Dear Liz: You recently answered an inquiry from a lady who was furious about the lack of estate planning provided by her brother-in-law for his disabled daughter. As the father of a special needs child, I read the synopsis hoping that a special needs trust was created and maybe was just not known by the sister-in-law. This would explain why the father had, in essence, disowned his own daughter. I hope you will make an addendum to your answer highlighting this very important tool for others like us to ensure our loved ones are cared for after our passing.

Answer: A special needs trust is an estate planning tool that can help disabled people continue to qualify for government benefits such as Supplemental Security Income and Medicaid. The money can’t be given directly to the disabled person but can be spent on her behalf in a variety of ways such as paying out-of-pocket medical expenses or providing vacations. Anyone thinking of leaving a bequest to a disabled person should be aware that the money could disqualify the recipient from essential resources and consider a special needs trust instead.

If the attorneys were aware of the father’s disabled daughter, as the writer suggested, they most likely would have mentioned the possibility of creating such a trust. The sister-in-law said everything had been left to the surviving spouse, so presumably she had seen a copy of the will or trust. If not, she could ask the attorneys for the document on behalf of the daughter.

Remember, though, that the 29-year-old daughter hadn’t been signed up for disability or medical benefits until the sister-in-law intervened. The young woman had not seen a doctor since her mother died more than a decade earlier. She also was kicked out of her childhood home by the man’s surviving spouse. This does not paint a picture of a caring father who wanted to provide for his daughter.