If you are planning for a loved one with disabilities in Greenacres, setting up a special needs trust is a key step to protect benefits and provide long-term care. The Law Offices of Robert P. Bergman helps families design trust arrangements that preserve eligibility for government programs while providing discretionary funds for quality of life needs. We work with clients to understand their unique circumstances, prioritize the beneficiary’s needs, and draft documents that reflect family goals. Our approach emphasizes clear communication, careful drafting, and practical solutions so families can move forward with confidence and peace of mind regarding long-term support.
A well-designed special needs trust balances immediate care needs and future planning while complying with state and federal rules. Whether you are creating a first trust, amending an existing plan, or responding to a change in benefits eligibility, our office assists with thorough assessments, trust funding strategies, and coordination with financial and care providers. We explain complex rules in straightforward language, outline the practical implications of different trust structures, and prepare the documents needed to ensure continuity of support. Families in Greenacres receive responsive guidance focused on sustainable outcomes and protecting the best interests of the beneficiary.
A special needs trust provides a means to supplement government benefits without disqualifying the beneficiary from public assistance programs, which is often essential for long-term care planning. It allows family members to set aside funds for housing, education, therapy, transportation, and personal items that public benefits do not cover. Properly drafted, the trust can protect assets from creditors and unexpected expenses while maintaining eligibility for Medicaid and Supplemental Security Income. The peace of mind that comes from knowing a loved one’s capital is preserved and accessible for necessary needs is an important benefit for families making these sensitive decisions.
The Law Offices of Robert P. Bergman serves clients across California with practical estate planning services tailored to family needs, including special needs trusts and related documents. Our office focuses on clear, client-centered planning that addresses assets, government benefits, and family dynamics. We guide clients through every step of the process from initial planning conversations to document execution and trust funding. By combining careful legal drafting with an emphasis on long-term sustainability, we help families establish protective arrangements that align with their goals for the beneficiary’s well-being and financial security.
A special needs trust is a legal arrangement that holds funds for a beneficiary with disabilities while preserving eligibility for means-tested public benefits. There are different types of trusts depending on funding sources and intended outcomes, and each type carries unique rules and drafting requirements. Establishing a trust requires careful wording about distributions, trustee powers, and termination provisions. Choosing the right trustee and setting clear policies about permitted uses of trust assets are essential steps. Our process helps families evaluate options, prepare the necessary documents, and implement funding strategies to ensure the trust serves its intended purpose over time.
Trust administration is an ongoing responsibility that includes managing investments, making distributions that do not jeopardize benefits, keeping accurate records, and communicating with social services when necessary. Trustees must understand the balance between improving quality of life and maintaining public benefits eligibility. The trust should include provisions for successor trustees, reimbursement to public benefits programs when required, and instructions for future trustees about priorities. We assist with drafting clear trustee guidance, preparing ancillary documents such as powers of attorney and health care directives, and advising families on funding the trust through wills, beneficiary designations, or direct transfers.
A special needs trust is designed to benefit an individual with physical, developmental, or cognitive disabilities by providing supplemental resources while preserving access to government assistance programs. It is commonly used when family members want to leave funds for a beneficiary without affecting Medicaid or SSI eligibility. The trust can pay for supplemental needs like adaptive equipment, education, travel, and therapy that are not covered by public benefits. Proper drafting and administration ensure legal compliance and practical effectiveness, outlining permissible distributions, trustee duties, and conditions that protect both the beneficiary’s public benefits and their quality of life.
Key elements of a special needs trust include a clear statement of purpose, trustee appointment and powers, distribution standards, funding instructions, and provisions for repayment to public programs if required by law. The process typically begins with an assessment of the beneficiary’s current and anticipated needs, followed by drafting, execution, and funding of the trust. Families should review beneficiary designations on retirement accounts and life insurance, consider pour-over wills to transfer probate assets into the trust, and prepare supporting documents like powers of attorney and health care directives. Thoughtful coordination among attorneys, financial advisors, and family members helps ensure the trust functions as intended.
Understanding specific legal and benefits-related terms is important when planning a special needs trust. Terms such as ‘payback provision’, ‘pooled trust’, ‘supplemental needs’, ‘trustee discretion’, and ‘beneficiary designation’ have practical implications for how the trust will be funded and administered. Clear definitions help families make informed decisions about which trust structure suits their situation and how distributions will interact with public benefits. We provide plain-language explanations and personalized advice to ensure clients fully grasp these concepts before finalizing their plan.
