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A special needs trust (SNT) allows you to meet your needs
while receiving government benefits, such as Medicaid and Supplemental Security
Income (SSI). When you have a special needs trust, you can use it to pay for
goods and services government benefits do not cover, such as therapy,
education, housing, and travel.
Since receiving income directly from your trust would
jeopardize your eligibility for benefits, your trustee cannot give you cash
from your SNT. When you use a credit card for permitted transactions, and your
trustee pays off the balance with funds from your trust, these payments to a
credit card company are not considered income. An SSI or Medicaid recipient who
is capable of managing their own affairs can therefore use a credit card to
make small purchases, and the trustee of the special needs trust need not
micromanage every transaction.
In the past, beneficiaries of SNTs sent their bills to their
trustees for payment. Today, an individual with an SNT who qualifies for a
personal credit card may find that using a credit card is more convenient.
Credit cards have several benefits. Using a credit card to
manage payments from your special needs trust allows you to maintain
independence, gain access to some of the advantages of a credit card, and
easily keep records while preserving your eligibility for Medicaid and SSI.
Although credit cards can help people manage their special
needs trusts, there are also several important restrictions and considerations
to keep in mind. Consult with a special needs planner to ensure all
transactions are acceptable under the trust's rules and comply with government
regulations.
The Benefits of Using Credit Cards When You Have a Special Needs Trust
If you have a special needs trust, using a credit card has
many benefits, including:
Considerations When Using a Credit Card for Your Special
Needs Trust
While you can use a credit card to access funds from your
special needs trust for certain transactions, restrictions apply. If your
trustee sees a charge on your card that could affect your benefits eligibility,
they can flag it for review.
Best Practices
When using a credit card for a special needs trust fund,
remember several best practices.
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draft documents; we ensure you make informed and empowered decisions about life
and death, for yourself and the people you love. That’s why we offer a Life and
Legacy Planning Session, during which you will get more financially organized
than you’ve ever been before, and make all the best choices for the people you
love. You can begin by calling our office today to schedule a Life
and Legacy Planning Session and mention this article to find out how to get
this $750 session at no charge. Please note this is educational content
only and is not intended to act as legal
advice.
The books listed below are shared as helpful suggestions for family caregivers. While they are available for purchase on Amazon and other retailers, Seniors Blue Book does not endorse any specific title or author, nor do we receive compensation for listings. Our goal is simply to offer resources that may provide guidance, support, and comfort to those navigating the caregiving journey.1. The Caregivers Survival Handbook: How to Care for Your Aging Parent Without Losing Yourself by Alexis AbramsonFocus: Practical guidance and emotional support for caregivers balancing their own needs with the demands of caregiving.Why It's Helpful: This book helps caregivers maintain their well-being while managing the responsibilities of caring for an aging loved one.2. The 36-Hour Day: A Family Guide to Caring for People Who Have Alzheimer Disease, Related Dementias, and Memory Loss by Nancy L. Mace & Peter V. RabinsFocus: Alzheimer's care and dementia-related conditions.Why It's Helpful: A highly recommended resource for caregivers of individuals with Alzheimer's or other types of dementia. It offers practical advice on day-to-day care and understanding these conditions.3. Taking Care of the Caregiver: A Guide to Finding Balance in the Midst of Caregiving by Mary Ann ORourkeFocus: Stress management, self-care, and maintaining balance.Why It's Helpful: This book provides caregivers with techniques for managing stress and preventing burnout, which is vital for sustaining long-term caregiving.4. Caring for a Loved One with Dementia: A Mindful Caregivers Guide by Suzanne R. BarchersFocus: Mindfulness-based caregiving strategies for dementia care.Why It's Helpful: Emphasizes the importance of mindfulness for caregivers, helping them stay calm and connected while caring for those with dementia.5. When the Time Comes: Families with Aging Parents Share Their Struggles and Solutions by Paula SpanFocus: Personal stories from families navigating the caregiving journey.Why It's Helpful: This book offers real-life examples and advice from families who have been through the challenges of caregiving, making it relatable and practical.6. The Family Caregivers Manual: A Practical Guide to Caregiving by Caroline D. G. ArvidsonFocus: General caregiving tips and strategies.Why It's Helpful: A practical guide that covers various aspects of caregiving, including managing care routines, financial planning, and dealing with family