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Apply For SSI Right After Age 18
- Apply for SSI the month after your child turns 18 if disability is likely to qualify.
- Prepare documentation and expect denials so plan appeals or hire an expert early.
Use A Special Needs Trust Correctly
- Use a properly drafted special needs trust to preserve SSI eligibility and provide benefits.
- Work with an estate attorney who understands trusts plus inherited IRA rules to avoid costly mistakes.
Roth Conversions For Lifelong Stretching
- Roth conversions move taxable retirement money into tax-free accounts for your disabled beneficiary.
- Prioritize Roth conversions because a disabled beneficiary can often stretch inherited Roth benefits over their lifetime.