A payback provision requires that, upon the beneficiary’s death, any remaining trust assets be used to reimburse the state for Medicaid benefits provided during the beneficiary’s lifetime, up to the amount paid by the state. This requirement applies to many first-party special needs trusts funded with the beneficiary’s own assets. Understanding the payback obligation is essential for estate planning decisions because it affects how residual assets are distributed and whether other planning tools can be used to leave funds to family members or charities.
A pooled trust is managed by a nonprofit organization that maintains individual accounts for beneficiaries while pooling funds for investment and management purposes. Pooled trusts accept funds from individuals and families and are often an option when a first-party trust is needed but a family does not wish to act as trustee. These trusts may offer cost-effective administration and professional management while complying with public benefits rules. They typically include a payback provision and specific guidelines about allowable distributions and administrative fees.
Supplemental needs refer to goods and services that improve the beneficiary’s quality of life but are not covered by public benefits. Examples include certain therapies, transportation, education, vacations, recreation, and personal care items. Special needs trusts are intended to fund these supplemental needs while preserving eligibility for essential public programs. Trustees must carefully document distributions and ensure payments are made in a manner consistent with program rules to avoid jeopardizing benefits.
A third-party special needs trust is funded with assets belonging to someone other than the beneficiary, commonly parents or other family members. Unlike first-party trusts, third-party trusts generally do not require a payback to the state and allow remaining assets to be distributed according to the grantor’s instructions. These trusts are often established through a will or as a stand-alone trust and can be an effective strategy for leaving inheritance funds to a beneficiary without affecting their eligibility for government benefits.
When deciding between trust options, consider who will fund the trust, the source of assets, and the long-term goals for the beneficiary. First-party trusts funded with the beneficiary’s assets must typically include a payback provision, whereas third-party trusts funded by family members can distribute leftover funds more freely at the beneficiary’s death. Pooled trusts offer an alternative when individualized trustee management is not desired. Each option carries legal and administrative differences that affect taxation, repayment obligations, trustee duties, and flexibility of distributions. A thoughtful comparison helps families choose the structure that best aligns with their financial and caregiving objectives.
A limited planning approach may be appropriate when the beneficiary already receives adequate public benefits and has modest supplemental needs that can be met through small family contributions or existing resources. In such situations, a simple third-party trust or a clearly worded letter of intent may suffice to guide caregivers and trustees without the expense or complexity of a larger trust structure. However, families should still document plans carefully and consider contingency measures for changes in benefits, health, or living arrangements so the beneficiary’s support remains stable over time.
When needs are short-term and the family intends to provide direct support for a limited period, a narrow plan focused on immediate distributions or temporary assistance may be enough. This approach can be appropriate for situations such as transitional care after a hospitalization or a short-term lapse in benefits. Even in short-term scenarios, families should ensure distributions do not unintentionally affect public benefits and should document the purpose and timeframe for support. Clear communication among family members and trustees reduces the risk of conflicts or benefit complications later on.
A comprehensive planning approach is advisable when the beneficiary’s circumstances involve complex interactions between private assets, public benefits, and long-term care needs. Detailed planning addresses issues like retirement accounts, life insurance beneficiary designations, housing arrangements, and potential changes in eligibility rules. It coordinates multiple documents—trusts, wills, powers of attorney, and health care directives—to create a cohesive plan that anticipates future needs and minimizes the risk of unintended consequences. Comprehensive planning also clarifies family roles and succession for trustee responsibilities, which supports continuity of care.
When there are significant assets, estate considerations, or multiple potential funding sources such as life insurance proceeds or retirement accounts, comprehensive planning is important to ensure funds are directed in a way that benefits the disabled person while respecting benefit rules. Coordinating beneficiary designations, trust funding strategies, and tax planning can protect resources and prevent disputes. A full planning review helps families implement structures that manage risk, preserve benefits, and create clear instructions for trustees, guardians, and caregivers to follow in the long term.
A comprehensive strategy provides consistency across documents and reduces the chance of conflicting instructions or gaps in support. By addressing trust structure, funding, beneficiary designations, health care directives, and guardianship nominations together, families create a unified plan that anticipates changes and ensures the beneficiary’s needs remain covered. Comprehensive planning also helps prevent future disputes among family members by clarifying roles and priorities and by setting clear guidelines for how trust funds should be used to supplement public benefits without jeopardizing eligibility.
