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.elementor-element.elementor-element-553b503 > .elementor-widget-container{padding:15px 15px 15px 15px;border-radius:0px 0px 0px 0px;}.elementor-5498 .elementor-element.elementor-element-553b503 .elementor-icon-list-items:not(.elementor-inline-items) .elementor-icon-list-item:not(:last-child){padding-block-end:calc(0px/2);}.elementor-5498 .elementor-element.elementor-element-553b503 .elementor-icon-list-items:not(.elementor-inline-items) .elementor-icon-list-item:not(:first-child){margin-block-start:calc(0px/2);}.elementor-5498 .elementor-element.elementor-element-553b503 .elementor-icon-list-items.elementor-inline-items .elementor-icon-list-item{margin-inline:calc(0px/2);}.elementor-5498 .elementor-element.elementor-element-553b503 .elementor-icon-list-items.elementor-inline-items{margin-inline:calc(-0px/2);}.elementor-5498 .elementor-element.elementor-element-553b503 .elementor-icon-list-items.elementor-inline-items 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.elementor-element.elementor-element-edf3d4f{--e-icon-list-icon-size:20px;--icon-vertical-offset:0px;}.elementor-5498 .elementor-element.elementor-element-edf3d4f .elementor-icon-list-item > .elementor-icon-list-text, .elementor-5498 .elementor-element.elementor-element-edf3d4f .elementor-icon-list-item > a{font-family:"Montserrat", Sans-serif;font-size:18px;font-weight:500;}.elementor-5498 .elementor-element.elementor-element-edf3d4f .elementor-icon-list-text{color:#7AA63C;transition:color 0.3s;}.elementor-5498 .elementor-element.elementor-element-7d42b6a{margin-top:5px;margin-bottom:5px;}.elementor-5498 .elementor-element.elementor-element-75b84dc:not(.elementor-motion-effects-element-type-background) > .elementor-widget-wrap, .elementor-5498 .elementor-element.elementor-element-75b84dc > .elementor-widget-wrap > .elementor-motion-effects-container > .elementor-motion-effects-layer{background-color:#FFFFFF;}.elementor-5498 .elementor-element.elementor-element-75b84dc > .elementor-element-populated{transition:background 0.3s, border 0.3s, border-radius 0.3s, box-shadow 0.3s;margin:8px 8px 8px 8px;--e-column-margin-right:8px;--e-column-margin-left:8px;}.elementor-5498 .elementor-element.elementor-element-75b84dc > .elementor-element-populated > .elementor-background-overlay{transition:background 0.3s, border-radius 0.3s, opacity 0.3s;}.elementor-5498 .elementor-element.elementor-element-4075049 > .elementor-widget-container{padding:15px 15px 15px 15px;border-radius:0px 0px 0px 0px;}.elementor-5498 .elementor-element.elementor-element-4075049 .elementor-icon-list-items:not(.elementor-inline-items) .elementor-icon-list-item:not(:last-child){padding-block-end:calc(0px/2);}.elementor-5498 .elementor-element.elementor-element-4075049 .elementor-icon-list-items:not(.elementor-inline-items) .elementor-icon-list-item:not(:first-child){margin-block-start:calc(0px/2);}.elementor-5498 .elementor-element.elementor-element-4075049 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a{font-family:"Montserrat", Sans-serif;font-size:18px;font-weight:500;}.elementor-5498 .elementor-element.elementor-element-4075049 .elementor-icon-list-text{color:#7AA63C;transition:color 0.3s;}.elementor-5498 .elementor-element.elementor-element-3e9bc41:not(.elementor-motion-effects-element-type-background) > .elementor-widget-wrap, .elementor-5498 .elementor-element.elementor-element-3e9bc41 > .elementor-widget-wrap > .elementor-motion-effects-container > .elementor-motion-effects-layer{background-color:#FFFFFF;}.elementor-5498 .elementor-element.elementor-element-3e9bc41 > .elementor-element-populated{transition:background 0.3s, border 0.3s, border-radius 0.3s, box-shadow 0.3s;margin:8px 8px 8px 8px;--e-column-margin-right:8px;--e-column-margin-left:8px;}.elementor-5498 .elementor-element.elementor-element-3e9bc41 > .elementor-element-populated > .elementor-background-overlay{transition:background 0.3s, border-radius 0.3s, opacity 0.3s;}.elementor-5498 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.elementor-element.elementor-element-a09ef10 > .elementor-container{min-height:612px;}.elementor-5498 .elementor-element.elementor-element-a09ef10{padding:0px 20px 0px 20px;}.elementor-5498 .elementor-element.elementor-element-e3e578d{font-size:60px;}.elementor-5498 .elementor-element.elementor-element-4e0311e{padding:50px 20px 50px 20px;}.elementor-5498 .elementor-element.elementor-element-a325fa6{text-align:center;}.elementor-5498 .elementor-element.elementor-element-76ede4f > .elementor-element-populated{padding:25px 0px 0px 0px;}.elementor-5498 .elementor-element.elementor-element-caef96b{text-align:center;}.elementor-5498 .elementor-element.elementor-element-cfda6c1 > .elementor-element-populated{padding:25px 0px 0px 0px;}.elementor-5498 .elementor-element.elementor-element-785a38f{text-align:center;}.elementor-5498 .elementor-element.elementor-element-fdafe64{padding:30px 10px 30px 10px;}.elementor-5498 .elementor-element.elementor-element-e5478b6 .elementor-icon-box-wrapper{text-align:center;}.elementor-5498 .elementor-element.elementor-element-7beca29{text-align:center;}.elementor-5498 .elementor-element.elementor-element-2923f10 .elementor-icon-box-wrapper{text-align:center;}.elementor-5498 .elementor-element.elementor-element-4ff0763{text-align:center;}.elementor-5498 .elementor-element.elementor-element-ac735ff .elementor-icon-box-wrapper{text-align:center;}.elementor-5498 .elementor-element.elementor-element-eb01a8c{text-align:center;}.elementor-5498 .elementor-element.elementor-element-51cf712 > .elementor-element-populated{margin:10px 10px 10px 10px;--e-column-margin-right:10px;--e-column-margin-left:10px;padding:20px 20px 20px 20px;}.elementor-5498 .elementor-element.elementor-element-3e099a2 .elementor-icon-box-wrapper{text-align:center;}.elementor-5498 .elementor-element.elementor-element-c06cad5{text-align:justify;}.elementor-5498 .elementor-element.elementor-element-b8d8068 > .elementor-element-populated{margin:10px 10px 10px 10px;--e-column-margin-right:10px;--e-column-margin-left:10px;}.elementor-5498 .elementor-element.elementor-element-a8cd01a .elementor-icon-box-wrapper{text-align:center;}.elementor-5498 .elementor-element.elementor-element-5296b48{text-align:center;}.elementor-5498 .elementor-element.elementor-element-e162be6 > .elementor-element-populated{margin:10px 10px 10px 10px;--e-column-margin-right:10px;--e-column-margin-left:10px;}.elementor-5498 .elementor-element.elementor-element-3b58151 .elementor-icon-box-wrapper{text-align:center;}.elementor-5498 .elementor-element.elementor-element-bcc5cec{text-align:justify;}.elementor-5498 .elementor-element.elementor-element-a360f09 .elementor-heading-title{font-size:40px;}.elementor-5498 .elementor-element.elementor-element-e679134 .elementor-icon-box-wrapper{text-align:center;}.elementor-5498 .elementor-element.elementor-element-a6f1710{text-align:center;}.elementor-5498 .elementor-element.elementor-element-59968b1 > .elementor-element-populated{margin:-75px 0px 0px 0px;--e-column-margin-right:0px;--e-column-margin-left:0px;}.elementor-5498 .elementor-element.elementor-element-fe8d7cf .elementor-heading-title{font-size:40px;}.elementor-5498 .elementor-element.elementor-element-a4376ae > .elementor-element-populated{margin:10px 10px 22px 10px;--e-column-margin-right:10px;--e-column-margin-left:10px;padding:20px 20px 20px 20px;}.elementor-5498 .elementor-element.elementor-element-97ccef4{text-align:justify;}.elementor-5498 .elementor-element.elementor-element-188471a{margin-top:18px;margin-bottom:0px;}.elementor-5498 .elementor-element.elementor-element-71caeb2 > .elementor-widget-container{padding:0px 0px 0px 0px;}.elementor-5498 .elementor-element.elementor-element-29b8f92 > .elementor-widget-container{padding:0px 0px 0px 0px;}.elementor-5498 .elementor-element.elementor-element-0a238b9 > .elementor-widget-container{padding:0px 0px 0px 0px;}.elementor-5498 .elementor-element.elementor-element-3e19853 > .elementor-widget-container{padding:0px 0px 0px 0px;}}@media(min-width:1025px){.elementor-5498 .elementor-element.elementor-element-5e33cb5:not(.elementor-motion-effects-element-type-background), .elementor-5498 .elementor-element.elementor-element-5e33cb5 > .elementor-motion-effects-container > .elementor-motion-effects-layer{background-attachment:fixed;}.elementor-5498 .elementor-element.elementor-element-188471a:not(.elementor-motion-effects-element-type-background), .elementor-5498 .elementor-element.elementor-element-188471a > .elementor-motion-effects-container > .elementor-motion-effects-layer{background-attachment:fixed;}.elementor-5498 .elementor-element.elementor-element-92ce48a:not(.elementor-motion-effects-element-type-background), .elementor-5498 .elementor-element.elementor-element-92ce48a > .elementor-motion-effects-container > .elementor-motion-effects-layer{background-attachment:fixed;}.elementor-5498 .elementor-element.elementor-element-f4754d4:not(.elementor-motion-effects-element-type-background), .elementor-5498 .elementor-element.elementor-element-f4754d4 > .elementor-motion-effects-container > .elementor-motion-effects-layer{background-attachment:fixed;}.elementor-5498 .elementor-element.elementor-element-6c42dbb8:not(.elementor-motion-effects-element-type-background), .elementor-5498 .elementor-element.elementor-element-6c42dbb8 > .elementor-motion-effects-container > .elementor-motion-effects-layer{background-attachment:fixed;}.elementor-5498 .elementor-element.elementor-element-c62df99:not(.elementor-motion-effects-element-type-background), .elementor-5498 .elementor-element.elementor-element-c62df99 > .elementor-motion-effects-container > .elementor-motion-effects-layer{background-attachment:fixed;}}
