Financial Planning & Special Needs Trusts

ABLE Accounts

Achieving a Better Life Experience (ABLE) Act – ABLE accounts help individuals with disabilities save money in tax-exempt accounts to pay for qualified expenses, without being taxed on the earnings – and in most cases, without losing eligibility for certain means-tested benefit programs, including eligibility for federal public benefits.

Link: ABLEnow – Frequently Asked Questions
Link: ABLE Programs – Find Your Best Fit by State

ABLE National Resource Center

Providing families with resources from disability organizations nationwide. Bringing together the investment, support and resources of national disability organizations.
Website: ABLE National Resource Center
Link: Delaware ABLE


Providing tax-advantaged ABLE savings accounts for individuals with disabilities. The ABLEnow program is administered by the Virginia College Savings Plan.
Website: ABLEnow

Delaware CarePlan

Assisting parents and guardians ensure their family members with special needs can continue to lead a safe and meaningful life. DCP develops with families a personalized care plan and establishes a special needs trust without making him or her ineligible for crucial government benefits like Medicaid and SSI.
Website: Delaware CarePlan

Financial Literacy for Students with Disabilities

Resources and tips for students to develop the necessary financial life skills for living independently.
Link: Financial Literacy for Students with Disabilities

First Hand Foundation

Providing funding for individual children with health-related needs when insurance and other financial resources have been exhausted.
Website: First Hand Foundation

Guides for Managing Someone Else’s Money

Guides for people in four different fiduciary capacities: agents under a power of attorney, court-appointed guardians, trustees, and government fiduciaries (Social Security representative payees and VA fiduciaries).
Link: Guides for Managing Someone Else’s Money

Kelly Anne Dolan Memorial Fund

Providing financial assistance for needs not covered by insurance, respite programs, non-cash items, and more to families living or seeking treatment in Pennsylvania, New Jersey, and Delaware.
Website: Kelly Anne Dolan Memorial Fund

Law Offices of Kevin O’Brien

Providing assistance with Special Needs Trusts and Division of Vocational Rehabilitation assessments.
LinkKevin OBrien Law – Special Needs Trust
Contact: Paul O’Brien, Attorney at Law (302) 888-2707  

Social Security Admin Program Operations Manual System (POMS)

POMS provides an introduction to Medicaid trust exceptions and information on how to create a trust that complies with Social Security and Medicaid rules.
Link: Social Security Program Operation Manual System

United Healthcare Children’s Foundation Grants

UHCCF grants provide financial help/assistance for families with children that have medical needs not covered or partially covered by their health insurance plan. The Foundation aims to fill the gap between what medical services/items a child needs and what their health benefit plan will pay for.

Link: UHCCF Grants – for additional information and grant application.