Another advantage of a comprehensive approach is proactive coordination with financial professionals and caregivers to establish realistic projections for future needs. This includes factoring in inflation, housing costs, medical care, and long-term support services. Families receive recommendations for funding strategies such as life insurance, beneficiary designations, or funded testamentary trusts to ensure continuity of care. Planning now can avoid the stress and expense of emergency measures later, delivering smoother transitions and greater stability for the beneficiary and their caregivers.
A well-crafted trust allows the beneficiary to retain access to essential public benefits while receiving additional support for items and services that improve daily living. Thoughtful drafting clarifies permissible distributions for housing, education, medical equipment, therapy, and recreational activities, ensuring funds are used to meaningfully enhance the beneficiary’s life. Trustees guided by clear trust terms can make decisions that balance immediate comfort with long-term sustainability, preserving critical benefits and supplementing them in appropriate ways when circumstances warrant.
Comprehensive planning reduces stress by documenting decision-making processes, naming successor trustees, and detailing policies for distributions and recordkeeping. This clarity helps avoid family conflict and ensures a smooth transition if the primary caregiver or trustee is no longer able to serve. By establishing written instructions, powers of attorney, and health care directives, families create a coordinated system for managing finances and care. The resulting structure provides predictability and reduces the administrative burden on loved ones during emotionally difficult times.
Make sure beneficiary designations on life insurance policies and retirement accounts align with the special needs plan to avoid unintentionally disqualifying benefits or creating probate complications. Consider using payable-on-death or transfer-on-death designations to move assets directly to a third-party trust or to individuals who will fund the trust. Regularly review designation forms after major life events like marriage, divorce, or death in the family. Proper coordination reduces the risk that assets will pass outside the intended trust structure, simplifying administration and protecting the beneficiary’s eligibility for public programs.
Prepare a letter of intent to accompany the trust that outlines daily routines, medical history, preferences, support networks, and long-term wishes for the beneficiary’s care. While not a legally binding document, it provides practical guidance to trustees, caregivers, and future decision-makers about the beneficiary’s needs and family expectations. Include contact information for key professionals, details about benefits, and instructions for accessing important documents. This narrative aids continuity of care and ensures the beneficiary’s preferences and needs remain central when decisions are made by others.
Families often choose special needs trusts to protect a loved one’s eligibility for Medicaid and Supplemental Security Income while still providing funds for enhancements not covered by public programs. Trusts enable families to plan for long-term support, address housing and care needs, and coordinate financial resources in a legally compliant way. They are also used to manage inheritances, life insurance proceeds, and settlement awards so that these funds do not inadvertently disqualify a beneficiary from vital services. Thoughtful planning gives families a controlled mechanism to provide for a disabled loved one without undermining important public benefits.
Setting up a trust now can prevent future disputes, reduce the administrative burden on caregivers, and create a clear record of intentions for trustees and courts. It also allows family members to plan for contingencies such as changes in health, relocation, or loss of a primary caregiver. With documented instructions and successor trustee provisions, families minimize uncertainty and ensure the beneficiary receives consistent support. Addressing these matters proactively often leads to better outcomes and less stress at times when decisive action may be needed.
Circumstances that commonly require a special needs trust include receiving an inheritance or settlement, having retirement account proceeds designated for a beneficiary with disabilities, or family members seeking to provide long-term supplemental support without affecting public benefits. Other triggers include planning for guardianship, preparing for transitions from pediatric to adult services, or addressing housing and long-term care funding. When a family anticipates any situation where assets could alter benefits eligibility or require structured management, consulting about a special needs trust is a prudent step to protect the beneficiary’s access to services and support.
When a beneficiary receives inheritance or settlement funds, those assets can jeopardize access to means-tested benefits unless handled through a proper trust. A special needs trust can accept those funds and provide for the beneficiary’s supplemental needs without disrupting eligibility. Timing and documentation are important; the trust should be drafted and funded in accordance with legal requirements to ensure the funds are used appropriately. Families should consult about the type of trust needed and steps to transfer settlement proceeds or inheritance funds into the trust to protect long-term benefits and support.