101.elementor-9570 .elementor-element.elementor-element-1485bdb{z-index:0;}.elementor-9570 .elementor-element.elementor-element-c292348 > .elementor-element-populated{margin:0px 0px 0px 0px;--e-column-margin-right:0px;--e-column-margin-left:0px;padding:0px 0px 0px 0px;}.elementor-9570 .elementor-element.elementor-element-c292348{z-index:0;}.elementor-9570 .elementor-element.elementor-element-7b1fca7{z-index:9999999;}#elementor-popup-modal-9570 .dialog-widget-content{animation-duration:0.9s;box-shadow:2px 8px 23px 3px rgba(0,0,0,0.2);margin:70px 0px 70px 0px;}#elementor-popup-modal-9570{background-color:rgba(0,0,0,.8);justify-content:center;align-items:center;pointer-events:all;}#elementor-popup-modal-9570 .dialog-message{width:580px;height:auto;padding:010px 0px 10px 0px;}#elementor-popup-modal-9570 .dialog-close-button{display:flex;}@media(max-width:767px){#elementor-popup-modal-9570 .dialog-message{width:318px;padding:10px 10px 10px 10px;}}
101
102.elementor-1966 .elementor-element.elementor-element-6871115 > .elementor-container > .elementor-column > .elementor-widget-wrap{align-content:center;align-items:center;}.elementor-1966 .elementor-element.elementor-element-6871115 > .elementor-container{min-height:80px;}.elementor-widget-image .widget-image-caption{color:var( --e-global-color-text );font-family:var( --e-global-typography-text-font-family ), Sans-serif;font-weight:var( --e-global-typography-text-font-weight );}.elementor-1966 .elementor-element.elementor-element-38a44c7 > .elementor-widget-container{margin:0px 0px 0px 0px;}.elementor-1966 .elementor-element.elementor-element-38a44c7{text-align:start;}.elementor-1966 .elementor-element.elementor-element-38a44c7 img{width:100%;max-width:100%;height:73px;object-fit:contain;object-position:center center;}.elementor-widget-nav-menu .elementor-nav-menu .elementor-item{font-family:var( --e-global-typography-primary-font-family ), Sans-serif;font-weight:var( --e-global-typography-primary-font-weight );}.elementor-widget-nav-menu .elementor-nav-menu--main .elementor-item{color:var( --e-global-color-text );fill:var( --e-global-color-text );}.elementor-widget-nav-menu .elementor-nav-menu--main .elementor-item:hover,
103					.elementor-widget-nav-menu .elementor-nav-menu--main .elementor-item.elementor-item-active,
104					.elementor-widget-nav-menu .elementor-nav-menu--main .elementor-item.highlighted,
105					.elementor-widget-nav-menu .elementor-nav-menu--main .elementor-item:focus{color:var( --e-global-color-accent );fill:var( --e-global-color-accent );}.elementor-widget-nav-menu .elementor-nav-menu--main:not(.e--pointer-framed) .elementor-item:before,
106					.elementor-widget-nav-menu .elementor-nav-menu--main:not(.e--pointer-framed) .elementor-item:after{background-color:var( --e-global-color-accent );}.elementor-widget-nav-menu .e--pointer-framed .elementor-item:before,
107					.elementor-widget-nav-menu .e--pointer-framed .elementor-item:after{border-color:var( --e-global-color-accent );}.elementor-widget-nav-menu{--e-nav-menu-divider-color:var( --e-global-color-text );}.elementor-widget-nav-menu .elementor-nav-menu--dropdown .elementor-item, .elementor-widget-nav-menu .elementor-nav-menu--dropdown  .elementor-sub-item{font-family:var( --e-global-typography-accent-font-family ), Sans-serif;font-weight:var( --e-global-typography-accent-font-weight );}.elementor-1966 .elementor-element.elementor-element-2c407be .elementor-menu-toggle{margin-left:auto;background-color:rgba(0,0,0,0);border-width:0px;border-radius:0px;}.elementor-1966 .elementor-element.elementor-element-2c407be .elementor-nav-menu .elementor-item{font-size:15px;font-weight:500;}.elementor-1966 .elementor-element.elementor-element-2c407be .elementor-nav-menu--main .elementor-item{color:#DB9E33;fill:#DB9E33;padding-top:13px;padding-bottom:13px;}.elementor-1966 .elementor-element.elementor-element-2c407be .elementor-nav-menu--main .elementor-item:hover,
108					.elementor-1966 .elementor-element.elementor-element-2c407be .elementor-nav-menu--main .elementor-item.elementor-item-active,
109					.elementor-1966 .elementor-element.elementor-element-2c407be .elementor-nav-menu--main .elementor-item.highlighted,
110					.elementor-1966 .elementor-element.elementor-element-2c407be .elementor-nav-menu--main .elementor-item:focus{color:#7AA63C;fill:#7AA63C;}.elementor-1966 .elementor-element.elementor-element-2c407be .elementor-nav-menu--main:not(.e--pointer-framed) .elementor-item:before,
111					.elementor-1966 .elementor-element.elementor-element-2c407be .elementor-nav-menu--main:not(.e--pointer-framed) .elementor-item:after{background-color:#7AA63C;}.elementor-1966 .elementor-element.elementor-element-2c407be .e--pointer-framed .elementor-item:before,
112					.elementor-1966 .elementor-element.elementor-element-2c407be .e--pointer-framed .elementor-item:after{border-color:#7AA63C;}.elementor-1966 .elementor-element.elementor-element-2c407be .e--pointer-framed .elementor-item:before{border-width:5px;}.elementor-1966 .elementor-element.elementor-element-2c407be .e--pointer-framed.e--animation-draw .elementor-item:before{border-width:0 0 5px 5px;}.elementor-1966 .elementor-element.elementor-element-2c407be .e--pointer-framed.e--animation-draw .elementor-item:after{border-width:5px 5px 0 0;}.elementor-1966 .elementor-element.elementor-element-2c407be .e--pointer-framed.e--animation-corners .elementor-item:before{border-width:5px 0 0 5px;}.elementor-1966 .elementor-element.elementor-element-2c407be .e--pointer-framed.e--animation-corners .elementor-item:after{border-width:0 5px 5px 0;}.elementor-1966 .elementor-element.elementor-element-2c407be .e--pointer-underline .elementor-item:after,
113					 .elementor-1966 .elementor-element.elementor-element-2c407be .e--pointer-overline .elementor-item:before,
114					 .elementor-1966 .elementor-element.elementor-element-2c407be .e--pointer-double-line .elementor-item:before,
115					 .elementor-1966 .elementor-element.elementor-element-2c407be .e--pointer-double-line .elementor-item:after{height:5px;}.elementor-1966 .elementor-element.elementor-element-2c407be .elementor-nav-menu--dropdown a, .elementor-1966 .elementor-element.elementor-element-2c407be .elementor-menu-toggle{color:#DB9E33;fill:#DB9E33;}.elementor-1966 .elementor-element.elementor-element-2c407be .elementor-nav-menu--dropdown{background-color:#f2f2f2;}.elementor-1966 .elementor-element.elementor-element-2c407be .elementor-nav-menu--dropdown a:hover,
116					.elementor-1966 .elementor-element.elementor-element-2c407be .elementor-nav-menu--dropdown a:focus,
117					.elementor-1966 .elementor-element.elementor-element-2c407be .elementor-nav-menu--dropdown a.elementor-item-active,
118					.elementor-1966 .elementor-element.elementor-element-2c407be .elementor-nav-menu--dropdown a.highlighted,
119					.elementor-1966 .elementor-element.elementor-element-2c407be .elementor-menu-toggle:hover,
120					.elementor-1966 .elementor-element.elementor-element-2c407be .elementor-menu-toggle:focus{color:#7AA63C;}.elementor-1966 .elementor-element.elementor-element-2c407be .elementor-nav-menu--dropdown a:hover,
121					.elementor-1966 .elementor-element.elementor-element-2c407be .elementor-nav-menu--dropdown a:focus,
122					.elementor-1966 .elementor-element.elementor-element-2c407be .elementor-nav-menu--dropdown a.elementor-item-active,
