Complete Guide to Special Needs Planning for Adults in LaFollette
Special needs planning for adults addresses long-term financial and care arrangements for individuals with disabilities or ongoing care needs. In LaFollette and Campbell County, planning helps families preserve eligibility for government benefits while arranging for supplemental support through trusts and careful asset management. This service is focused on creating durable documents and strategies that reflect a person’s goals for quality of life, housing, healthcare decision-making, and financial security. Planning can be complex but meaningful when it protects the individual’s needs and relieves family members of uncertainty about the future and available benefits.
Understanding the options available for an adult with special needs helps families make informed choices about trusts, guardianship alternatives, and beneficiary designations. A well-designed plan addresses day-to-day living expenses, long-term care, and access to public supports such as Medicaid or Social Security Disability benefits. Planning often involves coordinating legal documents with healthcare directives and identifying trusted caregivers or fiduciaries. The right approach balances protection of benefits with flexibility to support a comfortable lifestyle, ensuring that decisions made today will continue to serve the adult over time.
Why Special Needs Planning Matters for Adults and Families
Special needs planning provides peace of mind by preserving access to public benefits while arranging for additional supports that enhance daily life. Without careful planning, assets intended to benefit an adult with disabilities can unintentionally disqualify them from Medicaid or other assistance programs. Proper planning can also specify who will make financial and medical decisions, who will manage funds, and how resources will be used to improve the individual’s quality of life. Families benefit from clear instructions, reduced conflict, and an established framework for long-term care and financial stewardship.
How Jay Johnson Law Firm Assists with Special Needs Planning
Jay Johnson Law Firm serves clients in LaFollette and across Tennessee with a focus on elder law, estate planning, and planning for adults with special needs. The firm helps families develop practical plans that protect benefits and provide for supplemental care. Services include drafting special needs trusts, powers of attorney, advance directives, and coordinating plans with public benefit rules. The team works directly with families to understand day-to-day needs, long-term goals, and to create documents that are clear, durable, and tailored to each household’s circumstances.
Understanding Special Needs Planning Services in LaFollette
Special needs planning combines legal, financial, and practical steps to protect an adult’s access to necessary government benefits while providing for additional needs not covered by those programs. Key components may include establishing third-party or first-party special needs trusts, naming appropriate fiduciaries, preparing health care directives, and structuring beneficiary designations. The planning process examines current resources, anticipated future needs, and the interaction between private resources and public benefits rules to ensure the adult receives the intended level of support without losing eligibility.
Family members often seek planning when a loved one reaches adulthood, when assets change, or when caregiving responsibilities shift. The process also covers transitions such as moving from family care to group living, changes in benefits, and the need for long-term funding. Planners review income, assets, benefits, housing, and support networks to recommend legal tools that maintain benefit eligibility and direct funds toward improving quality of life. Clear documentation reduces future disputes and supports continuity of care over time.
What Special Needs Planning Means and How It Works
Special needs planning is a set of legal actions designed to protect the well-being and public benefit eligibility of an adult with disabilities or chronic care needs. It often uses trusts and other legal instruments to hold assets for supplemental use while leaving government benefits intact. The planning process identifies appropriate fiduciaries to manage funds, sets out instructions for medical decisions, and coordinates estate planning choices to reflect both current care needs and long-term goals. Comprehensive planning anticipates changes in circumstances and aims to minimize legal or financial surprises for the family.
Core Elements and Steps in a Special Needs Plan
Key elements of a special needs plan typically include special needs trusts, durable powers of attorney, health care directives, and beneficiary arrangements. The process starts with a thorough assessment of resources, benefits, and daily care needs. Next, the legal documents are drafted and coordinated with financial accounts and property titles as needed. Ongoing review and updates are important to adapt to changes in laws, benefits, or the adult’s circumstances. Effective planning requires clear communication among family members, fiduciaries, and service providers to implement the strategy smoothly.
Key Terms and Glossary for Special Needs Planning
Understanding common terms helps families make informed decisions when planning for an adult with disabilities. This glossary explains technical words in plain language, covering how different trusts operate, what fiduciary roles involve, and how public benefits interact with private resources. Learning this vocabulary reduces confusion during planning meetings and supports better coordination among attorneys, financial advisors, and caregivers. The following entries define frequently used concepts and highlight how each term fits into a broader plan to protect benefits and provide supplemental care.