dynamics.7. Elder Care Made Easier: Doctor Marions 10 Steps to Help You Care for an Aging Loved One by Marion SomersFocus: Step-by-step caregiving advice for aging loved ones.Why It's Helpful: Offers clear and concise steps to handle common challenges caregivers face, with advice from an expert in the field of aging and caregiving.8. The Caregivers Guide to Self-Care: 12 Strategies for Getting the Support You Need to Care for Your Aging Parent by Dr. Anna S. JohnsonFocus: Strategies for caregivers to take care of themselves while caring for others.Why It's Helpful: This book emphasizes self-care techniques and offers strategies to prevent burnout, which is common among family caregivers.9. What to Do When Im Gone: A Mothers Wisdom to Her Daughter by Susan OConnellFocus: Planning for the future, especially for caregiving for elderly parents.Why It's Helpful: A guide to making plans for the care of elderly parents and finding peace of mind when transitioning into this role.10. How to Care for Aging Parents by Virginia MorrisFocus: Comprehensive caregiving strategies and legal/financial planning.Why It's Helpful: Covers a broad range of topics that caregivers face, from legal considerations to managing medical care, making it a comprehensive resource.
On April 25, 2025, the city of Tyler, Texas, embraced a powerful and joyful message: Old People Are Cool. Held at Oak Hills Terrace Memory Care, the inaugural Old People Are Cool Day brought together residents, caregivers, and members of the wider community to honor the vitality, wisdom, and lifelong contributions of senior citizens. The event was more than just a celebrationit was a statement. As part of the growing Old People Are Cool movement, which began in 2021, the day sought to challenge ageist stereotypes and promote a culture of respect, inclusivity, and admiration for older adults. Rather than viewing aging as a decline, the campaign aims to reframe it as a vibrant, meaningful, and essential stage of life. At its core, the initiative stands against the quiet but damaging effects of ageismassumptions and biases that often sideline older people, making them feel invisible or unimportant. The Old People Are Cool movement turns that narrative on its head by shining a spotlight on seniors as dynamic individuals with rich histories, evolving dreams, and much to teach the younger generations. The Tyler event marked a public and communal affirmation of this philosophy. The energy at Oak Hills Terrace was electric. Music, laughter, storytelling, and multigenerational conversations echoed through the halls and outdoor areas. The celebration included engaging activities tailored to residents and guests alike, ranging from arts and crafts to dancing, games, and personal tributes. The mood was festive but also deeply meaningfulan intentional pause in daily life to celebrate those who have helped shape families, communities, and institutions. Sarah Klepfer, the organizer behind the event, played a key role in making Old People Are Cool Day an official part of the citys calendar. Through her efforts, a local proclamation was made to formally recognize the day, adding a civic stamp to what many already knew: seniors are a treasure, not a burden. Attendees expressed both gratitude and inspiration. For the older adults, the day served as a rare opportunity to feel publicly seen and celebrated. For younger community members and volunteers, it offered a fresh perspectiveone that emphasized connection, curiosity, and the wisdom that can only come from experience. The event also highlighted the need to strengthen intergenerational bonds. When older and younger people interact meaningfully, it helps dispel myths on both sides and nurtures a sense of continuity and mutual respect. By creating an event that welcomed families, students, and neighbors, the organizers helped build a stronger, more empathetic community. Old People Are Cool Day stands out not just for its cheerful tone, but for its deeper cultural purpose. In a society that often elevates youth and overlooks aging, this celebration encourages everyone to reflect on the full arc of human lifeand to recognize the inherent dignity and uniqueness in every stage. It calls on us to ask: What kind of society do we want to live in? One that silences its elders, or one that listens to them? Tylers embrace of this event could serve as a model for other cities. The success of the celebration suggests that many people are hungry for a new way to engage with agingone that honors legacy without reducing seniors to a single identity. Aging is not a punchline or a decline; it is a journey of growth, resilience, and continued relevance. As the sun set on April 25, the smiles and stories shared during the day lingered in the hearts of those who attended. For many, it wasnt just a nice eventit was a necessary one. It reminded everyone that aging is not something to be pitied or hidden, but something to be respected, shared, and yes, celebrated. With this years event making such a strong impact, its likely that Old People Are Cool Day will become a staple of Tylers cultural calendar in the years to come. And if its message spreadsas it shouldit could help rewrite how America sees and treats its senior citizens, one city at a time. After all, old people aren't just cooltheyre essential.
