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Families in Great Bend, Kansas often face a difficult challenge: how to provide for children or loved ones with disabilities without jeopardizing their eligibility for essential benefits like SSI and KanCare (Kansas Medicaid). The answer is a Special Needs Trust (SNT)—a legal tool that preserves benefits while ensuring long-term care and quality of life.
A Special Needs Trust holds funds for a disabled beneficiary, managed by a trustee. Funds can be used for:
Therapy and medical expenses not covered by insurance
Education, training, and employment support
Travel, recreation, and quality-of-life items
Transportation and adaptive equipment

Funded with the beneficiary’s own assets, such as an inheritance or settlement.
Must include a Medicaid payback clause at death.
Created by parents or grandparents for a loved one.
No Medicaid reimbursement required.
Commonly established as a sub-trust inside the parent’s living trust to ensure seamless planning.
Managed by nonprofits, with funds from multiple beneficiaries combined.

Why Sub-Trusts Are the Most Common Solution
For most Kansas families, the most effective way to set up an SNT is by creating a sub-trust within the parent’s own estate plan. This structure ensures that:
Inheritances automatically flow into the special needs sub-trust.
Benefits remain protected.
Trustees can follow detailed instructions tailored to the child’s needs.
Common Mistakes to Avoid
Leaving assets directly to the disabled individual.
Using beneficiary designations that bypass the trust.
Failing to educate trustees about distribution rules.
Our trust-first planning avoids these pitfalls.


Yes. A sub-trust in their own estate plan is often the best way.
No. It preserves eligibility while supplementing benefits.
Sometimes—but it must be done carefully to avoid reducing benefits.
Parents often start, but a trusted relative or professional trustee can be appointed later.
Call (316) 252-2233 for Experienced Medicaid & Estate Planning
Derby Office
111 N. Baltimore Ave Derby, KS 67037
Mon – Fri 9am to 5pm
Sat & Sun – Closed
Wichita Office
10300 W Central Ave Wichita, KS 67212
Mon – Fri 9am to 5pm
Sat & Sun – Closed
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