What are the disadvantages of a special needs trust anyway?

If you're currently trying to navigate the maze of disability planning, you've likely asked yourself what are the disadvantages of a special needs trust and whether the hassle is actually worth it. Most of the time, we hear about how these trusts are "lifesavers" because they let someone with a disability keep their government benefits while still having a financial cushion. But let's be real—they aren't perfect. There are some genuine downsides that can make your life, and the life of the beneficiary, a bit of a headache. ...

May 20, 2026 · 6 min · Fiona Plummer