Life insurance proceeds and retirement account distributions intended for a beneficiary with disabilities should be coordinated with the special needs plan so they do not disqualify public benefits. Designating a trust as the beneficiary or arranging for funds to pour into a third-party trust can be effective strategies. Families should review beneficiary designations and consider trust provisions that govern how proceeds are used. Proper planning ensures these assets supplement care without reducing the beneficiary’s access to Medicaid or Supplemental Security Income, preserving a stable support framework for the future.
If a beneficiary’s care needs change, such as a new medical diagnosis or a shift toward residential supports, a special needs trust can provide flexible funding for evolving services. Changes in eligibility status or program rules also make it important to have a trust that adapts to circumstances while maintaining legal compliance. Trustees can use trust funds to bridge gaps in services, pay for one-time needs, and manage transitions in living arrangements. A proactive review of the trust and related documents helps families respond to life changes without undermining the beneficiary’s benefits.
We are available to assist Greenacres families with tailored planning for special needs trusts and related estate documents. Our office provides practical guidance on trust selection, drafting appropriate distribution language, funding strategies, and trustee responsibilities. We listen to your family’s goals, explain how different trust structures interact with California and federal benefits, and prepare documents to implement your plan. If you have questions about life insurance, retirement accounts, or how to use a will to fund a trust, we can review options and recommend steps to protect your loved one’s long-term well-being and access to services.
The Law Offices of Robert P. Bergman offers personalized estate planning services for families who need reliable special needs planning. We prioritize clear communication, careful document drafting, and attention to the practical realities of benefits administration and trust management. Clients receive guidance on trust structure options, funding mechanics, and coordination with other estate planning tools so their plans work as intended. Our goal is to create plans that are understandable, legally sound, and suited to each family’s circumstances while protecting the beneficiary’s access to essential public programs.
We help clients navigate the intersection of private resources and public benefits, advising on matters like beneficiary designations, pour-over wills, and trustee selection. Our team assists with trust administration tasks, offers templates for trustee recordkeeping, and provides ongoing support as needs evolve. By focusing on practical solutions rather than unnecessary complexity, families can achieve plans that deliver peace of mind and stability for their loved one’s future. We also coordinate with financial advisors and care providers when appropriate to ensure consistent implementation of the plan.
Clients in Greenacres and throughout Kern County rely on our firm for responsive service and realistic planning options. We aim to make the process accessible by explaining legal concepts in plain language, anticipating likely scenarios, and preparing documents that address both current and future concerns. Whether the goal is creating a new special needs trust, reviewing an existing plan, or coordinating estate documents to fund a trust, we guide families through every step with attention to detail and a focus on workable outcomes.
Our process begins with an initial consultation to understand the beneficiary’s needs, family goals, and asset picture. We then recommend a trust structure, draft the necessary documents, and provide guidance on funding and administration. Throughout the process we explain how distributions affect benefits, advise on trustee selection, and prepare complementary estate documents such as powers of attorney, advance health care directives, pour-over wills, and guardianship nominations. We aim for clear, actionable plans and assist with implementation steps so families can confidently protect the beneficiary’s support and access to services.
The first step involves a thorough review of the beneficiary’s current benefits, existing assets, family resources, and short- and long-term care expectations. We gather details about income sources, medical needs, living arrangements, and any anticipated changes to benefits or resource levels. By understanding the full picture, we can recommend a trust structure and drafting approach that aligns with the family’s objectives. This assessment also identifies potential complications such as beneficiary-owned assets that may require a first-party trust or coordination of retirement accounts.
We perform a detailed inventory of assets and benefits to determine how best to preserve eligibility while meeting supplemental needs. This includes reviewing SSI and Medicaid eligibility rules, existing trust documents, beneficiary designations, and potential sources of future funds. The assessment helps identify whether a pooled trust, first-party trust, or third-party trust is most appropriate and clarifies funding pathways. This thorough review reduces the risk of unintended consequences and ensures the planning recommendations are tailored to the beneficiary’s circumstances.
After the review, we set clear goals with the family and draft an initial plan outlining recommended trust structure, funding methods, and trustee duties. The plan includes timelines for document execution and funding steps, along with a checklist of supporting documents like powers of attorney and health care directives. We discuss how distributions will be handled and document family priorities so the final trust language reflects practical decision-making criteria. This stage ensures everyone understands the plan before documents are prepared for execution.
