Special Needs Trust · SSA POMS Compliance · SSI/Medicaid Preservation

One wrong distribution
can suspend your child’s
SSI and Medicaid

SNT checks every distribution against SSA POMS rules before you spend a dollar — flagging in-kind support (shelter), resource limit violations, and unearned-income risks that could suspend means-tested benefits.

See how the rules work →
✓POMS cited exact SSA regulation on every check
✓Pre-check before you spend, not after
✓ABLE $20K annual contribution tracker
SSI Pre-Check · Distribution Safety Scan

Trust — Alex Johnson (d4A)

First-Party SNT · Rule Library v2026.02
🛡
All distributions safe
No ISM impact · SSI payment preserved
✅
Medical co-pay (non-ISM)
POMS SI 01120.201
✅
Education course (non-ISM)
POMS SI 01120.200
⚠️
Rent paid directly to landlord
ISM — shelter
✅
Transportation (Uber)
Non-ISM service
ABLE Account — 2026 Contribution Limit
$3,200 used of $20,000 annual limit
18%

Compliance standards we meet

✓SSA POMS SI 01120.200ff (SNT distributions)✓POMS SI 01120.201 (ISM rules)✓42 U.S.C. §1396p(d)(4)(A) (SNT statute)✓ABLE Act (15 USC §302 et seq.)✓Local-first encrypted vault
Why SNT

Rent paid straight to the landlord
can reduce SSI by one-third

Under SSA POMS rules, distributing trust funds for shelter counts as In-Kind Support and Maintenance (ISM) — which can reduce the beneficiary’s SSI payment by up to one-third. Food is no longer ISM (SSA EM-24048). SNT flags these before you spend.

01 · Check

Pre-check every distribution

Before logging a distribution, the system checks it against SSA POMS rules — flagging ISM risk, resource limit impact, and SSI reduction potential.

02 · Cite

POMS section citations

Every flag cites the exact POMS section (SI 01120.200ff) so you can verify the rule yourself or show it to a benefits counselor.

03 · Track

ABLE + trust together

Track ABLE account contributions against the $20,000 annual limit, and coordinate distributions between the SNT and ABLE for maximum benefit preservation.

How it works

From distribution to documented in four steps

No benefits counselor required — just check before you spend.

01

Set up the trust

Enter trust type (first-party d4A, third-party, pooled d4C, or ABLE) and beneficiary info. The system loads the correct rule set.

02

Pre-check a distribution

Enter what you want to spend money on (medical, education, shelter, etc.). The system checks against POMS rules instantly.

03

Review the flags

See which distributions are safe, which have ISM risk, and which could affect SSI. Each flag cites the POMS section.

04

Record & report

Log the distribution with its compliance status. Generate an annual accounting report for the trust.

POMS
SI 01120.200ff rules built in
$20,000
ABLE annual contribution tracker
Pre-check
Before you spend, not after
4 trust types
d4A, third-party, pooled, ABLE
Pricing

One license per trust — annual license

Free pre-check first · no credit card · all plans include POMS compliance checking and annual accounting PDF.

Annual — Family Plan
$99 / yr

Per trust, per beneficiary. Full access to pre-check, POMS compliance, ABLE tracker, succession binder, and annual accounting PDF.

Free
Free

Every feature unlocked during the 14-day trial. Annual accounting PDF requires a license after the trial. Try the full workflow before paying.

See full plan comparison →

Recording is always free · Annual license activates at purchase · Payments by Creem (Merchant of Record)

Before your next distribution,
check the POMS rules first

Run a free pre-check on your next trust distribution — see if it’s safe before you spend.