Special Needs Trust
A special needs trust is a legal arrangement that holds funds for the benefit of an individual with disabilities while preserving eligibility for public benefits such as Medicaid or Supplemental Security Income. Funds in the trust are used for supplemental needs that government programs do not cover, like enrichment activities, adaptive equipment, or certain housing expenses. Trusts must be carefully drafted to comply with benefit program rules and to name a trustee who will manage distributions according to the beneficiary’s needs and best interests. Proper administration is essential to maintain eligibility.
Spendthrift Provisions
Spendthrift provisions are clauses within trusts that restrict a beneficiary’s ability to access trust principal directly and prevent creditors from seizing trust assets. These protections help ensure that funds held for an adult with disabilities are used for intended purposes rather than being dissipated or attached by outside claims. By limiting direct control and requiring trustee-managed distributions, spendthrift language supports long-term financial stability for the beneficiary and helps maintain eligibility for means-tested public benefits by preventing direct ownership of resources.
Third-Party vs. First-Party Trusts
A third-party special needs trust is funded with assets belonging to someone other than the beneficiary, often a parent’s or family member’s estate plan. A first-party (self-settled) trust is funded with assets belonging to the beneficiary, such as a personal injury settlement. First-party trusts require specific provisions and often must include a payback clause to reimburse state Medicaid programs upon the beneficiary’s death. Choosing between these types depends on the source of funds and the planning goals for preserving benefits and future resources.
Powers of Attorney and Advance Directives
A durable power of attorney allows a designated agent to manage financial affairs if the person cannot do so, while an advance directive sets out healthcare preferences and names a decision-maker for medical choices. Both documents are important components of a special needs plan because they provide a legal pathway for trusted individuals to make timely decisions about finances and healthcare. Properly drafted directives align with the beneficiary’s wishes and the family’s plan for care, helping to avoid court-appointed guardianship when possible.
Comparing Legal Options for Adult Special Needs Planning
Families can choose from several legal tools to protect an adult with disabilities, each with advantages and trade-offs. Options include different types of trusts, powers of attorney, and limited guardianship arrangements. The best choice depends on the adult’s current benefits, the source of funds, anticipated care needs, and family objectives. Comparing options involves evaluating how each approach affects benefit eligibility, control over funds, administrative complexity, and flexibility to adapt to future changes. A careful comparison helps select a practical, sustainable plan.
When a Limited Planning Approach May Be Appropriate:
Stable Benefits and Low Asset Levels
A limited planning approach may be appropriate when the adult’s public benefits are stable and their personal assets are modest, requiring only basic legal documents to manage finances and healthcare. In such cases, a durable power of attorney and an advance directive can provide immediate decision-making authority without the complexity of trust administration. Families in this situation benefit from clear documentation that outlines responsibilities and reduces the likelihood of emergency court actions while keeping the planning effort streamlined and cost-effective.
Strong Informal Support Network
When a reliable network of family caregivers and informal supports is already in place, limited formal legal planning might meet current needs. If trusted relatives can manage day-to-day tasks and financial decisions informally, families may choose only targeted legal documents to address specific risk areas. Nonetheless, having written powers of attorney and medical directives remains beneficial to avoid disputes and to provide authority during emergencies. The limited approach should include periodic review to ensure it continues to reflect the adult’s circumstances and supports.
Why a Comprehensive Special Needs Plan May Be Preferable:
Complex Financial or Care Needs
A comprehensive legal plan is often necessary when an adult has significant assets, complex care needs, or when long-term funding sources must be coordinated with public benefits. Comprehensive plans include special needs trusts, coordinated beneficiary designations, and arrangements for future housing or personal care. These measures ensure that funds are preserved, used appropriately, and that government benefits remain available. Families with multiple income streams, settlements, or inherited assets typically benefit from a more detailed plan to avoid unintended consequences.
Anticipated Life Transitions or Legal Changes
Comprehensive planning is recommended when the adult is approaching life transitions such as leaving school, moving to community living, or when expected changes in family finances might affect benefits. It also helps protect against changes in benefit rules by building a resilient structure that can be adjusted as laws evolve. A thorough plan anticipates future events, identifies backup fiduciaries, and includes mechanisms for ongoing administration so that the adult’s needs remain met regardless of changes in circumstance or policy.
