lease agreements, bank accounts — none of it was built with him in mind.
Second, his grandparents started getting older. They wanted to leave him money — a beautiful gesture born from love. But when I started researching, I discovered something terrifying:
A direct inheritance could disqualify him from every benefit he needs to survive.
That’s when I fell down the rabbit hole. Special Needs Trusts. ABLE accounts. Medicaid asset limits. SSI rules. Sole benefit requirements. Payback provisions. First-party vs. third-party trusts.
I spent hundreds of hours researching. I talked to attorneys. I read federal regulations at midnight. I made mistakes. I learned from them.
And I kept thinking: Why is this so hard to figure out? Why isn’t there a simple, state-by-state guide written by someone who actually lives this?
So I built one.
What Does This Site Do?
After 18+ years of learning these rules — through trial, error, and countless phone calls with Medicaid offices — I created SpecialNeedsTrustByState.com to share what I’ve learned. Free. No paywalls.
Every other resource I found was either:
- Written by lawyers in jargon I couldn’t understand
- Generic “one size fits all” advice that ignored state differences
- Trying to sell me something before helping me
- Outdated and potentially dangerous
I wanted something different — a clear, compassionate, state-specific guide written by a parent for parents.
Here’s what you’ll find:
- State-specific rules for all 51 jurisdictions (50 states + DC)
- Clear comparisons of ABLE accounts vs Special Needs Trusts
- Practical tools — calculators, checklists, guides
- Real parent traps I’ve seen (or fallen into myself)
- Attorney connections when you need professional help
What Qualifies Me to Write This?
Not a law degree. I don’t have one, and I’m not pretending to.
What I have is:
- 18+ years as a special needs parent
- Hundreds of hours researching SNTs, ABLE accounts, and benefit protection
- Personal experience setting up these protections for my own son
- The same fears you have — and a relentless need to solve them
- An IT background that makes me good at organizing complex information into something actually usable
Everything on this site is thoroughly researched and regularly updated. But it’s educational information, not legal advice. For your specific situation, you need an attorney who specializes in special needs planning — and I’ll help you find one.
My Promise to You
- Keep it simple. No legal jargon. No confusing acronyms without explanation.
- Keep it current. I review every state page quarterly, and immediately when laws change.
- Keep it honest. If I don’t know something, I’ll say so. If you need a lawyer, I’ll tell you.
- Keep it free. The information will always be free. (I may earn referral fees if you connect with an attorney through my site — that’s how I keep the lights on — but it never costs you extra.)
- Remember why I’m here. Every page I write, I think about parents like me, lying awake at 3 AM, wondering how to protect their child. That’s who this is for.
How Can You Contact Me?
Have a question? Found an error? Just want to share your story?
📧 Email: randy@specialneedstrustbystate.com
📍 Location: Tallahassee, Florida
I read every email personally. I can’t give legal advice, but I’m always happy to point you in the right direction.
You’re not alone in this. I promise.
— Randy