Special Needs Planning Assessment

Is Your Child's Future
Truly Secure?

A single planning mistake — leaving money directly to your child — can permanently disqualify them from SSI and Medicaid. Most families don't know until it's too late.

Check My Family's Protection — Free →

4 minutes  ·  No signup required  ·  Not a sales pitch

$2,000
Asset limit for SSI — a direct inheritance above this disqualifies your child
Age 18
When you lose legal authority to help your child without court approval
$100k
ABLE account savings allowed without affecting SSI eligibility
Life
How long a poorly drafted SNT can cause problems for your child
How This Assessment Works
Protect a loved one's benefits without accidentally disinheriting them.

Answer questions about your family member's situation, the benefits they rely on, and your current estate plan. Get a Special Needs Protection Score that surfaces the mistakes that quietly disqualify a disabled beneficiary from SSI and Medicaid.

Spot benefit-disqualification risks
A direct bequest — even a small one — can end SSI and Medicaid. We check your will, beneficiary designations, and family-member gifts for triggers.
Check for a Special Needs Trust
Third-party SNT, first-party SNT, or pooled trust — we flag which one fits your situation and whether yours is properly funded.
Letter of Intent, ABLE, guardianship
The non-legal pieces matter as much as the legal ones. We cover the full picture: ABLE accounts, guardianship vs. supported decision-making, and the Letter of Intent your successor trustee will actually need.

Not a law firm. Special-needs planning is high-stakes and highly state-specific. Sema Legacy prepares you for a productive meeting with a certified special-needs attorney.

What a Planning Gap Means for Your Child

Special needs planning mistakes are not recoverable. These are the gaps that hurt families most.

01
Critical
A direct inheritance — even $2,001 — disqualifies your child from SSI and Medicaid
SSI has a $2,000 asset limit. Any money inherited directly by your child above this threshold triggers a disqualification period. The benefits they depend on for housing, food, and medical care stop immediately.
02
Critical
At 18, you lose all legal authority over your child's decisions
Under the law, your 18-year-old is a legal adult. Without guardianship or a supported decision-making agreement in place, you cannot sign medical forms, manage finances, or help with legal matters without going back to court.
03
High Risk
An unfunded Special Needs Trust protects nothing
Many families set up an SNT but never fund it. An empty trust does not protect your child. Life insurance naming the trust as beneficiary is the most common — and often overlooked — solution.
04
High Risk
Without a life plan, "I'll figure it out" is the plan
What happens to your child's housing, care, and finances when you're no longer here? Without a documented life plan, you're leaving this to chance — or to family members who disagree about what your child needs.

What Your Free Assessment Reveals

10 questions. A protection score. A clear picture of exactly where your plan has gaps.

✓
Whether your child is protected from accidental benefit disqualification
✓
If your Special Needs Trust is properly set up and funded
✓
Whether guardianship or a supported decision-making agreement is in place
✓
If an ABLE account could provide tax-advantaged savings for your child
✓
Whether a Letter of Intent exists to guide future caregivers
✓
State-specific Medicaid waiver and benefit rules for your situation

Three Steps. Four Minutes.

No login. No credit card. No sales call.

1

Answer 10 Questions

About your child's situation, current planning, and your state's rules.

2

See Your Score

Get your Special Needs Protection Score and your top gaps instantly — free.

3

Follow Your Plan

Unlock step-by-step guides for each gap, personalized to your state's laws.

What It's Worth

For $39/month, protect your child's benefits and your family's legacy

Special needs planning is unforgiving. A single mistake — a direct inheritance, a missed trust, a wrong beneficiary — can eliminate years of government benefits in an instant.

Direct Inheritance
Child named as direct beneficiary on an account
Lose all SSI & Medicaid
immediately — a $2,001 inheritance disqualifies your child from SSI and Medicaid until the money is spent down
No Special Needs Trust
No SNT to receive assets for your child
$10,000–$100,000+
in lost lifetime government benefits — an SNT holds assets without counting against Medicaid/SSI eligibility
No ABLE Account
Missing out on tax-free savings for your child
$100,000 lifetime cap
in tax-advantaged savings available without affecting benefits — ABLE accounts cover housing, education, health, and more
No Letter of Intent
No guidance for future caregivers
Priceless — but urgent
a Letter of Intent documents your child's needs, routines, and preferences so future caregivers can provide continuity of care
Cost of a single planning mistake
Loss of all benefits
vs
Sema Legacy annual cost
$349/year

There's no fixing a direct inheritance after the fact — benefits are lost the moment money hits your child's account. One assessment takes 6 minutes and shows you exactly what's at risk.

Document Vault
Store, organize, and AI-analyze your important documents

Upload your will, trust, insurance policies, and healthcare directives. Sema Legacy keeps them organized by topic — and AI reads them to flag what's outdated or missing.

Secure upload — PDF, images, Word
AI document analysis
Smart document checklist
Organized by topic
Never shared with third parties  ·  Included with your plan
Free Assessment

Make Sure Your Child Is Truly Protected

You've worked hard to provide for their future. Don't let a planning gap undo it. It takes 4 minutes and costs nothing.

Start My Free Special Needs Assessment →

4 minutes  ·  No signup  ·  Not a sales pitch

Educational Use Only. Sema Legacy provides educational information, not legal advice. Special needs planning law is complex and varies by state. Always work with a qualified special needs planning attorney for decisions affecting your child.