Disability wealth management is a specialized financial planning service that focuses on helping individuals with disabilities—and their families—manage, protect, and grow their assets while maintaining eligibility for essential government benefits.

The money you receive from your settlement should last few more than just a few years. It should last the rest of your life. Planning will be a key part of making this happen. Disability wealth management not only applies a strategic approach to managing your investment but also considers the impact of our decisions on the benefits for which you likely qualify.

Special Needs Trusts (SNTs) are legal tools that allow individuals with disabilities to receive financial support without losing eligibility for government benefits like Medicaid or SSI. Funds in the trust can be used for expenses not covered by those benefits—such as education, therapy, or travel—while the trust legally owns the assets, not the individual. A trustee manages the funds and ensures they are used appropriately to enhance the beneficiary’s quality of life.

Yes. People on disability may qualify for government benefits, housing assistance, tax credits, and nonprofit support programs.

If you have a disability and want to make the most of your money—whether from income, a settlement, or inheritance—wealth management can help. It’s especially useful for protecting your assets, maintaining benefit eligibility, and planning for long-term needs.

Financial planning, access to benefits, adaptive tools, and supportive services can greatly enhance independence and well-being.

Different types of income can affect your Social Security Disability Insurance (SSDI) benefits in distinct ways: • Earned Income: If you earn income from work, it may impact your SSDI benefits if it exceeds the Substantial Gainful Activity (SGA) limit ($1,550/month for non-blind individuals in 2025). Earnings above this may lead to a suspension or termination of benefits after a trial work period. • Unearned Income: Income like investments, pensions, or gifts generally does not affect SSDI benefits, as SSDI is based on your work history and not your financial need. • Other Benefits: Receiving certain benefits, like workers’ compensation, may reduce your SSDI payment, but programs like Supplemental Security Income (SSI) or private disability insurance typically don’t impact SSDI.