123					.elementor-1966 .elementor-element.elementor-element-2c407be .elementor-nav-menu--dropdown a.highlighted{background-color:#ededed;}.elementor-1966 .elementor-element.elementor-element-2c407be .elementor-nav-menu--dropdown .elementor-item, .elementor-1966 .elementor-element.elementor-element-2c407be .elementor-nav-menu--dropdown  .elementor-sub-item{font-size:15px;}.elementor-1966 .elementor-element.elementor-element-2c407be div.elementor-menu-toggle{color:#000000;}.elementor-1966 .elementor-element.elementor-element-2c407be div.elementor-menu-toggle svg{fill:#000000;}.elementor-1966 .elementor-element.elementor-element-2c407be div.elementor-menu-toggle:hover, .elementor-1966 .elementor-element.elementor-element-2c407be div.elementor-menu-toggle:focus{color:#00ce1b;}.elementor-1966 .elementor-element.elementor-element-2c407be div.elementor-menu-toggle:hover svg, .elementor-1966 .elementor-element.elementor-element-2c407be div.elementor-menu-toggle:focus svg{fill:#00ce1b;}.elementor-1966 .elementor-element.elementor-element-2c407be{--nav-menu-icon-size:25px;}.elementor-1966 .elementor-element.elementor-element-93b2889:not(.elementor-motion-effects-element-type-background), .elementor-1966 .elementor-element.elementor-element-93b2889 > .elementor-motion-effects-container > .elementor-motion-effects-layer{background-color:transparent;background-image:linear-gradient(221deg, var( --e-global-color-accent ) 0%, #7AA63C 100%);}.elementor-1966 .elementor-element.elementor-element-93b2889{transition:background 0.3s, border 0.3s, border-radius 0.3s, box-shadow 0.3s;margin-top:0px;margin-bottom:0px;}.elementor-1966 .elementor-element.elementor-element-93b2889 > .elementor-background-overlay{transition:background 0.3s, border-radius 0.3s, opacity 0.3s;}.elementor-1966 .elementor-element.elementor-element-9451f69 > .elementor-element-populated{transition:background 0.3s, border 0.3s, border-radius 0.3s, box-shadow 0.3s;margin:0px 0px 0px 0px;--e-column-margin-right:0px;--e-column-margin-left:0px;}.elementor-1966 .elementor-element.elementor-element-9451f69 > .elementor-element-populated > .elementor-background-overlay{transition:background 0.3s, border-radius 0.3s, opacity 0.3s;}.elementor-widget-text-editor{font-family:var( --e-global-typography-text-font-family ), Sans-serif;
123font-weight:var( --e-global-typography-text-font-weight );color:var( --e-global-color-text );}.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:var( --e-global-color-primary );}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap, .elementor-widget-text-editor.elementor-drop-cap-view-default .elementor-drop-cap{color:var( --e-global-color-primary );border-color:var( --e-global-color-primary );}.elementor-1966 .elementor-element.elementor-element-2285c5f > .elementor-widget-container{margin:0px 0px -18px 0px;padding:9px 0px 9px 0px;}.elementor-1966 .elementor-element.elementor-element-2285c5f{text-align:center;font-family:"Montserrat", Sans-serif;font-size:16px;font-weight:500;color:#FFFFFF;}.elementor-1966 .elementor-element.elementor-element-2285c5f a{color:#FFFFFF;}.elementor-theme-builder-content-area{height:400px;}.elementor-location-header:before, .elementor-location-footer:before{content:"";display:table;clear:both;}@media(min-width:768px){.elementor-1966 .elementor-element.elementor-element-6ef10ad{width:14%;}.elementor-1966 .elementor-element.elementor-element-e570916{width:86%;}}@media(max-width:1024px){.elementor-1966 .elementor-element.elementor-element-6871115{padding:30px 20px 30px 20px;}.elementor-1966 .elementor-element.elementor-element-2c407be .elementor-nav-menu--main > .elementor-nav-menu > li > .elementor-nav-menu--dropdown, .elementor-1966 .elementor-element.elementor-element-2c407be .elementor-nav-menu__container.elementor-nav-menu--dropdown{margin-top:45px !important;}}@media(max-width:767px){.elementor-1966 .elementor-element.elementor-element-6871115{padding:20px 0px 20px 20px;}.elementor-1966 .elementor-element.elementor-element-6ef10ad{width:50%;}.elementor-1966 .elementor-element.elementor-element-38a44c7 > .elementor-widget-container{margin:0px 0px 0px 0px;}.elementor-1966 .elementor-element.elementor-element-38a44c7{text-align:start;}.elementor-1966 .elementor-element.elementor-element-38a44c7 img{width:100%;height:78px;}.elementor-1966 .elementor-element.elementor-element-e570916{width:35%;}.elementor-1966 .elementor-element.elementor-element-2c407be .elementor-nav-menu--main > .elementor-nav-menu > li > .elementor-nav-menu--dropdown, .elementor-1966 .elementor-element.elementor-element-2c407be .elementor-nav-menu__container.elementor-nav-menu--dropdown{margin-top:35px !important;}}
124.elementor-1961 .elementor-element.elementor-element-fe304bb{border-style:solid;border-width:3px 0px 0px 0px;border-color:#DB9E33;padding:50px 0px 50px 0px;}.elementor-1961 .elementor-element.elementor-element-a8efa4b > .elementor-element-populated{margin:0% 10% 0% 0%;--e-column-margin-right:10%;--e-column-margin-left:0%;}.elementor-widget-image .widget-image-caption{color:var( --e-global-color-text );font-family:var( --e-global-typography-text-font-family ), Sans-serif;font-weight:var( --e-global-typography-text-font-weight );}.elementor-1961 .elementor-element.elementor-element-2b1700f{width:var( --container-widget-width, 102.642% );max-width:102.642%;--container-widget-width:102.642%;--container-widget-flex-grow:0;text-align:start;}.elementor-1961 .elementor-element.elementor-element-2b1700f img{width:239px;max-width:100%;height:100px;}.elementor-widget-text-editor{font-family:var( --e-global-typography-text-font-family ), Sans-serif;font-weight:var( --e-global-typography-text-font-weight );color:var( --e-global-color-text );}.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:var( --e-global-color-primary );}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap, .elementor-widget-text-editor.elementor-drop-cap-view-default .elementor-drop-cap{color:var( --e-global-color-primary );border-color:var( --e-global-color-primary );}.elementor-1961 .elementor-element.elementor-element-3253416{width:initial;max-width:initial;font-size:14px;font-weight:normal;line-height:1.8em;color:#7AA63C;}.elementor-1961 .elementor-element.elementor-element-6b6d08e{--grid-template-columns:repeat(0, auto);width:100%;max-width:100%;--icon-size:14px;
124--grid-column-gap:5px;--grid-row-gap:0px;}.elementor-1961 .elementor-element.elementor-element-6b6d08e > .elementor-widget-container{margin:0px 0px 0px 0px;}.elementor-1961 .elementor-element.elementor-element-6b6d08e .elementor-social-icon{background-color:#DB9E33;--icon-padding:0.9em;}.elementor-1961 .elementor-element.elementor-element-6b6d08e .elementor-social-icon i{color:#FFFFFF;}.elementor-1961 .elementor-element.elementor-element-6b6d08e .elementor-social-icon svg{fill:#FFFFFF;}.elementor-widget-heading .elementor-heading-title{font-family:var( --e-global-typography-primary-font-family ), Sans-serif;font-weight:var( --e-global-typography-primary-font-weight );color:var( --e-global-color-primary );}.elementor-1961 .elementor-element.elementor-element-7fdef73 .elementor-heading-title{font-size:18px;font-weight:500;color:#DB9E33;}.elementor-1961 .elementor-element.elementor-element-bf2d609{color:#3AAF7D;margin-top:30px;margin-bottom:0px;}.elementor-1961 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.elementor-element.elementor-element-742c595e > .elementor-element-populated, .elementor-6485 .elementor-element.elementor-element-742c595e > .elementor-element-populated > .elementor-background-overlay, .elementor-6485 .elementor-element.elementor-element-742c595e > .elementor-background-slideshow{border-radius:100px 0100px 0px 0px;}.elementor-6485 .elementor-element.elementor-element-742c595e > .elementor-element-populated > .elementor-background-overlay{transition:background 0.3s, border-radius 0.3s, opacity 0.3s;}.elementor-widget-heading .elementor-heading-title{font-family:var( --e-global-typography-primary-font-family ), Sans-serif;font-weight:var( --e-global-typography-primary-font-weight );color:var( --e-global-color-primary );}.elementor-6485 .elementor-element.elementor-element-52f64afa > .elementor-widget-container{margin:20px 0px 0px 0px;}.elementor-6485 .elementor-element.elementor-element-52f64afa{text-align:center;}.elementor-6485 .elementor-element.elementor-element-52f64afa .elementor-heading-title{font-family:"Montserrat", Sans-serif;font-size:20px;font-weight:600;font-style:normal;}.elementor-widget-text-editor{font-family:var( --e-global-typography-text-font-family ), Sans-serif;
