Housing
Special Needs Trusts & ABLE accounts
Legal tools so savings or inheritance don't disqualify benefits.
Best for
Any family with assets to leave or save.
How to access
- Talk to a special needs attorney (PLAN of NY, NYSARC Trust Services).
- Open an ABLE account at NYABLE.ny.gov.
Reality check
Even modest savings can disqualify SSI/Medicaid without these.