What Can I buy?

While there are limits, a Special Needs Trust is lot more flexible than you may think.

We would love to provide a comprehensive list of items that a Special Needs Trust can pay for. Unfortunately, the federal and state regulations that govern how a Special Needs Trust can be used are so complex that it is impossible to draft an all-inclusive list of what goods and services you can and cannot purchase.

We are providing the following list simply to give you an idea how you may be able to use your trust. It doesn't include everything, as we oftentimes pay for goods and services that do not appear on this list. By the same token, just because an item appears on the list does not mean that it will always be allowable or will be allowable in your situation. Different states have different regulations. Some states are lenient on Special Needs Trust usage, and some states are severely strict. Special Needs Integrity monitors the national trends regarding Special Needs Trust usage, as well as the specific idiosyncrasies of each state. Here is a sampling of types of goods and services that Special Needs Trusts routinely pay for:

Services
- cable TV
- cell phone services
- internet services
- maid services
- insurance payments
- hair care
- transportation
- entertainment expenses
- eye and dental care
- attendant care
- tuition to camps, classes, etc.
- athletic or other recreational league fees
- auto repair/maintenance
- pet grooming/veterinarian bills
- rehabilitation
- travel expenses
- attorney/accountant/financial planning fees
- music lessons
- therapeutic massages
- home modifications/home improvements
- field trips/day trips, etc.
- seminar expenses
- modifications to make vehicle handicap accessible
- concerts, movies, sporting events, etc.
- HVAC services

Goods
- vehicles
- clothing
- furniture
- personal care items
- television/stereo, etc.
- mattress/box springs
- eyeglasses/contacts
- vacations
- hobby supplies
- toys
- essential dietary needs
- computers/software
- pets/pet supplies
- prepaid funeral expenses**
- washer/dryer
- guitar, musical instrument, etc.
- household products
- tools/supplies, etc.
- kitchen appliances/tools
- outdoor grill
- games
- school tuition
- gasoline
- household appliances

Please Note: If the beneficiary is a minor, certain restrictions may apply. Please contact our office for further information.

In some circumstances, we may also be able to help individuals fulfill their parental obligations to their minor children, paying for school fees, clothing, child support, etc. Again, what we can and cannot pay for is dictated exclusively by federal regulations and the regulations in your specific state.


** Due to federal guidelines found in the Center for Medicaid/Medicare Services transmittals and SSA's P.O.M.S. manual, we cannot pay for a Beneficiary’s funeral or other financial liabilities after he or she has passed away.

Download What Can I Buy information in a convenient PDF file

Go to ~ Frequently asked questions (FAQs)




The National Foundation for Special Needs Integrity, Inc. is a public charity tax-exempt pursuant to §501(c)(3) of the Internal Revenue Code. Donations to The National Foundation for Special Needs Integrity, Inc. are tax deductible.