Benefits of Taking a Comprehensive Approach
A comprehensive approach to special needs planning provides clearer protection of eligibility for public benefits while channeling private resources to enhance daily life and future opportunities. It reduces the risk of disqualifying benefits through inappropriate asset ownership, clarifies who will make key decisions, and sets out how funds should be used for housing, therapy, education, or recreation. Families gain confidence knowing there are formal systems in place to manage finances and healthcare, and the adult benefits from coordinated support tailored to their goals and preferences.
Additionally, a comprehensive plan helps prevent family disputes by documenting wishes and naming responsible fiduciaries. It provides continuity if primary caregivers are no longer able to serve, offering backup arrangements to sustain care. The planning process also uncovers gaps in services or benefits and addresses them proactively. By combining legal tools, financial strategies, and clear instructions, families can protect both immediate needs and long-term quality of life for the adult with special needs.
Preservation of Benefits and Supplemental Support
One key benefit of a comprehensive plan is preserving eligibility for means-tested benefits while providing supplemental resources to improve daily living. Trusts and careful asset structuring allow funds to be used for things that public programs do not cover, such as enrichment activities, specialized equipment, or certain living expenses. This layered approach maximizes available supports without jeopardizing core benefits, ensuring the adult receives both necessary public assistance and discretionary enhancements that contribute to a fuller, more active life.
Long-Term Stability and Administrative Clarity
Comprehensive planning provides administrative clarity and long-term stability through named trustees and agents who understand how funds should be managed and decisions made. Formal documents set out distribution standards, decision-making authority, and contingency plans, which simplifies administration and reduces the chance of disputes. Over time, clear guidance helps trustees and caregivers act consistently with the adult’s needs and family values, and it facilitates smoother interactions with providers and government programs when proof of authority or intent is required.
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Practical Tips for Families Planning for Adults with Special Needs
Start planning early and gather documentation
Begin planning as soon as practical and collect important documents such as benefit award letters, medical records, financial statements, and any legal papers already in place. Early preparation allows for a thoughtful review of current benefits, assets, and caregiving arrangements. It helps your attorney identify potential risks to eligibility and craft solutions that fit your family’s goals. Early collaboration also gives time to select and prepare trustees or agents who understand the adult’s needs and preferences, ensuring a smoother transition if changes become necessary.
Coordinate benefits and private resources carefully
Choose fiduciaries who communicate and plan for continuity
Select trustees and agents who demonstrate reliability, clear communication, and a willingness to document decisions. Good fiduciaries work with family members, caregivers, and service providers to make distributions that enhance the adult’s life while complying with rules. Naming successor fiduciaries and documenting preferences helps ensure continuity if primary caregivers are no longer able to serve. Consider including instructions for how funds should be used and how decisions should be documented to guide future trustees and reduce the potential for disputes.
Reasons to Consider Special Needs Planning for an Adult
Families pursue special needs planning to secure a stable future for an adult with disabilities and to protect eligibility for government benefits. Planning helps manage the interplay between private savings and public programs, preventing inadvertent disqualification from Medicaid or Social Security benefits. It also provides formal authority for trusted individuals to handle finances and medical decisions, reducing the need for court involvement. For many, planning offers the reassurance that resources will be available for quality-of-life needs over the long term.
Other reasons include preparing for life transitions such as moving out of a parent’s home, responding to a settlement or inheritance, or arranging long-term care funding. Planning clarifies responsibilities, identifies appropriate support services, and documents the adult’s preferences so that caregivers can follow a coherent plan. Families benefit from reduced uncertainty and improved coordination with service providers when they have clear legal documents in place that reflect their objectives for care and financial support.
Common Situations That Lead Families to Seek Special Needs Planning
Typical circumstances prompting special needs planning include a recent disability diagnosis, the transition to adulthood, receipt of a settlement or inheritance, or a change in family caregiving capacity. Families may also seek planning after a loved one loses eligibility or faces benefit complexity, or when primary caregivers are aging and need to name successors. Each situation requires tailored legal arrangements to protect benefits, ensure appropriate use of resources, and establish authority for financial and healthcare decisions when needed.
Receiving an Insurance Settlement or Inheritance
When an adult with disabilities receives a settlement or inheritance, unstructured receipt of funds can unintentionally disqualify them from public benefits. Placing settlement proceeds into a properly drafted trust and coordinating distributions can preserve benefit eligibility while providing for the beneficiary’s supplemental needs. Planning at the time funds are received reduces the need for emergency measures and helps families allocate resources for long-term support, housing improvements, therapies, or other items that improve quality of life.