At 82 years old, Domenic Stellato isnt slowing downhes speeding up. In a display that stunned spectators and inspired athletes of all ages, Stellato took home gold in the 100-meter dash for the 80-and-over age group at the prestigious Penn Relays. The event, which unfolded in the middle of a torrential downpour, showcased not just elite athleticism, but an unshakable spirit. The Penn Relays, held annually in Philadelphia, are one of the oldest and most storied track and field meets in the world, attracting elite competitors across all age groups. But this year, all eyes turned to an unlikely star: a local octogenarian who sprinted into history. Stellato, a Philadelphia native, clocked an astonishing 16.02 seconds in the 100 metersan achievement remarkable not only for his age, but for the brutal weather conditions that plagued the meet that day. Rain poured relentlessly onto Franklin Field, drenching competitors and soaking the track, yet Stellato powered forward with focused determination. What makes this feat even more impressive is that it wasnt just a casual, ceremonial jog. Stellato ran to winand he did. Competing in the Masters Mens 100m Dash for athletes 80 and older, he left fellow competitors behind, establishing himself as one of the fastest men in his age bracket. The victory was met with cheers from the stands and admiration from across the track and field world. For Stellato, this was not a novelty but a continuation of a lifelong dedication to athletics. While many his age may have long since retired from physical activity, he has maintained a consistent fitness routine, staying agile, strong, and mentally focused. He regularly participates in track events and has earned a reputation in the masters athletics community as someone who brings both humility and ferocity to the competition. His Penn Relays performance is a compelling counter-narrative to the common assumptions about aging. In a society that often equates age with decline, Stellatos sprinting form tells a different story: one of perseverance, discipline, and the enduring capability of the human body when nurtured with care. It's a reminder that passion doesnt have an expiration dateand neither does excellence. Footage of Stellato's run quickly went viral, circulating on social media platforms where fans and fellow athletes celebrated his grit. Comments poured in, ranging from awe to motivation, with many younger viewers admitting theyd be lucky to match that speed even now. For many, seeing someone in his 80s run with such powerthrough wind and rainwas more than impressive; it was transformative. Stellatos victory also brings attention to the growing world of masters athletics. Designed for older competitors, these events promote healthy aging and provide an outlet for lifelong athletes to continue doing what they love. Far from being mere exhibitions, these races are intensely competitive and often feature rigorous training and preparation. Domenic Stellato exemplifies the high bar these athletes set and the passion that drives them. The race also highlighted something more universal: the idea that physical limits are often mental ones. Stellatos performance is a call to reconsider what is truly possible with dedication, discipline, and love for the craft. Even as many his age are dealing with the limitations of old age, he is defying expectationsrunning toward goals while most are slowing down. Perhaps the most moving part of Stellatos story is not just the time on the stopwatch but the look on his face as he crossed the finish line: fierce, proud, and undeterred. Its an expression shared by champions of all ages, from Olympic gold medalists to first-time racers. Its the face of victoryearned, not given. In the days following the event, Stellato has become something of a local legend, drawing admiration from the Philadelphia community and beyond. Though he may be modest about the attention, his achievement will resonate long after the track dries. Hes not just racing against competitors; hes racing against time, doubt, and complacencyand winning. As the crowd dispersed and the rain finally let up, one thing became clear: Domenic Stellato didnt just win a racehe made a statement. Age may catch up to all of us eventually, but for now, Domenic is still outpacing it.
