You are probably like many of our clients who desire to bulletproof their children’s inheritance from creditors and predators. A catastrophic illness can wipe out a child’s inheritance overnight. If your child has or should develop special needs in the future (such as mental or physical disabilities), you MUST plan ahead. One asset-protection strategy is to create a Supplemental Needs Trust, sometimes called a Special Needs Trust. This strategy ensures that government-benefit eligibility is preserved while at the same time allowing a child’s inheritance to increase their quality of life by meeting their supplemental needs. This strategy can be implemented now or added to your current estate planning documents as a precautionary measure.