In the drafting step we prepare the trust instrument and related estate documents tailored to the family’s objectives. Drafting focuses on clear distribution standards, trustee powers, funding instructions, successor trustee provisions, and required payback language when applicable. We coordinate with clients to review and revise draft documents, answer questions about specific clauses, and ensure the plans comply with California and federal requirements. Finalized documents are prepared for execution in a manner that will withstand administrative and legal scrutiny while meeting the family’s practical needs.
We finalize trust provisions, including allowable distribution categories and trustee guidance, and prepare ancillary documents such as powers of attorney, advance health care directives, pour-over wills, and certifications of trust. These supporting documents ensure the trust can be funded and managed smoothly and provide necessary authority for trustees and caregivers. Clear, consistent language across documents reduces confusion and helps guarantee that assets transfer into the planned structure without unnecessary delays or disputes during administration.
Once documents are executed, we assist with practical funding steps such as changing beneficiary designations, retitling accounts, or coordinating transfers to the trust. For testamentary trusts, we prepare pour-over wills and provide guidance for probate-related steps. We also prepare trustee orientation materials and checklists to help with initial administration tasks. Proper funding is essential for the trust to operate as intended, and we help families complete the necessary transactions to place assets under the trust’s control.
After the trust is funded, ongoing administration includes recordkeeping, making permissible distributions, monitoring benefits eligibility, and updating documents as circumstances change. We offer guidance on trustee duties, tax considerations, and documentation practices to maintain compliance with program rules. Periodic reviews ensure the plan remains aligned with changes in the beneficiary’s needs, family situations, and legal developments. Families benefit from scheduled check-ins to confirm funding status, revise instructions, and prepare for transitions such as trustee succession or major life events.
We provide practical trustee guidance on recordkeeping practices, distribution documentation, and coordinating with government benefit administrators when appropriate. Accurate records are essential to show that trust distributions are supplemental and to respond to inquiries from benefits agencies. Trustees should maintain receipts, logs of distributions, and statements that demonstrate the trust’s activity and purpose. We help trustees develop simple systems for tracking expenses and provide templates to streamline reporting tasks and reduce administrative burden.
Periodic review of the trust and related estate documents is important to respond to changes in law, family circumstances, and the beneficiary’s needs. Reviews help identify needed amendments, updates to trustee selections, and adjustments to funding strategies. We recommend scheduling regular check-ins after major life events or changes in benefits rules to ensure the plan continues to function effectively. Proactive maintenance reduces the likelihood of emergency interventions and keeps the beneficiary’s support structure current and reliable.
A special needs trust is a legal arrangement that holds assets for a person with disabilities while allowing that person to remain eligible for public benefits like Medicaid and Supplemental Security Income. The trust provides funds for supplemental needs that public programs do not cover, such as specialized equipment, education, travel, therapy, and recreational activities. The trust must be carefully drafted to designate allowable uses and trustee powers to avoid being treated as countable resources for benefit eligibility. Families use these trusts to protect financial resources intended for a loved one without displacing essential public supports. The trust creates a controlled framework for distributions and assigns fiduciary responsibility to a trustee who follows written guidance. Proper administration and clear documentation are important to maintain benefits and to show that trust funds are being used to enhance quality of life rather than replace basic needs covered by public programs.
A first-party special needs trust is funded with assets that belong to the beneficiary, such as settlement proceeds or an inheritance, and typically must include a payback provision that reimburses the state for Medicaid benefits upon the beneficiary’s death. A third-party trust is funded by someone other than the beneficiary, such as a parent or other family member, and usually does not require payback, allowing remaining funds to be distributed according to the grantor’s wishes. Choosing between these trusts depends on where funds originate and the family’s goals for residual assets. Both trust types must be properly drafted to comply with legal requirements and preserve public benefits. We advise families on which structure fits their circumstances and on steps to fund the chosen trust correctly.
When a trust is properly crafted and administered, distributions from a special needs trust are not counted as income or resources for purposes of Medicaid and Supplemental Security Income eligibility, because the trust is intended to supplement rather than replace public benefits. Trustee discretion and careful documentation of distributions are important to maintain this distinction and to avoid actions that could be interpreted as direct support affecting benefit calculations. Trustees should be aware of what types of payments are permissible and keep detailed records. Coordination with benefits administrators may sometimes be required. An ongoing review of distributions and consistent recordkeeping help reduce the risk that an otherwise beneficial trust will inadvertently interfere with public program eligibility.