756font-weight:var( --e-global-typography-text-font-weight );color:var( --e-global-color-text );}.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:var( --e-global-color-primary );}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap, .elementor-widget-text-editor.elementor-drop-cap-view-default .elementor-drop-cap{color:var( --e-global-color-primary );border-color:var( --e-global-color-primary );}.elementor-6485 .elementor-element.elementor-element-3351c01c > .elementor-widget-container{margin:0px 0px -10px 0px;padding:0px 20px 0px 020px;}.elementor-6485 .elementor-element.elementor-element-3351c01c{text-align:center;font-family:"Montserrat", Sans-serif;font-weight:400;font-style:normal;}.elementor-widget-button .elementor-button{background-color:var( --e-global-color-accent );font-family:var( --e-global-typography-accent-font-family ), Sans-serif;font-weight:var( --e-global-typography-accent-font-weight );}.elementor-6485 .elementor-element.elementor-element-4d38c274 > .elementor-widget-container{margin:0px 0px 040px 0px;}.elementor-6485 .elementor-element.elementor-element-4d38c274 .elementor-button{font-family:"Montserrat", Sans-serif;font-weight:500;font-style:normal;border-radius:20px 20px 20px 20px;}</style>		<section class="elementor-section elementor-top-section elementor-element elementor-element-a09ef10 elementor-section-height-min-height elementor-section-content-bottom elementor-section-stretched elementor-section-items-top elementor-section-boxed elementor-section-height-default" data-id="a09ef10" data-element_type="section" data-e-type="section" data-settings="{&quot;background_background&quot;:&quot;classic&quot;,&quot;stretch_section&quot;:&quot;section-stretched&quot;}">
757							<div class="elementor-background-overlay"></div>
758							<div class="elementor-container elementor-column-gap-no">
759					<div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2b851b6" data-id="2b851b6" data-element_type="column" data-e-type="column">
760			<div class="elementor-widget-wrap elementor-element-populated">
761						<div class="elementor-element elementor-element-e3e578d elementor-widget__width-inherit elementor-widget elementor-widget-text-editor" data-id="e3e578d" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default">
762				<div class="elementor-widget-container">
763									<p>Able Account</p>								</div>
764				</div>
765					</div>
766		</div>
767					</div>
768		</section>
769				<section class="elementor-section elementor-top-section elementor-element elementor-element-4e0311e elementor-section-content-middle elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="4e0311e" data-element_type="section" data-e-type="section" data-settings="{&quot;stretch_section&quot;:&quot;section-stretched&quot;}">
770						<div class="elementor-container elementor-column-gap-no">
771					<div class="elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-d839899" data-id="d839899" data-element_type="column" data-e-type="column">
772			<div class="elementor-widget-wrap elementor-element-populated">
773						<div class="elementor-element elementor-element-a325fa6 elementor-widget elementor-widget-heading" data-id="a325fa6" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default">
774				<div class="elementor-widget-container">
775					<h3 class="elementor-heading-title elementor-size-default">Understanding ABLE Accounts</h3>				</div>
776				</div>
777				<div class="elementor-element elementor-element-a9a0aba elementor-widget-divider--view-line elementor-widget elementor-widget-divider" data-id="a9a0aba" data-element_type="widget" data-e-type="widget" data-widget_type="divider.default">
778				<div class="elementor-widget-container">
779							<div class="elementor-divider">
780			<span class="elementor-divider-separator">
781						</span>
782		</div>
783						</div>
784				</div>
785					</div>
786		</div>
787				<div class="elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-76ede4f" data-id="76ede4f" data-element_type="column" data-e-type="column">
788			<div class="elementor-widget-wrap elementor-element-populated">
789						<div class="elementor-element elementor-element-e3ed307 elementor-widget elementor-widget-image" data-id="e3ed307" data-element_type="widget" data-e-type="widget" data-widget_type="image.default">
790				<div class="elementor-widget-container">
791															<img decoding="async" width="740" height="404" src="https://www.specialneedstrustsonline.com/wp-content/uploads/2025/12/vecteez
791y_smiling-boy-in-wheelchair-at-accessible-playground_73861190-1024x559.webp" class="elementor-animation-grow attachment-large size-large wp-image-7687" alt="Special Needs Trusts Online - trust for vulnerable person - Supportive family moment with a disability caregiver, representing special disability trust planning for stability" srcset="https://www.specialneedstrustsonline.com/wp-content/uploads/2025/12/vecteezy_smiling-boy-in-wheelchair-at-accessible-playground_73861190-1024x559.webp 1024w, https://www.specialneedstrustsonline.com/wp-content/uploads/2025/12/vecteezy_smiling-boy-in-wheelchair-at-accessible-playground_73861190-300x164.webp 300w, https://www.specialneedstrustsonline.com/wp-content/uploads/2025/12/vecteezy_smiling-boy-in-wheelchair-at-accessible-playground_73861190-768x419.webp 768w, https://www.specialneedstrustsonline.com/wp-content/uploads/2025/12/vecteezy_smiling-boy-in-wheelchair-at-accessible-playground_73861190-1536x838.webp 1536w, https://www.specialneedstrustsonline.com/wp-content/uploads/2025/12/vecteezy_smiling-boy-in-wheelchair-at-accessible-playground_73861190-2048x1117.webp 2048w" sizes="100vw" />															</div>
792				</div>
793				<div class="elementor-element elementor-element-caef96b elementor-widget elementor-widget-text-editor" data-id="caef96b" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default">
794				<div class="elementor-widget-container">
795									<p>An ABLE Account is a simple and powerful savings tool designed specifically for individuals with disabilities. It allows someone to save money for everyday needs or future expenses, without losing eligibility for important government benefits</p>								</div>
796				</div>
797					</div>
798		</div>
799				<div class="elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-cfda6c1" data-id="cfda6c1" data-element_type="column" data-e-type="column">
800			<div class="elementor-widget-wrap elementor-element-populated">
801						<div class="elementor-element elementor-element-785a38f elementor-widget elementor-widget-text-editor" data-id="785a38f" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default">
802				<div class="elementor-widget-container">
803									<p>Earnings in an ABLE account grow tax-free, and funds can be used for a wide range of disability-related expenses.</p>								</div>
804				</div>
805				<div class="elementor-element elementor-element-18090b5 elementor-widget elementor-widget-image" data-id="18090b5" data-element_type="widget" data-e-type="widget" data-widget_type="image.default">
806				<div class="elementor-widget-container">
807															<img decoding="async" width="2560" height="1707" src="https://www.specialneedstrustsonline.com/wp-content/uploads/2025/12/vecteezy_ai-generated-young-disabled-boy-sitting-on-wheelchair-at_37442401-scaled.webp" class="elementor-animation-grow attachment-full size-full wp-image-7686" alt="Special Needs Trusts Online - trust for vulnerable person - Supportive family moment with a disability caregiver, representing special disability trust planning for stability" srcset="https://www.specialneedstrustsonline.com/wp-content/uploads/2025/12/vecteezy_ai-generated-young-disabled-boy-sitting-on-wheelchair-at_37442401-scaled.webp 2560w, https://www.specialneedstrustsonline.com/wp-content/uploads/2025/12/vecteezy_ai-generated-young-disabled-boy-sitting-on-wheelchair-at_37442401-300x200.webp 300w, https://www.specialneedstrustsonline.com/wp-content/uploads/2025/12/vecteezy_ai-generated-young-disabled-boy-sitting-on-wheelchair-at_37442401-1024x683.webp 1024w, https://www.specialneedstrustsonline.com/wp-content/uploads/2025/12/vecteezy_ai-generated-young-disabled-boy-sitting-on-wheelchair-at_37442401-768x512.webp 768w, https://www.specialneedstrustsonline.com/wp-content/uploads/2025/12/vecteezy_ai-generated-young-disabled-boy-sitting-on-wheelchair-at_37442401-1536x1024.webp 1536w, https://www.specialneedstrustsonline.com/wp-content/uploads/2025/12/vecteezy_ai-generated-young-disabled-boy-sitting-on-wheelchair-at_37442401-2048x1365.webp 2048w" sizes="100vw" />															</div>
808				</div>
809					</div>
810		</div>
811					</div>
812		</section>
813				<section class="elementor-section elementor-top-section elementor-element elementor-element-11e152f elementor-section-full_width elementor-section-stretched elementor-section-height-default elementor-section-height-default" data-id="11e152f" data-element_type="section" data-e-type="section" data-settings="{&quot;stretch_section&quot;:&quot;section-stretched&quot;}">
