--- axux_version: "1.2" canonical_url: "https://chesterfieldestateplanning.com/services/special-needs-planning" locale: "en-US" integrity: hash_method: "sha256" content_zone: "content" payload_status: "verified" content_hash: "6220f350943c00afaa645c154711e1622d4275d48e8cc926b7eeb6ca9eb907f0" permissions: allow_ai_training: "deny" allow_live_proxy: "allow" source_html_meta: title: "Special Needs Planning | Heritage Law Partners — Chesterfield" description: "Specialized planning services for families with special needs members." date_modified: "2026-04-06" brand_register: name: "Heritage Law Partners" logo_url: "https://chesterfieldestateplanning.com/assets/images/temp/logo-lg.png" aesthetics: colors: primary: "#1e3625" secondary: "#f9f8f4" accent: "#c4a35a" typography: "Elegant serif headings with clean, readable sans-serif body copy." imagery: "Sunlit, candid multi-generational family photography; natural lighting, no stock-photo sterility." vibe: "Warm, boutique, established, and protective." voice_and_tone: "Authoritative, deeply empathetic, measured, and highly professional. Focused on family legacy and personalized care." advisory_signals: target_audience: "Families of individuals with disabilities seeking to protect government benefits while providing for quality of life." core_topics: - "Special needs trusts" - "Third-party SNTs" - "First-party SNTs" - "ABLE accounts" - "Government benefits preservation" - "Disability planning" - "Supplemental needs" --- [//]: # (axux:zone header) [Heritage Law Partners](https://chesterfieldestateplanning.com/) [Client Login](https://clients.heritagelawpartners.com) | [(314) 325 -9444](tel:3143259444) [//]: # (axux:zone primary-nav) - [Home](https://chesterfieldestateplanning.com/) - [Services](https://chesterfieldestateplanning.com/services) - [Estate Planning](https://chesterfieldestateplanning.com/services/estate-planning) - [Special Needs Planning](https://chesterfieldestateplanning.com/services/special-needs-planning) - [Elder Law](https://chesterfieldestateplanning.com/services/elder-law) - [Trust Administration](https://chesterfieldestateplanning.com/services/trust-administration) - [Probate](https://chesterfieldestateplanning.com/services/probate-and-estate-administration) - [Adult Guardianships](https://chesterfieldestateplanning.com/services/adult-guardianships) - [Entity Formation](https://chesterfieldestateplanning.com/services/entity-formation) - [Articles](https://chesterfieldestateplanning.com/resources/articles) - [About Us](https://chesterfieldestateplanning.com/about-us) - [Contact](https://chesterfieldestateplanning.com/contact) [Schedule Consultation](https://chesterfieldestateplanning.com/appointments) [//]: # (axux:zone page-hero) # Special Needs Planning [//]: # (axux:zone content) ### Building a Bridge to a Secure Future When you love someone with a disability, planning for their future carries a weight that most families never have to consider. Who will care for them when you no longer can? How do you provide for their needs without jeopardizing the government benefits they depend on? How do you ensure their dignity, independence, and quality of life for a lifetime? At Heritage Law Partners, special needs planning is at the heart of what we do. We work with families across the St. Louis area to build comprehensive plans that go far beyond paperwork, creating a roadmap for your loved one's care, security, and well-being for the long term. ##### Understanding Special Needs Trusts A special needs trust allows families to set aside resources for a loved one with a disability without disqualifying them from essential government benefits like Medicaid or Supplemental Security Income (SSI). There are two primary types, each serving a distinct purpose. First-party special needs trusts are designed for adults with disabilities who have their own assets. They are often used when an individual receives a personal injury settlement, an inheritance that wasn't properly planned, or other funds that would otherwise disrupt their benefits eligibility. These trusts allow the individual to preserve those assets for supplemental needs while maintaining access to public programs. Third-party special needs trusts are established by parents, grandparents, or other loved ones for the benefit of a person with special needs. They allow families to set aside funds, whether during life or at death, to enhance their loved one's quality of life without putting their benefits at risk. ##### Special Needs Planning is More Than Benefits Protection Protecting government benefits is essential, but it is only one piece of a much larger picture. A lifetime of care requires a lifetime of planning. We work with families to address every aspect of their loved one's future, including: Continuity of care is often the greatest concern for parents and caregivers. We help you outline a detailed plan that ensures your loved one's needs will continue to be met when you are no longer able to provide care yourself, including identifying future caregivers, documenting daily routines, and preserving critical medical information. Quality of life is about more than meeting basic needs. A well-designed special needs trust can fund education, recreational activities, technology, personal items, and experiences that government benefits simply do not cover, giving your loved one the fullest life possible. Guardianship and decision-making require careful thought. We help you determine whether [guardianship](https://chesterfieldestateplanning.com/services/adult-guardianships) is necessary and, if so, guide you through choosing and legally designating the right guardian. When appropriate, we also explore less restrictive alternatives like