What happens if a beneficiary becomes incapacitated, or develops a mental or physical disorder that would affect their ability or competency to function on their own? There are of course many government assistance programs in place to help with these situations, but many government benefits are on a “needs” basis. If someone in this situation were to receive a large lump sum inheritance, that may very well disqualify them from getting the government assistance they need, losing a great deal of government benefits that now would have to be paid personally with out of pocket family funds. However, with proper planning,  using a trust, the beneficiary could receive the inheritance over time, as well as still qualifying for the government aid. Let us help you plan for the best scenario for your family.