Whether you are planning for a child, sibling, or parent, the structure must be precise. Pennsylvania and federal rules around SSI, Medicaid, and Medical Assistance waiver programs leave no room for guesswork.
Third-party vs. first-party SNTs
A third-party SNT is funded with someone else's assets (typically a parent's) and has no Medicaid payback at the beneficiary's death. A first-party SNT (also called a (d)(4)(A) trust) is funded with the beneficiary's own assets — often a personal-injury settlement — and Medicaid must be repaid from what's left.
Integration with the broader plan
We coordinate the SNT with retirement-account beneficiary designations, life insurance, and the rest of the family estate plan so the trust is actually funded the way it needs to be.