814						<div class="elementor-container elementor-column-gap-default">
815					<div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-39d9fcb" data-id="39d9fcb" data-element_type="column" data-e-type="column">
816			<div class="elementor-widget-wrap elementor-element-populated">
817						<div class="elementor-element elementor-element-1328b61 elementor-widget elementor-widget-html" data-id="1328b61" data-element_type="widget" data-e-type="widget" data-widget_type="html.default">
818				<div class="elementor-widget-container">
819					<style>
820  /* =========================================================================
821     ELIGIBILITY BLOCK  —  scoped entirely under .snt-elig (won't touch theme)
822     Palette: #DB9E33 gold · #7AA63C green (minimal) · #505050 ink · #fff paper
823     ========================================================================= */
824  .snt-elig{
825    --gold:#DB9E33; --gold-deep:#b9831f; --green:#7AA63C; --green-deep:#5f852c;
826    --ink:#505050; --ink-soft:#7a7a7a; --paper:#ffffff;
827    --line:#ece4d6; --wash:#faf6ee;
828    box-sizing:border-box; width:100%; margin:0 auto;
829    background:var(--paper);
830    border:1px solid var(--line); border-radius:18px;
831    box-shadow:0 18px 50px -30px rgba(80,80,80,.55);
832    color:var(--ink);
833    font-family:Arial,Helvetica,sans-serif;
834    overflow:hidden; position:relative;
835    -webkit-font-smoothing:antialiased;
836  }
837  .snt-elig *{box-sizing:border-box;}
838
839  /* ---- Header band ---- */
840  .snt-elig .se-head{
841    padding:clamp(22px,3.5vw,34px) clamp(20px,4vw,46px);
842    border-bottom:1px solid var(--line);
843    background:linear-gradient(180deg,var(--wash) 0%, #fff 100%);
844    position:relative;
845  }
846  .snt-elig .se-head::before{
847    content:""; position:absolute; left:0; top:0; bottom:0; width:6px;
848    background:var(--gold);
849  }
850  .snt-elig .se-kicker{
851    display:inline-block; font-size:12px; font-weight:800; letter-spacing:.18em;
852    text-transform:uppercase; color:var(--gold-deep); margin:0 0 8px;
853  }
854  .snt-elig .se-title{
855    margin:0; font-family:Georgia,'Times New Roman',serif; font-weight:700;
856    font-size:clamp(21px,3vw,30px); line-height:1.2; color:var(--ink);
857  }
858  .snt-elig .se-purpose{
859    margin:0; max-width:none; font-size:clamp(15px,1.7vw,17px);
860    line-height:1.65; color:var(--ink);
861  }
862
863  /* ---- Two-panel body ---- */
864  .snt-elig .se-grid{ display:grid; grid-template-columns:1fr 1fr; }
865  .snt-elig .se-panel{ padding:clamp(22px,3.2vw,36px) clamp(20px,3.4vw,40px); }
866  .snt-elig .se-panel--who{ background:#fff; }
867  .snt-elig .se-panel--when{ background:var(--wash); border-left:1px solid var(--line); }
868
869  .snt-elig .se-label{
870    display:flex; align-items:center; gap:10px; margin:0 0 18px;
871  }
872  .snt-elig .se-label .se-ic{
873    width:34px; height:34px; border-radius:9px; flex:none;
874    display:grid; place-items:center; color:#fff;
875  }
876  .snt-elig .se-panel--who  .se-ic{ background:var(--gold); }
877  .snt-elig .se-panel--when .se-ic{ background:var(--green); }
878  .snt-elig .se-ic svg{ width:19px; height:19px; }
879  .snt-elig .se-label h3{
880    margin:0; font-family:Georgia,'Times New Roman',serif;
881    font-size:clamp(16px,2vw,20px); font-weight:700; color:var(--ink); line-height:1.2;
882  }
883  .snt-elig .se-sub{
884    margin:-10px 0 18px 44px; font-size:15px; color:var(--ink-soft); font-style:italic;
885  }
886
887  /* ---- WHO list : check-circle qualifiers ---- */
888  .snt-elig .se-checks{ list-style:none; margin:0; padding:0; }
889  .snt-elig .se-checks li{
890    position:relative; padding:0 0 14px 34px; font-size:16.5px; line-height:1.55;
891    color:var(--ink);
892  }
893  .snt-elig .se-checks li:last-child{ padding-bottom:0; }
894  .snt-elig .se-checks li::before{
895    content:""; position:absolute; left:0; top:1px; width:21px; height:21px;
896    border-radius:50%; background:rgba(219,158,51,.14);
897    border:1.5px solid var(--gold);
898  }
899  .snt-elig .se-checks li::after{
900    content:""; position:absolute;
900 left:6.5px; top:6px; width:8px; height:4.5px;
901    border-left:2px solid var(--gold-deep); border-bottom:2px solid var(--gold-deep);
902    transform:rotate(-45deg);
903  }
904
905  /* ---- WHEN list : connected timeline of moments ---- */
906  .snt-elig .se-timeline{ list-style:none; margin:0; padding:0; position:relative; }
907  .snt-elig .se-timeline::before{
908    content:""; position:absolute; left:9px; top:6px; bottom:6px; width:2px;
909    background:linear-gradient(180deg,var(--green) 0%, rgba(122,166,60,.25) 100%);
910  }
911  .snt-elig .se-timeline li{
912    position:relative; padding:0 0 16px 34px; font-size:16.5px; line-height:1.55;
913    color:var(--ink);
914  }
915  .snt-elig .se-timeline li:last-child{ padding-bottom:0; }
916  .snt-elig .se-timeline li::before{
917    content:""; position:absolute; left:3px; top:3px; width:14px; height:14px;
918    border-radius:50%; background:#fff; border:3px solid var(--green);
919  }
920
921  /* ---- responsive ---- */
922  @media (max-width:760px){
923    .snt-elig .se-grid{ grid-template-columns:1fr; }
924    .snt-elig .se-panel--when{ border-left:0; border-top:1px solid var(--line); }
925  }
926  @media (prefers-reduced-motion:no-preference){
927    .snt-elig .se-checks li, .snt-elig .se-timeline li{ transition:transform .15s ease; }
928  }
929</style>
930
931<section class="snt-elig" aria-label="ABLE Account eligibility">
932  <div class="se-head">
933    <p class="se-purpose">Helps individuals with disabilities and families understand how ABLE accounts can support savings, qualified disability expenses, and benefit protection.</p>
934  </div>
935
936  <div class="se-grid">
937    <div class="se-panel se-panel--who">
938      <div class="se-label">
939        <span class="se-ic"><svg viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"><path d="M16 21v-2a4 4 0 0 0-4-4H6a4 4 0 0 0-4 4v2"/><circle cx="9" cy="7" r="4"/><path d="M22 11l-3 3-2-2"/></svg></span>
940        <h3>Who This Is For</h3>
941      </div>
942      <p class="se-sub">This service is right for you if…</p>
943        <ul class="se-checks">
944          <li>You are a person with a disability who wants to save money without risking key benefits.</li>
945          <li>You are a parent, guardian, or family member helping manage disability-related expenses.</li>
946          <li>You want a flexible way to pay for everyday needs, housing, education, transportation, health, or support services.</li>
947          <li>You want to compare how an ABLE account can work alongside a Special Needs Trust.</li>
948        </ul>
949    </div>
950
951    <div class="se-panel se-panel--when">
952      <div class="se-label">
953        <span class="se-ic"><svg viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"><circle cx="12" cy="12" r="9"/><path d="M12 7v5l3 2"/></svg></span>
954        <h3>When You Need This</h3>
955      </div>
956      <p class="se-sub">Consider this document when…</p>
957        <ul class="se-timeline">
958          <li>You want to save more than the usual resource limit while protecting benefits.</li>
959          <li>You receive gifts, birthday money, work income, or extra funds that need a safe place.</li>
960          <li>You need a simple account for qualified disability-related expenses.</li>
961          <li>You are building a larger plan that may include a Special Needs Trust, Power of Attorney, or Letter of Intent.</li>
962        </ul>
963    </div>
964  </div>
965</section>				</div>
966				</div>
967					</div>
968		</div>
969					</div>
970		</section>
971				<section class="elementor-section elementor-top-section elementor-element elementor-element-8883f6a elementor-section-full_width elementor-section-stretched elementor-section-height-default elementor-section-height-default" data-id="8883f6a" data-element_type="section" data-e-type="section" data-settings="{&quot;stretch_section&quot;:&quot;section-stretched&quot;}">
972						<div class="elementor-container elementor-column-gap-default">
973					<div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1f81d6c" data-id="1f81d6c" data-element_type="column" data-e-type="column">
974			<div class="elementor-widget-wrap elementor-element-populated">
975						<div class="elementor-element elementor-element-0435b72 elementor-widget elementor-widget-html" data-id="0435b72" data-element_type="widget" data-e-type="widget" data-widget_type="html.default">
976				<div class="elementor-widget-container">
977					<style>
978  /* =========================================================================