Transition from School to Adult Services
As an individual transitions out of the school system, previously available supports may change, prompting the need for a formal adult plan to manage benefits and services. Planning during this transition addresses housing, employment supports, and healthcare decision-making. It also clarifies how public benefits will be used and what private resources might supplement those supports. A proactive plan supports continuity of care and service eligibility, ensuring the individual’s needs continue to be met through adulthood.
Aging Parents or Changes in Caregiving
When primary caregivers age or experience health changes, families often need legal documents that name successor decision-makers and trustees. Planning anticipates these shifts by establishing durable powers of attorney, advance directives, and trust arrangements that detail how funds and care responsibilities will be managed. This reduces the risk of a caregiver emergency creating lapses in support for the adult and provides a clear transition plan so new caregivers can act quickly and confidently.
LaFollette Special Needs Planning Attorney
Jay Johnson Law Firm is available to assist families in LaFollette, Campbell County, and surrounding areas with comprehensive special needs planning. The firm provides practical guidance on trusts, powers of attorney, and healthcare directives, and helps families navigate benefit rules to protect eligibility while providing supplemental support. Clients can expect clear explanations of options, assistance coordinating documents with financial and care plans, and help implementing strategies that reflect the adult’s needs and family priorities for the present and future.
Why Families Choose Jay Johnson Law Firm for Special Needs Planning
Families choose Jay Johnson Law Firm because the practice focuses on practical, sustainable planning that protects benefits and provides for long-term support. The firm takes a client-centered approach, listening to family goals and designing documents that are tailored to each household’s unique situation. Services commonly include drafting special needs trusts, powers of attorney, and advance directives, and coordinating plans with public benefit requirements. The firm’s work emphasizes clarity, communication, and ongoing support to adapt plans as needs change.
Jay Johnson Law Firm works with families to identify appropriate fiduciaries and successor decision-makers, prepare clear instructions for trustees, and set out procedures for administering trust distributions. The firm focuses on reducing the administrative burdens families face while making sure the adult’s quality of life is prioritized. Attorneys provide straightforward explanations of how different approaches affect benefits, helping families weigh options and choose a plan aligned with their values and resources.
Clients in LaFollette and nearby communities can expect responsive service that covers initial planning and future updates as circumstances evolve. The firm assists with coordinating with financial advisors and benefit specialists when necessary and anticipates common pitfalls that families encounter. The goal is to deliver a workable plan that minimizes the likelihood of benefit loss and clarifies responsibilities so that families can focus on care and support rather than legal uncertainty.
Schedule a Consultation to Discuss Special Needs Planning
Our Special Needs Planning Process in LaFollette
The legal process begins with an intake meeting to review the adult’s benefits, assets, living arrangements, and care needs. The attorney will gather documentation and outline possible planning tools based on the family’s goals. Drafting and review of documents follow, with detailed explanations of how each item functions. After documents are executed, the firm assists with funding trusts, updating account ownership, and coordinating with other professionals. Periodic reviews are recommended to keep the plan current with changes in circumstances or rules.
Step One: Assessment and Information Gathering
The first step focuses on collecting detailed information about the adult’s benefits, income, assets, medical needs, and family caregiving arrangements. This assessment helps identify any risks to benefit eligibility and clarifies immediate priorities. The attorney will also review prior legal documents and beneficiary designations. Accurate information at this stage ensures that the recommended plan aligns with the adult’s needs and the family’s objectives, forming the foundation for trustworthy and practical planning.
Benefits and Financial Review
A benefits and financial review evaluates current programs such as Medicaid or disability benefits, income sources, and account ownership that could affect eligibility. The review identifies assets that must be protected or moved and lists potential income streams for the adult’s support. This analysis guides decisions about whether trusts are necessary and how they should be funded, helping to balance immediate living needs with long-term planning goals.
Care Needs and Living Arrangement Assessment
Assessing care needs and likely living arrangements clarifies what supports the adult requires now and in the future, such as therapy, personal care, or specialized housing. Understanding those needs helps determine how funds should be used and what documentation will be necessary to secure services. This step also involves identifying potential guardianship concerns and planning alternatives to avoid unnecessary court involvement while ensuring decision-makers are in place if needed.