Comprehensive Special Needs Estate Planning & Special Needs Trusts in PennsylvaniaEstate planning for families with special needs children presents a unique set of financial, legal, and healthcare challenges that require the expertise of a special needs planning attorney. Not all estate planning lawyers understand the intricacies involved, but the experienced special needs estate planning attorneys at Entrusted Legacy Law are dedicated to ensuring your child with special needs is fully protected when you are no longer able to serve as their primary caregiver.We provide a full range of estate planning services tailored to families with special needs children in Pennsylvania. Our goal is to help you preserve assets for your childs future care while ensuring they remain eligible for essential government benefits like Medicaid and Supplemental Security Income (SSI). We assist in setting up special needs trusts (SNTs) to safeguard financial resources, appointing legal guardians and trustees, and identifying long-term care options to ensure your child receives the best possible support and housing solutions.Special Needs Trusts & Asset ProtectionOne of the most significant challenges in special needs financial planning is ensuring that your child has adequate resources without jeopardizing their eligibility for public assistance programs. Many families unknowingly risk disqualifying their child from essential benefits by leaving them a direct financial inheritance. Instead, the best strategy is to establish a special needs trust to provide financial security while preserving their access to Medicaid, SSI, and other government assistance programs.A properly structured special needs trust allows funds to be used for supplemental expensessuch as medical care, therapy, education, and personal carewithout affecting eligibility for disability benefits. However, the regulations governing these trusts are complex. Funds must be managed by a designated trustee and cannot be distributed directly to the beneficiary, as this could trigger disqualification from public benefits. Additionally, a child's needs evolve over time, making it critical to have a trust that can adapt to changing circumstances and legal requirements.By working with an experienced Pennsylvania special needs attorney, you can ensure that your childs special needs trust is legally sound, structured correctly, and customized to their specific requirements.Special Needs Planning for Families in PennsylvaniaAt Entrusted Legacy Law, we specialize in estate planning for children with disabilities, including Down syndrome, autism, cerebral palsy, and other developmental or intellectual disabilities. Our firm helps families create a comprehensive life care plan that provides financial security while safeguarding access to government benefits and essential support services.Whether you need help establishing a special needs trust, securing a legal guardian, or planning for long-term care and housing, our Pennsylvania special needs planning attorneys are here to guide you through every step of the process.Contact Entrusted Legacy Law today to start creating a sustainable, secure future for your child with special needs.
Pennsylvania Probate: What You Need to Know After the Passing of a Loved OneIf you are here to learn about Pennsylvania probate laws after the passing of a loved one, we first want to extend our sincere condolences. We understand that this is a difficult time, and we hope the information on this page provides clarity and helps minimize the legal and administrative challenges you may otherwise face.What Is Probate in Pennsylvania?Probate in Pennsylvania is a court-supervised legal process that ensures the transfer of assets from a deceased individual to their rightful heirs or beneficiaries. This process is essential for: Proving the validity of a will Appointing an executor (if there is a will) or an administrator (if there is no will) Inventorying and appraising estate property Paying outstanding debts, estate taxes, and creditors Distributing assets as directed by the willor by Pennsylvania intestacy laws if no will existsIn Pennsylvania, if a deceased person owned real estate or assets solely in their name, their estate must go through probate before assets can be legally distributed.The Downsides of Pennsylvania Probateand What You Can Do NextMany residents in Allegheny County, Butler County, Beaver County, Washington County, and Westmoreland County have heard that probate is a lengthy, expensive, and public process. Unfortunately, this is truewithout proper estate planning, probate can be costly and time-consuming.The best way to avoid probate in Pennsylvania is to plan ahead using strategies such as revocable living trusts, beneficiary designations, and joint ownership structures. However, if you are already in a position where probate is required, the best thing you can do is educate yourself and seek experienced probate legal assistance to complete the process as efficiently and cost-effectively as possible.How Is a Probate Case