979     "WHAT HAPPENS IF YOU DO NOTHING?"  educational block
980     Scoped under .snt-nothing so it never affects the rest of the page.
981     Calm, factual framing — no alarm colors, no scare visuals.
982     Palette: #DB9E33 gold · #7AA63C green (minimal) · #505050 ink · #fff paper
983     ========================================================================= */
984  .snt-nothing{
985    --gold:#DB9E33; --gold-deep:#b9831f; --green:#7AA63C; --green-deep:#5f852c;
986    --ink:#505050; --ink-soft:#6f6f6f; --paper:#ffffff;
987    --line:#e7ddcb; --wash:#faf6ee; --calm:#f4f1ea;
988    box-sizing:border-box; width:100%; margin:0 auto;
989    background:var(--paper);
990    border:1px solid var(--line); border-radius:18px;
991    box-shadow:0 16px 46px -30px rgba(80,80,80,.5);
992    color:var(--ink); font-family:Arial,Helvetica,sans-serif;
993    overflow:hidden; position:relative; -webkit-font-smoothing:antialiased;
994  }
995  .snt-nothing *{ box-sizing:border-box; }
996
997  .snt-nothing .sn-inner{ padding:clamp(26px,4vw,48px) clamp(22px,4vw,52px); }
998
999  /* heading row */
1000  .snt-nothing .sn-top{ display:flex; align-items:center; gap:14px; margin:0 0 6px; }
1001  .snt-nothing .sn-badge{
1002    width:46px; height:46px; flex:none; border-radius:12px;
1003    display:grid; place-items:center; color:#fff; background:var(--gold);
1004    box-shadow:0 8px 18px -8px rgba(219,158,51,.8);
1005  }
1006  .snt-nothing .sn-badge svg{ width:25px; height:25px; }
1007  .snt-nothing h2{
1008    margin:0; font-family:Georgia,'Times New Roman',serif; font-weight:700;
1009    font-size:clamp(22px,3vw,31px); line-height:1.2; color:var(--ink);
1010  }
1011  .snt-nothing .sn-kicker{
1012    display:block; font-family:Arial,Helvetica,sans-serif;
1013    font-size:12px; font-weight:800; letter-spacing:.16em; text-transform:uppercase;
1014    color:var(--gold-deep); margin:0 0 4px;
1015  }
1016  .snt-nothing .sn-intro{
1017    margin:16px 0 24px; max-width:none;
1018    font-size:clamp(15px,1.7vw,17px); line-height:1.7; color:var(--ink);
1019  }
1020
1021  /* consequences */
1022  .snt-nothing .sn-list{ display:grid; gap:14px; margin:0 0 26px; }
1023  .snt-nothing .sn-item{
1024    display:flex; gap:14px; align-items:flex-start;
1025    background:var(--calm); border:1px solid var(--line);
1026    border-radius:12px; padding:16px 18px;
1027  }
1028  .snt-nothing .sn-dot{
1029    width:30px; height:30px; flex:none; border-radius:50%;
1030    display:grid; place-items:center; margin-top:1px;
1031    background:rgba(219,158,51,.16); color:var(--gold-deep);
1032  }
1033  .snt-nothing .sn-dot svg{ width:17px; height:17px; }
1034  .snt-nothing .sn-item p{
1035    margin:0; font-size:clamp(15px,1.6vw,16.5px); line-height:1.6; color:var(--ink);
1036  }
1037
1038  /* reassurance — the calm, hopeful note (the rare, minimal green) */
1039  .snt-nothing .sn-reassure{
1040    display:flex; gap:14px; align-items:flex-start;
1041    background:rgba(122,166,60,.10);
1042    border:1px solid rgba(122,166,60,.34);
1043    border-left:5px solid var(--green);
1044    border-radius:12px; padding:18px 20px;
1045  }
1046  .snt-nothing .sn-reassure .sn-rdot{
1047    width:30px; height:30px; flex:none; border-radius:50%;
1048    display:grid; place-items:center; margin-top:1px;
1049    background:var(--green); color:#fff;
1050  }
1051  .snt-nothing .sn-reassure .sn-rdot svg{ width:17px; height:17px; }
1052  .snt-nothing .sn-reassure p{
1053    margin:0; font-size:clamp(15px,1.7vw,17px); line-height:1.65; color:#3f5a1c; font-weight:600;
1054  }
1055
1056  @media (max-width:600px){
1057    .snt-nothing{ border-radius:14px; }
1058    .snt-nothing .sn-badge{ width:42px; height:42px; }
1059  }
1060</style>
1061
1062<section class="snt-nothing" aria-label="What happens if you do nothing — ABLE Account">
1063  <div class="sn-inner">
1064    <div class="sn-top">
1065      <span class="sn-badge"><svg viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"><circle cx="12" cy="12" r="10"/><path d="M12 16v-4M12 8h.01"/></svg></span>
1066      <div>
1067        <span class="sn-kicker">A Quick, Honest Note</span>
1068        <h2>What Happens If You Do Nothing?</h2>
1069      </div>
1070    </div>
1071
1072    <p class="sn-intro">Many families don’t realize there’s a benefit-safe way to save — so savings either don’t happen or quietly create a problem.</p>
1073
1074    <div class="sn-list">
1075        <div class="sn-item">
1076          <span class="sn-dot"><svg viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2.4" stroke-linecap="round" stroke-linejoin="round"><path d="M9 6l6 6-6 6"/></svg></span>
1077          <p>Saving more than the usual resource limit in a regular account can reduce or interrupt benefits like SSI and Medicaid.</p>
1078        </div>
1079        <div class="sn-item">
1080          <span class="sn-dot"><svg viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2.4" stroke-linecap="round" stroke-linejoin="round"><path d="M9 6l6 6-6 6"/></svg></span>
1081          <p>Gifts, birthday money, or work income may have no safe place to go, leaving families unsure how to set funds aside.</p>
1082        </div>
1083        <div class="sn-item">
1084          <span class="sn-dot"><svg viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2.4" stroke-linecap="round" stroke-linejoin="round"><path d="M9 6l6 6-6 6"/></svg></span>
1085          <p>Everyday disability-related expenses can be harder to manage without a dedicated, protected account.</p>
1086        </div>
1087    </div>
1088
1089    <div class="sn-reassure">
1090      <span class="sn-rdot"><svg viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"><path d="M20.8 4.6a5.5 5.5 0 0 0-7.8 0L12 5.6l-1-1a5.5 5.5 0 0 0-7.8 7.8l1 1L12 21l7.8-7.6 1-1a5.5 5.5 0 0 0 0-7.8z"/></svg></span>
1091      <p>An ABLE account lets a person with a disability save and pay for qualified expenses while protecting benefits — and it works well alongside a Special Needs Trust.</p>
1092    </div>
1093  </div>
1094</section>				</div>
1095				</div>
1096					</div>
1097		</div>
1098					</div>
1099		</section>
1100				<section class="elementor-section elementor-top-section elementor-element elementor-element-fdafe64 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="fdafe64" data-element_type="section" data-e-type="section" data-settings="{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}">
1101						<div class="elementor-container elementor-column-gap-default">
1102					<div class="elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-acb1c68" data-id="acb1c68" data-element_type="column" data-e-type="column" data-settings="{&quot;background_background&quot;:&quot;classic&quot;}">
1103			<div class="elementor-widget-wrap elementor-element-populated">
1104						<div class="elementor-element elementor-element-e5478b6 elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box" data-id="e5478b6" data-element_type="widget" data-e-type="widget" data-widget_type="icon-box.default">
1105				<div class="elementor-widget-container">
1106							<div class="elementor-icon-box-wrapper">
1107
1108						<div class="elementor-icon-box-icon">
1109				<span  class="elementor-icon">
1110				<i aria-hidden="true" class="fas fa-book"></i>				</span>
1111			</div>
1112			
1113						<div class="elementor-icon-box-content">
1114
1115									<h3 class="elementor-icon-box-title">
1116						<span  >
1117							What an ABLE Account Does						</span>
1118					</h3>
1119				
1120									<p class="elementor-icon-box-description">
1121						An ABLE account works like an online savings account where a person with a disability can hold up to $100,000 without affecting their eligibility for SSI. Most states also provide tax advantages, making the account an easy way to save, invest, and protect financial resources.					</p>
1122				
1123			</div>
1124			
1125		</div>
1126						</div>
1127				</div>
1128				<div class="elementor-element elementor-element-d2194b3 elementor-widget-divider--view-line elementor-widget elementor-widget-divider" data-id="d2194b3" data-element_type="widget" data-e-type="widget" data-widget_type="divider.default">
1129				<div class="elementor-widget-container">
1130							<div class="elementor-divider">
1131			<span class="elementor-divider-separator">
1132						</span>
1133		</div>
1134						</div>
1135				</div>
1136				<div class="elementor-element elementor-element-7beca29 elementor-widget elementor-widget-text-editor" data-id="7beca29" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default">
1137				<div class="elementor-widget-container">
1138									<p><span style="font-weight: 400;">Families often use an ABLE account to deposit birthday gifts, unexpected money, or excess funds from a checking account to stay under SSI’s $2,000 asset limit.</span></p>								</div>
1139				</div>
1140					</div>
1141		</div>
1142				<div class="elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-d46120f" data-id="d46120f" data-element_type="column" data-e-type="column" data-settings="{&quot;background_background&quot;:&quot;classic&quot;}">
1143			<div class="elementor-widget-wrap elementor-element-populated">
1144						<div class="elementor-element elementor-element-2923f10 elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box" data-id="2923f10" data-element_type="widget" data-e-type="widget" data-widget_type="icon-box.default">
1145				<div class="elementor-widget-container">
1146							<div class="elementor-icon-box-wrapper">
1147
1148						<div class="elementor-icon-box-icon">
1149				<span  class="elementor-icon">
1150				<i aria-hidden="true" class="fas fa-book"></i>				</span>
1151			</div>
1152			
1153						<div class="elementor-icon-box-content">
1154
1155									<h3 class="elementor-icon-box-title">
1156						<span  >
1157							Why ABLE Accounts Matter						</span>
1158					</h3>
1159				
1160									<p class="elementor-icon-box-description">
1161						For many individuals with disabilities, asset limits can get in the way of financial independence. An ABLE account offers a safe, protected place to save money for things that improve daily life, from food and housing to assistive technology, education, transportation, or personal support.					</p>