Life insurance proceeds and retirement account distributions can be used to fund a special needs trust when beneficiary designations are coordinated to ensure funds either flow into a properly structured third-party trust or are otherwise directed to support the trust’s purposes. It is important to review and, if appropriate, change beneficiary designations so that proceeds pass in a manner consistent with the special needs plan and do not create assets in the beneficiary’s name that could affect benefits eligibility. For retirement accounts that are payable to the beneficiary, additional planning may be necessary because distributions may be taxable and could affect means-tested benefits. Using a trust as beneficiary or employing other estate planning tools helps align these proceeds with the long-term support goals for the beneficiary, while addressing administrative and tax considerations.
A trustee should be someone reliable, organized, and willing to carry out the trust’s distribution criteria while maintaining accurate records. Family members often serve as trustees, but some families prefer a trusted friend, a professional trustee, or a nonprofit pooled trust when more formal administration is needed. It is important to name successor trustees to ensure continuity if the initial trustee cannot serve. Trust documents should clearly define trustee powers, duties, and distribution standards to guide decision-making. Providing written trustee guidance or a letter of intent helps trustees understand family priorities and the beneficiary’s needs. Thoughtful selection and preparation of trustees reduce administrative burdens and support consistent care for the beneficiary.
A pooled trust is operated by a nonprofit organization that manages a single aggregated trust while maintaining individual accounts for beneficiaries. It accepts funds from individuals and families, offering professional management and reduced administrative complexity compared to a private trust. Pooled trusts are often used for first-party trusts or when families prefer the nonprofit to assume trustee responsibilities on behalf of the beneficiary. Pooled trusts can be a cost-effective option, especially when the amount of funds does not justify a private trustee. They usually include a payback provision for Medicaid reimbursement and provide structured oversight of distributions. Families should review fee structures and distribution policies to determine whether a pooled trust aligns with their goals and the beneficiary’s needs.
To ensure trust funds are used appropriately, the trust should include clear distribution standards and guidelines that define permissible uses aligned with supplementing public benefits. Trustees must maintain careful records of distributions, keep receipts, and document decision-making to demonstrate that funds are being used in a manner consistent with program rules. Training or written trustee guidance can help trustees make informed choices about allowable expenses. Regular communication with family members and periodic reviews of trust activity help prevent misunderstandings and errors. Trustees should also consult with legal counsel or benefits advisors when uncertain about specific types of expenditures to avoid risking the beneficiary’s eligibility for essential programs.
California follows federal guidelines concerning special needs trusts and also has state-specific rules that can affect trust administration, payback obligations, and interaction with state Medicaid programs. For instance, certain elements of trust drafting and payback provisions must align with both federal and California rules. It is important to ensure trusts comply with relevant statutes and state program requirements to avoid unintended consequences for benefits eligibility. Families should also be aware of state procedures for Medicaid reimbursement and estate recovery claims when planning the trust and its remainder provisions. Regular review of California law and coordination with counsel helps keep the trust in compliance as laws and administrative practices evolve.
What happens to remaining trust assets at the beneficiary’s death depends on the trust type and the language included in the document. First-party trusts often include a requirement that remaining assets be used to reimburse the state for Medicaid payments made on the beneficiary’s behalf, up to the amount paid. Third-party trusts typically allow the grantor’s instructions to determine distribution of leftovers to family members, charities, or other beneficiaries. It is important to understand and draft remainder provisions according to family goals. Clear remainder language and coordination with estate planning documents ensure that any leftover assets are handled consistent with the grantor’s intentions while meeting any legal payback obligations applicable to the trust.
Special needs trusts should be reviewed periodically and after major life events such as changes in the beneficiary’s health, family structure, or benefits status. Reviews also are appropriate when significant financial changes occur, such as receiving an inheritance, settlement, or changes in retirement account values. Scheduled reviews help confirm funding status, update trustee designations, and adjust distribution instructions as needed. Regular check-ins also allow families to respond to legal or policy changes that may impact benefits or trust administration. Keeping the trust current with evolving circumstances helps ensure it continues to meet the beneficiary’s needs and preserves access to public programs that are part of the overall support plan.
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