Step Two: Plan Design and Document Preparation
In the design phase, the attorney recommends specific legal instruments—such as trusts, powers of attorney, and advance directives—and outlines how they will be coordinated. Drafting occurs with careful attention to language that preserves benefits while authorizing discretionary distributions for supplemental needs. Families review drafts, provide feedback, and finalize who will serve as trustees and agents. This stage ensures each document reflects the adult’s care goals and the family’s expectations for administration.
Drafting Trusts and Directives
Drafting special needs trusts and related directives requires precise language to meet benefit program rules and the family’s objectives. Trust documents specify distribution standards, trustee powers, and successor arrangements. Health care directives outline medical preferences and name a decision-maker for healthcare. Clear drafting reduces ambiguity for trustees and caregivers and supports consistent decision-making that aligns with the adult’s best interests and the family’s wishes.
Review and Execution of Documents
After documents are drafted and reviewed by the family, the execution process includes signing, notarization, and arranging witnesses as required by law. The firm guides clients through these formalities and provides copies for fiduciaries and relevant service providers. The execution step finalizes the legal framework and allows the plan to be implemented, including funding trusts and updating titles or beneficiary designations so that the plan operates as intended.
Step Three: Implementation and Ongoing Management
Implementation involves funding trusts, transferring accounts, and coordinating with banks, advisors, or benefit administrators to ensure the plan functions smoothly. The firm assists in these administrative tasks and provides guidance for trustees on recordkeeping and distributions. Ongoing management includes periodic reviews to respond to changes in law, benefits, or family circumstances, and to update documents as necessary so the plan continues to serve the adult’s evolving needs.
Funding Trusts and Account Transfers
Funding trusts and transferring accounts ensures assets are held in the proper form to avoid affecting benefit eligibility. This may require retitling accounts, changing beneficiary designations, or directing settlements into trust structures. Proper funding is essential for the plan to work as intended and often requires coordination with financial institutions and benefit administrators to confirm compliance with program rules and to document the trust’s use for supplemental needs.
Trust Administration and Periodic Review
Once in place, trusts require thoughtful administration including prudent distributions, detailed recordkeeping, and communication with caregivers. Periodic review is recommended to adjust for life changes like moves, changes in health, or differences in available services. Regular updates help maintain benefit eligibility and ensure the trust remains aligned with the adult’s needs and family objectives. The firm supports clients in addressing questions and making necessary updates over time.
Frequently Asked Questions About Special Needs Planning for Adults
What is the purpose of a special needs trust for an adult?
A special needs trust is designed to hold assets for the benefit of an adult with disabilities while preserving eligibility for government programs that consider the individual’s assets and income. Trust funds can be used for supplemental needs not covered by public benefits, such as certain therapies, education, personal items, or recreational activities. The trust enables the beneficiary to enjoy an improved quality of life without risking disqualification.Proper drafting and administration are essential to maintain benefit eligibility. The trustee manages distributions according to the trust’s terms and benefit program rules, ensuring funds are used appropriately. Families should consult with an attorney to choose the correct trust type and to coordinate it with the adult’s overall benefit strategy.
How does special needs planning protect Medicaid or other benefits?
Special needs planning protects benefits by structuring assets so they are not counted as the beneficiary’s personal resources for means-tested programs like Medicaid or Supplemental Security Income. This typically involves using trusts, changing account ownership, and ensuring income is handled in a way that does not affect eligibility. The goal is to provide supplemental support without altering the beneficiary’s qualification for essential programs.Coordination with benefit rules and careful documentation are crucial. Mistakes in account titling or premature distributions can jeopardize benefits. Regular reviews help adapt the plan to changes in income, assets, or program rules so that protections remain effective over time.
Who should be named as trustee or agent in these plans?
Trustees and agents should be individuals who are trustworthy, organized, and willing to take on administrative responsibilities. Many families select close relatives or trusted friends who understand the beneficiary’s needs and values. Sometimes, professional fiduciaries or corporate trustees are considered when family members are unable or unwilling to serve. The most important considerations are reliability, communication skills, and the ability to follow documented distribution standards.It is also wise to name successor trustees and agents to provide continuity if the primary fiduciary becomes unable to serve. Clear written instructions and periodic training or meetings with the chosen fiduciaries can help ensure they are prepared to manage funds and decisions responsibly over time.