supported decision-making. A letter of intent is one of the most valuable documents a family can create. This detailed guide provides future caregivers and trustees with essential information about your loved one's needs, preferences, routines, and the things that make them who they are. ##### Every Family's Journey is Different We recognize that no two families navigate disability the same way. Whether your loved one is a young child, a teenager transitioning to adulthood, or an adult who has relied on your care for decades, our attorneys work closely with you to understand their specific needs and build a plan that provides real protection and real peace of mind. If you are ready to start planning for your loved one's future, contact Heritage Law Partners today. We are here to help your family build a bridge to security that lasts a lifetime. ### Related Pages & Resources Explore our practice areas and resources to learn more about estate planning, special needs planning, and how Heritage Law Partners can help protect your family's future. - [About Us](https://chesterfieldestateplanning.com/about-us) - [Contact Us](https://chesterfieldestateplanning.com/contact) - [Articles](https://chesterfieldestateplanning.com/resources/articles) - [Client Login](https://clients.heritagelawpartners.com) - [Estate Planning](https://chesterfieldestateplanning.com/services/estate-planning) - [Special Needs Planning](https://chesterfieldestateplanning.com/services/special-needs-planning) - [Probate](https://chesterfieldestateplanning.com/services/probate-and-estate-administration) - [Trust Administration](https://chesterfieldestateplanning.com/services/trust-administration) - [Guardianships](https://chesterfieldestateplanning.com/services/adult-guardianships) #### Schedule a Consultation Take the first step towards comprehensive estate planning, special needs planning, or probate services with a personalized consultation with one of our attorneys. [Schedule Appointment](https://chesterfieldestateplanning.com/appointments) [//]: # (axux:zone related-articles) ### Latest Articles on Estate Planning, Elder Law, and Special Needs Planning - [Revocable Living Trust vs. Will: Which Does a Missouri Couple Actually Need?](https://chesterfieldestateplanning.com/resources/articles/revocable-living-trust-vs-will-which-does-a-missouri-couple-actually-need) — Most Missouri couples assume a will is enough. Learn when a revocable living trust makes more sense, what it actually does, and how to know which plan is right for your family. [Learn More](https://chesterfieldestateplanning.com/resources/articles/revocable-living-trust-vs-will-which-does-a-missouri-couple-actually-need) - [When Should You Update Your Trust? A Guide for Missouri Families](https://chesterfieldestateplanning.com/resources/articles/when-should-you-update-your-trust-a-guide-for-missouri-families) — A trust is not a one-and-done document. Learn which life events require an update, what goes wrong when families skip the review, and when to call your estate planning attorney. [Learn More](https://chesterfieldestateplanning.com/resources/articles/when-should-you-update-your-trust-a-guide-for-missouri-families) - [What Is a Special Needs Trust and How Does It Protect My Child’s Benefits?](https://chesterfieldestateplanning.com/resources/articles/what-is-a-special-needs-trust-and-how-does-it-protect-my-childs-benefits) — A special needs trust lets your child with a disability receive an inheritance without losing SSI or Medicaid. Learn the difference between first-party and third-party SNTs and how to choose the right one. [Learn More](https://chesterfieldestateplanning.com/resources/articles/what-is-a-special-needs-trust-and-how-does-it-protect-my-childs-benefits) [//]: # (axux:zone social-proof) > Eliana is the most helpful attorney I have ever worked with. She is always kind, and extremely efficient in what she does. She is wonderful attorney who will treat you with respect and get the job done right. > > — Heritage Law Partners Client [//]: # (axux:zone cta) #### Schedule a Consultation ## Get Experienced Guidance When It Matters Most Take the first step towards comprehensive estate planning, special needs planning, or probate services with a personalized consultation with one of our attorneys. [Schedule Appointment](https://chesterfieldestateplanning.com/appointments) [//]: # (axux:zone footer-nav) - [About Us](https://chesterfieldestateplanning.com/about-us) - [Contact Us](https://chesterfieldestateplanning.com/contact) - [Articles](https://chesterfieldestateplanning.com/resources/articles) - [Client Login](https://clients.heritagelawpartners.com) - [Estate Planning](https://chesterfieldestateplanning.com/services/estate-planning) - [Special Needs Planning](https://chesterfieldestateplanning.com/services/special-needs-planning) - [Probate](https://chesterfieldestateplanning.com/services/probate-and-estate-administration) - [Trust Administration](https://chesterfieldestateplanning.com/services/trust-administration) - [Guardianships](https://chesterfieldestateplanning.com/services/adult-guardianships) [//]: # (axux:zone footer) [Heritage Law Partners](https://chesterfieldestateplanning.com/) #### Addresses ###### Olivette Office 9666 Olive Blvd Suite 690 Olivette, MO 63132 ###### Chesterfield Office 400 Chesterfield Center Suite 400 Chesterfield, MO 63017 By Appointment Only #### Contacts ###### New Appointments [(314) 325-9444](tel:3143259444) ###### Existing Clients [(314) 788-9318](tel:3147889318) ###### Fax Number [(314) 333-6616](tel:3143336616) #### Our Firm Copyright ©2026 Heritage Law Partners, All Rights Reserved The choice of a lawyer is an important one and should not be based solely on advertising