1162				
1163			</div>
1164			
1165		</div>
1166						</div>
1167				</div>
1168				<div class="elementor-element elementor-element-78ccff0 elementor-widget-divider--view-line elementor-widget elementor-widget-divider" data-id="78ccff0" data-element_type="widget" data-e-type="widget" data-widget_type="divider.default">
1169				<div class="elementor-widget-container">
1170							<div class="elementor-divider">
1171			<span class="elementor-divider-separator">
1172						</span>
1173		</div>
1174						</div>
1175				</div>
1176				<div class="elementor-element elementor-element-4ff0763 elementor-widget elementor-widget-text-editor" data-id="4ff0763" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default">
1177				<div class="elementor-widget-container">
1178									<p><span style="font-weight: 400;">Establishing an ABLE account does not impact eligibility for SSI, Medicaid, or other means-tested benefits. The beneficiary remains the owner and retains control over how funds are used.</span></p>								</div>
1179				</div>
1180					</div>
1181		</div>
1182				<div class="elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-1988b25" data-id="1988b25" data-element_type="column" data-e-type="column" data-settings="{&quot;background_background&quot;:&quot;classic&quot;}">
1183			<div class="elementor-widget-wrap elementor-element-populated">
1184						<div class="elementor-element elementor-element-ac735ff elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box" data-id="ac735ff" data-element_type="widget" data-e-type="widget" data-widget_type="icon-box.default">
1185				<div class="elementor-widget-container">
1186							<div class="elementor-icon-box-wrapper">
1187
1188						<div class="elementor-icon-box-icon">
1189				<span  class="elementor-icon">
1190				<i aria-hidden="true" class="fas fa-book"></i>				</span>
1191			</div>
1192			
1193						<div class="elementor-icon-box-content">
1194
1195									<h3 class="elementor-icon-box-title">
1196						<span  >
1197							The Letter of Intent (LOI)						</span>
1198					</h3>
1199				
1200									<p class="elementor-icon-box-description">
1201						Families often pair an ABLE account with a Letter of Intent, a personal guide that explains the individual's daily routines, needs, preferences, supports, and important contacts. 					</p>
1202				
1203			</div>
1204			
1205		</div>
1206						</div>
1207				</div>
1208				<div class="elementor-element elementor-element-263a532 elementor-widget-divider--view-line elementor-widget elementor-widget-divider" data-id="263a532" data-element_type="widget" data-e-type="widget" data-widget_type="divider.default">
1209				<div class="elementor-widget-container">
1210							<div class="elementor-divider">
1211			<span class="elementor-divider-separator">
1212						</span>
1213		</div>
1214						</div>
1215				</div>
1216				<div class="elementor-element elementor-element-eb01a8c elementor-widget elementor-widget-text-editor" data-id="eb01a8c" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default">
1217				<div class="elementor-widget-container">
1218									<p>While not a legal document, the LOI becomes an invaluable resource for anyone who may step in to support your loved one in the future, ensuring continuity, stability, and respect for their wishes.</p>								</div>
1219				</div>
1220					</div>
1221		</div>
1222					</div>
1223		</section>
1224				<section class="elementor-section elementor-top-section elementor-element elementor-element-7d62c98 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="7d62c98" data-element_type="section" data-e-type="section" data-settings="{&quot;stretch_section&quot;:&quot;section-stretched&quot;}">
1225						<div class="elementor-container elementor-column-gap-default">
1226					<div class="elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-51cf712" data-id="51cf712" data-element_type="column" data-e-type="column">
1227			<div class="elementor-widget-wrap elementor-element-populated">
1228						<div class="elementor-element elementor-element-3e099a2 elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box" data-id="3e099a2" data-element_type="widget" data-e-type="widget" data-widget_type="icon-box.default">
1229				<div class="elementor-widget-container">
1230							<div class="elementor-icon-box-wrapper">
1231
1232						<div class="elementor-icon-box-icon">
1233				<span  class="elementor-icon">
1234				<i aria-hidden="true" class="fas fa-hands"></i>				</span>
1235			</div>
1236			
1237						<div class="elementor-icon-box-content">
1238
1239									<h3 class="elementor-icon-box-title">
1240						<span  >
1241							Who Is Eligible?						</span>
1242					</h3>
1243				
1244				
1245			</div>
1246			
1247		</div>
1248						</div>
1249				</div>
1250				<div class="elementor-element elementor-element-c06cad5 elementor-widget elementor-widget-text-editor" data-id="c06cad5" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default">
1251				<div class="elementor-widget-container">
1252									<p>You qualify for an ABLE account if your disability began before age 46 (raised from 26 on January 1, 2026) and you either:</p><ul><li>Receive SSI or SSDI, or</li><li>Have a written disability diagnosis from a licensed physician.</li></ul><p>The account can be opened by the person with the disability, a parent, a legal guardian, or someone with power of attorney.</p>								</div>
1253				</div>
1254					</div>
1255		</div>
1256				<div class="elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-b8d8068" data-id="b8d8068" data-element_type="column" data-e-type="column">
1257			<div class="elementor-widget-wrap elementor-element-populated">
1258						<div class="elementor-element elementor-element-a8cd01a elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box" data-id="a8cd01a" data-element_type="widget" data-e-type="widget" data-widget_type="icon-box.default">
1259				<div class="elementor-widget-container">
1260							<div class="elementor-icon-box-wrapper">
1261
1262						<div class="elementor-icon-box-icon">
1263				<span  class="elementor-icon">
1264				<i aria-hidden="true" class="fas fa-coins"></i>				</span>
1265			</div>
1266			
1267						<div class="elementor-icon-box-content">
1268
1269									<h3 class="elementor-icon-box-title">
1270						<span  >
1271							Contribution Limits						</span>
1272					</h3>
1273				
1274				
1275			</div>
1276			
1277		</div>
1278						</div>
1279				</div>
1280				<div class="elementor-element elementor-element-5296b48 elementor-widget elementor-widget-text-editor" data-id="5296b48" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default">
1281				<div class="elementor-widget-container">
1282									<p>For 2026, contributions from everyone combined can total up to $20,000 per year. If the account owner works and does not participate in an employer retirement plan, they can add up to $15,650 more from their earnings (called ABLE to Work).</p><p>Balances up to $100,000 are ignored by SSI, and Medicaid eligibility is never affected by the balance. Money in a 529 college savings plan can also be rolled over into an ABLE account.</p><p>When the account owner passes away, remaining funds may first be used to repay Medicaid (the Medicaid payback).</p>								</div>
1283				</div>
1284					</div>
1285		</div>
1286					</div>
1287		</section>
1288				<section class="elementor-section elementor-top-section elementor-element elementor-element-5025f9a elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="5025f9a" data-element_type="section" data-e-type="section" id="find-your-state-program" data-settings="{&quot;stretch_section&quot;:&quot;section-stretched&quot;}">
1289						<div class="elementor-container elementor-column-gap-default">
1290					<div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e162be6" data-id="e162be6" data-element_type="column" data-e-type="column" data-settings="{&quot;background_background&quot;:&quot;classic&quot;}">
1291			<div class="elementor-widget-wrap elementor-element-populated">
1292						<div class="elementor-element elementor-element-3b58151 elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box" data-id="3b58151" data-element_type="widget" data-e-type="widget" data-widget_type="icon-box.default">
1293				<div class="elementor-widget-container">
1294							<div class="elementor-icon-box-wrapper">
1295
1296						<div class="elementor-icon-box-icon">
1297				<span  class="elementor-icon">
1298				<i aria-hidden="true" class="fas fa-hands"></i>				</span>
1299			</div>
1300			
1301						<div class="elementor-icon-box-content">
1302
1303									<h3 class="elementor-icon-box-title">
1304						<span  >
1305							Choosing an ABLE Program						</span>
1306					</h3>
1307				
1308				
1309			</div>
1310			
1311		</div>
1312						</div>
1313				</div>
1314				<div class="elementor-element elementor-element-bcc5cec elementor-widget elementor-widget-text-editor" data-id="bcc5cec" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default">
1315				<div class="elementor-widget-container">
1316									<p>You can open an ABLE account in any state program that accepts out-of-state residents. You are not limited to your home state. Programs differ in fees, investment choices and state tax benefits.</p><p><strong>Enter your name and email below and we will take you straight to our state-by-state guide to every ABLE program.</strong></p>
1317                <div class='gf_browser_chrome gform_wrapper gravity-theme gform-theme--no-framework' data-form-theme='gravity-theme' data-form-index='0' id='gform_wrapper_57' ><form method='post' enctype='multipart/form-data'  id='gform_57'  action='/able-account/' data-formid='57' novalidate>
