An ordinary gift or inheritance can create unintended issues for a beneficiary who receives needs-based benefits. Planning should begin with qualified legal and benefits advice.
A special-needs trust
A special-needs trust is one planning tool that may be discussed in appropriate circumstances. The details, funding and benefit rules are important.
Coordinate the whole plan
Wills, trusts, beneficiary designations and family conversations should work together when a vulnerable beneficiary is involved.
A careful next step
General education is a beginning, not personal advice.
Delaware law and individual circumstances can change the answer. A qualified Delaware attorney can explain how the facts apply to you.
Common questions
Can I simply leave money to a caregiver?
Informal arrangements can create risk. Get advice before relying on a workaround.
Are benefits rules the same for everyone?
No. Program rules and individual circumstances differ.