Started in Pennsylvania?Probate can be initiated by any beneficiary or creditor, but most often, the process begins when the Executor named in the will files the original will and a petition with the Pennsylvania probate court.If there is no will, a close relative of the deceased (such as a spouse, child, or sibling) typically files the petition to become the Administrator of the Estate.Choosing the Executor for a Pennsylvania EstateIf a valid will exists, the individual named as Executor will handle the probate processif they are eligible and willingIf no Executor is available or no will exists, any interested party (such as a family member) can petition the Pennsylvania Orphans' Court to be appointed as the Administrator of the Estate.Executor Compensation in PennsylvaniaUnder Pennsylvania probate law, Executors and Administrators receive compensation based on a percentage of the total probate estate value. This is designed to fairly compensate them for their time and effort in managing estate matters.However, Executors can be held personally liable for any mistakes made during the process. Given the complexity of Pennsylvania probate rules, its critical to work with a skilled probate attorney to avoid legal pitfalls.Do You Need to Go Through Probate If a Trust Exists?In most cases, no. If the deceaseds assets were properly titled in the name of a trust, probate is not required. Instead, the successor trustee will work with an estate planning lawyer to administer the trust and distribute assets.However, many families are surprised to learn that simply having a trust does not guarantee that probate will be avoided. Common mistakes include: The trust was not updated over time to reflect new assets. The decedents assets were never properly transferred into the trust.To ensure your estate plan works as intended, its important to work with an estate planning attorney who provides ongoing trust maintenance and reviews.Which Assets Are Subject to Probate in Pennsylvania?Assets that must go through probate include: Real estate, bank accounts, or investments owned solely in the deceaseds name Personal property and valuable assets without a beneficiary designationAssets that bypass probate include: Jointly owned property with Right of Survivorship Bank accounts or investment accounts with Transfer on Death (TOD) or Payable on Death (POD) designations Life insurance policies and retirement accounts with named beneficiariesHowever, some assets that normally bypass probate can still become subject to the process under certain circumstances. Consult with a Pennsylvania probate attorney to determine if probate applies to your specific situation.How Pennsylvania Intestacy Laws Distribute an Estate When There Is No WillIf no valid will exists, Pennsylvania intestacy laws dictate how the estate will be distributed:1 Spouse (If married, a portion or all of the estate goes to the spouse)2 Children (If the deceased had children, they inherit next)3 Parents (If there are no children, parents inherit)4 Siblings (If no spouse, children, or parents, siblings inherit)This highlights the importance of estate planningwithout a will or trust, the state determines who receives your assets.How Long Does Pennsylvania Probate Take?The timeline for Pennsylvania probate varies depending on the estates complexity. On average: Minimum of 12 months for simple cases Up to 2+ years for complex estates, disputes, or tax-related mattersWhat Are the Costs of Probate in Pennsylvania?Probate costs in Pennsylvania include: Attorneys fees (Based on estate size and complexity) Court filing fees Executor fees (set by Pennsylvania law) Appraisal and valuation fees Publication and administrative costsIn more complex estates, additional fees may apply, increasing probate expenses and delays.How to Choose the Right Pennsylvania Probate AttorneySelecting the right probate lawyer in Pennsylvania is crucial. Many general practice lawyers dabble in probate law, but only experienced probate attorneys have the knowledge to navigate complex estate matters efficiently. You do NOT have to use the attorney who prepared the will. You have the right to choose a specialized probate lawyer who understands the nuances of Pennsylvania estate law and can expedite the process. Avoid costly mistakes. Working with an experienced probate attorney prevents errors that could increase costs, cause delays, or result in legal disputes.Contact Entrusted Legacy Law for a Complimentary Pennsylvania Probate ConsultationIf youre ready to begin the probate process in Pennsylvania, our Allegheny County and Butler County probate attorneys are here to guide you.Call us at 412-347-1731 to schedule a complimentary 15-minute consultation to determine your next best steps.During your consultation, we will: Answer your probate-related questions Provide guidance on estate administration Help you navigate the Pennsylvania probate process efficientlyWe are here to relieve the legal and administrative burden during this difficult time and ensure that your loved ones estate is handled with care.
