What is a special needs trust?
了解特殊需要信托如何帮助解决有特殊需要的亲人的终身财务需求.
Caring for a lifetime of needs takes a plan. A special needs trust is a way to design, 如果你无法做到这一点，直接提供资金，以确保你的家人或爱人得到照顾. Also known as a supplemental needs trust, 这种信托是为残疾人提供具体指导的绝佳方式.
这种类型的信托是一种工具，旨在拨出资产，以便为其他计划未涵盖的费用提供资金. These programs are intended to provide for basic needs, such as food, clothing, medical care and shelter. 信托内的资产还可以用于补充需求，例如, education, transportation, entertainment, 旅行和自费医疗及个人护理费用.
How to set up a special needs trust
为有特殊需要的个人设计和实施一个项目需要一个专业团队. 监督个人身心健康的监护人 trustee to manage funds, 还有一名合格的特殊需求律师，帮助你在收集和归档重要文件的过程中导航.
Your State Farm® agent 理财专家可以帮助你建立一个适合你的计划. 一定要向你的税务和法律顾问咨询你的情况.
- Parents (Grantor) implement a special needs trust. 第一步是找一位在特殊需求规划和残疾信托基金方面有经验的律师. 他们的知识和指导对于什么能做什么不能做是无价的.
- Funding the trust. 资金可以通过任何有价值的终身礼物或使用人寿pp王者电子官网来实现. Professional involved:
- A qualified tax adviser experienced in gifting, and
- Life insurance agent.
- Administering a trust. 信托可以由作为受托人的个人或机构管理. Professional involved:
- 具有特殊需求规划资格的律师和/或合格的税务顾问.
How to fund a special needs trust
一旦成立，任何人都可以向信托基金提供资金或资产. Oftentimes, special needs trusts are funded through the use of life insurance. Over time, and after the death of the caregiver(s), 与直接向信托支付相同的保费相比，它可以提供更多的资金. 任何类型的pp王者电子官网都符合条件，但如果父母是主要照顾者，通常 Survivorship Universal Life (SUL) is used.
Having a trust, and a method of funding the trust, 给你更多的空间来专注于其他的家庭和个人优先事项, 知道有特殊需要的个人的终身经济需要是可以解决的.
Making sure gifts help
了解特殊需求信托规则对于了解其中的资金可以用于什么以及如何最好地为他们提供资金是非常重要的. In this hypothetical situation, 凯特决定给她的孙子孙女每人15美元的礼物,000 when they reach age 21. One of Kate's granddaughters has Down syndrome; by directly accepting the gift, 外孙女的财产可能超过社会保障规定的资源限制, potentially rendering her ineligible for Supplemental Security Income (SSI) and medical benefits.
What could Kate do differently? 凯特可以把钱捐给特殊需要信托基金，或者她可以买一个 single premium life insurance policy, listing the trust as owner and beneficiary. Over time, 保证的现金价值和股息(当支付时)可用于信托的即时使用, 或者，股息可以购买已付的额外pp王者电子官网，以增加支付给信托的死亡赔偿金总额
