Individuals with disabilities who receive means-tested government benefits are disqualified from such benefits if they exceed asset or income limits. Living within these meager limits can be quite burdensome, especially for those without family support. Estate planners often draft special needs trusts (SNTs) to supplement, but not supplant, public benefits without affecting eligibility. While SNTs can be excellent planning tools, they are not the only option. Most states offer ABLE accounts—savings accounts that provide tax-free growth for individuals with disabilities without affecting eligibility for Medicaid, Supplemental Security Income (SSI) or other means-tested benefits.