Cheryl A. Merritt-Giles

If you rely on Social Security disability benefits programs such as Supplemental Security Income (SSI) or Social Security Disability Insurance (SSDI), the year ahead will offer a somewhat minimal amount of relief financially.

When claiming Social Security Disability Insurance (SSDI) benefits, each spouse must meet the eligibility criteria independently. SSDI considers your individual work history and earnings to qualify.

Military members who have a dependent living with a disability may face unique challenges. Their loved one may need special medical care or tailored educational services. The Execptional Family Member Program provides support for these families. 

There are many benefits to having a special needs trust that go far beyond the ability to maintain eligibility for SSI or Medicaid. For example, although Social Security Disability Insurance does not have asset or income requirements, this does not mean that SSDI beneficiaries should not have special needs trusts.