The differences between ABLE accounts and SNT Special Needs Trusts - prepared by Lili Vasileff

ABLE Account vs. Special Needs Trust (SNT)

ABLE accounts and SNTs are complementary tools — ABLE offers quick, tax advantaged access to $19,000/year for disability related expenses, while SNTs protect larger assets and cover supplemental needs without affecting Medicaid or SSI eligibility.

Key Differences

Purpose & Use

ABLE Account: Designed for individuals with a disability onset before age 26 (or age 46 under 2026 expansion) who receive SSI/SSDI or have a disability certification. Funds can be used for Qualified Disability Expenses (QDEs) like therapy, equipment, education, housing, transportation, and more.

SNT:
Protects assets from being counted in Medicaid/SSI means tests.
Covers supplemental needs (e.g., recreation, travel, personal items) not covered by public benefits. Can be first‑party (funded with the beneficiary’s own assets) or third‑party (funded by family/other assets).

Contribution Limits

ABLE:
Annual limit ~$19,000 (2026), total account cap ~$100K (SSI‑safe) 

SNT:
No annual or lifetime contribution limits.

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The differences between ABLE accounts and SNT Special Needs Trusts - prepared by Lili Vasileff
Articles

ABLE Account vs. Special Needs Trust (SNT)

ABLE accounts and SNTs are complementary tools — ABLE offers quick, tax advantaged access to $19,000/year for disability related expenses, while SNTs protect larger assets and cover supplemental needs without affecting Medicaid or SSI eligibility.

Read More »