Estate Planning for Everyone You Love and Everything You OwnHave you ever considered what would happenlegally and financiallyto you, your family, your assets, and everything you care about if the unexpected were to occur?If your estate plan is outdated or non-existent, your assets could be lost to the State Department of Unclaimed Property, subjected to an expensive and time-consuming probate process, or even end up in the wrong hands. Without a comprehensive estate plan, your loved ones may face unnecessary financial hardship, legal disputes, or court intervention at a time when they need certainty and protection the most.If you dont know exactly what would happen to everything you own and everyone you love, the first step is to gain clarity. You need to understand how your current estate plan (or lack thereof) will impact your family so you can make informed decisions about whether it truly aligns with your wishes.How Entrusted Legacy Law Helps You With Estate PlanningWe offer customized estate planning solutions designed to protect your family, preserve your wealth, and ensure your wishes are honored. Through our Life and Legacy Planning Session, we take the time to educate you on the legal, financial, and personal implications of your estate choices.Step 1: The Life and Legacy Inventory & AssessmentBefore your Life and Legacy Planning Session, you will complete a comprehensive estate inventory that outlines your financial assets, real estate holdings, retirement accounts, life insurance policies, and other valuable property. This step ensures that we have a full picture of your estate and can identify potential gaps in your asset protection strategy.Step 2: Creating a Personalized Estate PlanIf you decide that your current estate plan is inadequateor if you dont have one at allwe will work together to design a legally sound and strategically structured estate plan that meets your familys unique needs. The foundation of your estate plan will often include a revocable living trust, which allows you to transfer your assets into the trust while maintaining control during your lifetime.Benefits of a Revocable Living Trust: Avoid Probate Prevents the time-consuming and expensive court process that could otherwise delay asset distribution. Minimize Estate Taxes Helps reduce tax liabilities and protect your wealth for future generations. Ensure Privacy Unlike a will, which becomes public record, a trust ensures your estate remains private. Maintain Control Dictate how and when your assets are distributed to your heirs.For families with complex financial portfolios, business ownership, or special circumstances (such as blended families or special needs children), we offer advanced estate planning strategies tailored to your specific goals.Can You DIY Your Estate Plan?Many people wonder if they can create an estate plan using online templates or generic legal services. Unfortunately, most DIY estate plans fail when families need them the most. What often passes for "estate planning" is nothing more than basic document generation, where you answer a few questions and receive a generic template that may not fully protect your assets or your loved ones. No Personalization A generic template cannot address your unique family dynamics, financial situation, or specific legal concerns. Legal Loopholes Improperly structured wills or trusts may be contested in court, leaving your family in legal disputes. No Ongoing Maintenance Estate laws change, and without updates, your plan may become outdated and ineffective.At Entrusted Legacy Law, we dont just draft documentswe provide comprehensive estate planning services that ensure your estate plan actually works when it matters most. We take the time to understand your familys needs, educate you on your options, and create a legally enforceable, tax-efficient, and conflict-free estate plan that gives you peace of mind.Protecting Families & Minor Children Through Estate PlanningIf you are a parent with young children, your estate plan should begin with a solid foundation that ensures your children will always be taken care of, no matter what happens. Without the proper legal protections in place, your children could end up in the custody of someone you wouldnt have chosenor worse, under state guardianship.At Entrusted Legacy Law, we specialize in estate planning for families with minor children. We help parents:Name Legal Guardians Ensure your children are raised by trusted individuals of your choosing.Set Up Trusts for Minor Children Prevent financial mismanagement by appointing a responsible trustee to oversee assets.Establish Emergency Plans Provide clear instructions for immediate care in case of sudden incapacity or death.Whether youre planning for minor children, adult dependents, elderly parents, or a complex estate, we can guide you through the estate planning process with personalized strategies to protect your familys future.Secure Your Legacy With Entrusted Legacy LawEstate planning isnt just about who gets whatits about ensuring that your loved ones are financially secure, legally protected, and prepared for the future.If you want to create a comprehensive estate plan that reflects your wishes, avoids probate, minimizes taxes, and keeps your loved ones out of court and out of conflict, then now is the time to take action Contact Entrusted Legacy Law today to schedule your Life and Legacy Planning Session and take the first step in protecting your family, your assets, and your future.