The History of Missouri Special Needs Trusts

Genesis of Current Law: Case Study

A Special Needs Trust (also known as Supplemental Support Trust) is a legal mechanism that allows families to provide funds to relatives with special needs without interfering with their government benefits. The Missouri Division of Family Services (DFS) and the Social Security Administration analyze the special needs person’s assets annually to determine if he or she qualifies for government benefits, such as Medicaid and Supplemental Security Income.

If that person has more than $1,000-2,000 (depending on the program) in assets, he or she will be disqualified and will not receive the benefits. Most families need to maintain government benefits for family members with special needs, but also want to provide additional support.

Continue reading »

St. Louis Special Needs Programs and Services

Life Skills – Transitions into Independent Living

Life Skills helps people with disabilities live and work with dignity in our community. Established more than 44 years ago, Life Skills serves more than 1,400 adults and teens each year. Participants in the program are provided with aid, support, and opportunities to live independently, find and keep a job, make friends, and access all that St. Louis offers.

More information about Life Skills, their specific services, and upcoming events can be found on the web or by phone at (314) 567-7705.

Continue reading »

Special Needs Frequently Asked Questions

What are the different types of Special Needs Trusts?

There are three different types of Special Needs Trusts. The first two are known as Third-Party Grantor Trusts. A Grantor is the person who initially sets up the trust. These trusts are structured to benefit a person with special needs, but are set up by another party and funded with monies that are not in the name of the person with special needs. A Third-Party Grantor Trust can be set up in two different ways.

The first type of special needs trust is more commonly set up by parents of the child with special needs. In this trust, the funds are initially controlled by the Grantor. Upon the Grantor’s death, the funds are utilized for the benefit of the person with special needs. Even then, the trust must be carefully worded in order to restrict distributions that might disqualify the beneficiary from government programs.

Continue reading »