Can an adult still receive inheritances without losing benefits?
Yes, an adult can receive an inheritance without losing benefits when the inheritance is directed into the proper trust structure or otherwise protected from direct ownership. For example, directing an inheritance into a third-party special needs trust typically preserves the beneficiary’s eligibility while allowing the funds to be used for supplemental needs. If assets pass directly to the beneficiary, careful planning is required to avoid disqualification from means-tested programs.When an inheritance comes directly to the beneficiary, a first-party trust may be necessary to maintain benefits, though certain payback provisions can apply. Consulting with an attorney before accepting or depositing inherited funds helps ensure the correct steps are taken to protect benefits and maintain the intended uses for the inheritance.
What documents are typically included in a special needs plan?
A typical special needs plan includes a special needs trust, durable power of attorney for financial matters, advance health care directives, beneficiary designations, and sometimes letters of intent describing personal preferences and daily routines. These documents work together to ensure financial resources are managed properly and medical decisions are made by trusted individuals in line with the adult’s wishes.Other supporting elements may include instructions for trustees, lists of service providers, and coordination with financial advisors to ensure accounts are titled correctly. Together, these materials create a cohesive plan that balances benefit protection with supplemental support for quality-of-life needs.
How often should special needs estate plans be reviewed?
Special needs estate plans should be reviewed periodically, particularly after major life events such as changes in benefits, a new inheritance or settlement, relocation, or changes in caregiving arrangements. A routine review every few years is also advisable to ensure the plan remains aligned with current laws and the adult’s evolving needs. Regular checks help identify any necessary updates to account titles or document language.Prompt review is recommended after events like the beneficiary beginning employment, receiving a large sum of money, or when primary caregivers age or pass away. Proactive updates preserve the plan’s effectiveness and help avoid unintended consequences that could disrupt benefits or care.
What is the difference between a first-party and third-party trust?
A first-party trust is funded with the beneficiary’s own assets, such as a settlement or savings, and often includes a requirement to repay the state Medicaid program after the beneficiary’s death. A third-party trust is funded with assets belonging to someone else, such as a parent or grandparent, and typically does not require Medicaid payback. The choice depends on the source of funds and family objectives for how those funds should be used to support the beneficiary.Both types of trusts are used to preserve eligibility for public benefits while providing supplemental resources, but they have different administrative and tax considerations. Consulting with an attorney helps determine which trust type best fits the family’s circumstances and long-term planning goals.
Will special needs planning avoid the need for guardianship?
Special needs planning can sometimes reduce or avoid the need for court-appointed guardianship by establishing durable powers of attorney and advance directives that designate trusted persons to act if the adult cannot make decisions. These documents provide a legal pathway for decision-making without court intervention, provided they are executed while the adult has capacity. Planning in advance helps families avoid the time and expense of guardianship proceedings.However, guardianship may still be necessary in situations where an adult lacks capacity and no effective advance documents exist. The planning goal is to minimize the likelihood of guardianship by putting durable legal authorities in place and by documenting preferences and decision-making criteria for caregivers.
How are funds used from a special needs trust?
Funds from a special needs trust are used for supplemental items and services that enhance the beneficiary’s quality of life without replacing benefits. Typical uses include therapies, education, transportation, recreational activities, assistive devices, and certain housing costs. Distributions are made at the trustee’s discretion in accordance with the trust terms and the beneficiary’s needs, always keeping in mind the rules governing public benefits eligibility.Trust administration requires careful documentation of distributions and purposes to show that funds were used for allowable supplemental needs. Trustees should maintain records and communicate with family members and service providers to ensure that disbursements support the beneficiary’s wellbeing without jeopardizing eligibility.
How can I get started with planning in LaFollette?
To get started with special needs planning in LaFollette, contact Jay Johnson Law Firm to schedule an initial consultation. Gather documents such as benefit letters, bank statements, existing wills or powers of attorney, and any available medical or education records. This information will help the attorney assess current needs and recommend appropriate legal tools.During the consultation, the firm will explain options, propose a planning approach, and outline next steps for drafting and implementing documents. Early engagement allows for thoughtful planning tailored to your family’s goals and provides time to select trustees and coordinate funding strategies that protect the adult’s benefits and support their quality of life.