1318                        <div class='gform-body gform_body'><div id='gform_fields_57' class='gform_fields top_label form_sublabel_below description_below validation_below'><div id="field_57_1" class="gfield gfield--type-text gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><label class='gfield_label gform-field-label' for='input_57_1'><span class='gform-field-label__text'>Name</span><span class="gfield_required"><span class="gfield_required gfield_required_text">(Required)</span></span></label><div class='ginput_container ginput_container_text'><input name='input_1' id='input_57_1' type='text' value='' class=''     aria-required="true" aria-invalid="false"   /></div></div><div id="field_57_2" class="gfield gfield--type-email gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><label class='gfield_label gform-field-label' for='input_57_2'><span class='gform-field-label__text'>Email</span><span class="gfield_required"><span class="gfield_required gfield_required_text">(Required)</span></span></label><div class='ginput_container ginput_container_email'>
1319                            <input name='input_2' id='input_57_2' type='email' value='' class=''    aria-required="true" aria-invalid="false"  />
1320                        </div></div></div></div>
1321        <div class='gform-footer gform_footer top_label'> <button type='submit' id='gform_submit_button_57' class='gform_button button' onclick='gform.submission.handleButtonClick(this);' data-submission-type='submit' >Show Me the State Programs</button> 
1322            <input type='hidden' class='gform_hidden' name='gform_submission_method' data-js='gform_submission_method_57' value='postback' />
1323            <input type='hidden' class='gform_hidden' name='gform_theme' data-js='gform_theme_57' id='gform_theme_57' value='gravity-theme' />
1324            <input type='hidden' class='gform_hidden' name='gform_style_settings' data-js='gform_style_settings_57' id='gform_style_settings_57' value='[]' />
1325            <input type='hidden' class='gform_hidden' name='is_submit_57' value='1' />
1326            <input type='hidden' class='gform_hidden' name='gform_submit' value='57' />
1327            
1328            <input type='hidden' class='gform_hidden' name='gform_currency' data-currency='USD' value='R3IgWJeOy/gIYjrUT0TPe3e+Wdq7Uqz+Av1uzn2e/7oFen5tqhxxqd2pz4pzeqajmeWyESiNsExQnzHQBNG58ZRu1Shy9ONesIKhYYbeNVR1JZw=' />
1329            <input type='hidden' class='gform_hidden' name='gform_unique_id' value='' />
1330            <input type='hidden' class='gform_hidden' name='state_57' value='WyJ7XCJnZm9ybV9zdWJtaXNzaW9uX21ldGhvZFwiOltcImNjMDhjZjk0NTEwYTA5MjU4Yzk1NTYxYzJlYTE5MGZhXCIsXCJhMDk5MDFjNDBlMGI0MzkwMTViZDJmZGYzMTZjZjJiZVwiXSxcImdmb3JtX3RoZW1lXCI6XCJjNGJiYWE0NjE3ZjA5MD
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1331            <input type='hidden' autocomplete='off' class='gform_hidden' name='gform_target_page_number_57' id='gform_target_page_number_57' value='0' />
1332            <input type='hidden' autocomplete='off' class='gform_hidden' name='gform_source_page_number_57' id='gform_source_page_number_57' value='1' />
1333            <input type='hidden' name='gform_field_values' value='' />
1334            
1335        </div>
1336                        </form>
1337                        </div>								</div>
1338				</div>
1339					</div>
1340		</div>
1341					</div>
1342		</section>
1343				<section class="elementor-section elementor-top-section elementor-element elementor-element-5e33cb5 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="5e33cb5" data-element_type="section" data-e-type="section" data-settings="{&quot;background_background&quot;:&quot;classic&quot;,&quot;stretch_section&quot;:&quot;section-stretched&quot;}">
1344							<div class="elementor-background-overlay"></div>
1345							<div class="elementor-container elementor-column-gap-default">
1346					<div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b0622b0" data-id="b0622b0" data-element_type="column" data-e-type="column">
1347			<div class="elementor-widget-wrap elementor-element-populated">
1348						<div class="elementor-element elementor-element-a360f09 elementor-widget elementor-widget-heading" data-id="a360f09" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default">
1349				<div class="elementor-widget-container">
1350					<h2 class="elementor-heading-title elementor-size-default">What ABLE Funds Can Cover</h2>				</div>
1351				</div>
1352				<div class="elementor-element elementor-element-f2e001c elementor-widget elementor-widget-text-editor" data-id="f2e001c" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default">
1353				<div class="elementor-widget-container">
1354									<p><span style="font-weight: 400;">Expenses must relate to the individual’s disability and improve quality of life. Common uses include:</span></p>								</div>
1355				</div>
1356				<section class="elementor-section elementor-inner-section elementor-element elementor-element-2e8584f elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="2e8584f" data-element_type="section" data-e-type="section">
1357						<div class="elementor-container elementor-column-gap-default">
1358					<div class="elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-d0a2941" data-id="d0a2941" data-element_type="column" data-e-type="column" data-settings="{&quot;background_background&quot;:&quot;classic&quot;}">
1359			<div class="elementor-widget-wrap elementor-element-populated">
1360						<div class="elementor-element elementor-element-7fe42f0 elementor-align-start elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list" data-id="7fe42f0" data-element_type="widget" data-e-type="widget" data-widget_type="icon-list.default">
1361				<div class="elementor-widget-container">
1362							<ul class="elementor-icon-list-items">
1363							<li class="elementor-icon-list-item">
1364											<span class="elementor-icon-list-icon">
1365							<i aria-hidden="true" class="fas fa-check-circle"></i>						</span>
1366										<span class="elementor-icon-list-text"> Education and training</span>
1367									</li>
1368						</ul>
1369						</div>
1370				</div>
1371					</div>
1372		</div>
1373				<div class="elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-339dbf3" data-id="339dbf3" data-element_type="column" data-e-type="column" data-settings="{&quot;background_background&quot;:&quot;classic&quot;}">
1374			<div class="elementor-widget-wrap elementor-element-populated">
1375						<div class="elementor-element elementor-element-553b503 elementor-align-start elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list" data-id="553b503" data-element_type="widget" data-e-type="widget" data-widget_type="icon-list.default">
1376				<div class="elementor-widget-container">
1377							<ul class="elementor-icon-list-items">
1378							<li class="elementor-icon-list-item">
1379											<span class="elementor-icon-list-icon">
1380							<i aria-hidden="true" class="fas fa-check-circle"></i>						</span>
1381										<span class="elementor-icon-list-text">Food and housing</span>
1382									</li>
1383						</ul>
1384						</div>
1385				</div>
1386					</div>
1387		</div>
1388				<div class="elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-c33023b" data-id="c33023b" data-element_type="column" data-e-type="column" data-settings="{&quot;background_background&quot;:&quot;classic&quot;}">
1389			<div class="elementor-widget-wrap elementor-element-populated">
1390						<div class="elementor-element elementor-element-edf3d4f elementor-align-start elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list" data-id="edf3d4f" data-element_type="widget" data-e-type="widget" data-widget_type="icon-list.default">
1391				<div class="elementor-widget-container">
1392							<ul class="elementor-icon-list-items">
1393							<li class="elementor-icon-list-item">
1394											<span class="elementor-icon-list-icon">
1395							<i aria-hidden="true" class="fas fa-check-circle"></i>						</span>
1396										<span class="elementor-icon-list-text">Healthcare costs</span>
1397									</li>
1398						</ul>
1399						</div>
1400				</div>
1401					</div>
1402		</div>
1403					</div>
1404		</section>
1405				<section class="elementor-section elementor-inner-section elementor-element elementor-element-7d42b6a elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="7d42b6a" data-element_type="section" data-e-type="section">
1406						<div class="elementor-container elementor-column-gap-default">
1407					<div class="elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-75b84dc" data-id="75b84dc" data-element_type="column" data-e-type="column" data-settings="{&quot;background_background&quot;:&quot;classic&quot;}">
1408			<div class="elementor-widget-wrap elementor-element-populated">
1409						<div class="elementor-element elementor-element-4075049 elementor-align-start elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list" data-id="4075049" data-element_type="widget" data-e-type="widget" data-widget_type="icon-list.default">
1410				<div class="elementor-widget-container">
1411							<ul class="elementor-icon-list-items">
1412							<li class="elementor-icon-list-item">
1413											<span class="elementor-icon-list-icon">
1414							<i aria-hidden="true" class="fas fa-check-circle"></i>						</span>
1415										<span class="elementor-icon-list-text">Transportation</span>
1416									</li>
1417						</ul>
1418						</div>
1419				</div>
1420					</div>
1421		</div>
1422				<div class="elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-3e9bc41" data-id="3e9bc41" data-element_type="column" data-e-type="column" data-settings="{&quot;background_background&quot;:&quot;classic&quot;}">
1423			<div class="elementor-widget-wrap elementor-element-populated">
1424						<div class="elementor-element elementor-element-3ece548 elementor-align-start elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list" data-id="3ece548" data-element_type="widget" data-e-type="widget" data-widget_type="icon-list.default">
1425				<div class="elementor-widget-container">
1426							<ul class="elementor-icon-list-items">
1427							<li class="elementor-icon-list-item">
1428											<span class="elementor-icon-list-icon">
1429							<i aria-hidden="true" class="fas fa-check-circle"></i>						</span>
1430										<span class="elementor-icon-list-text"> Assistive technology</span>
1431									</li>
1432						</ul>
1433						</div>
1434				</div>
1435					</div>
1436		</div>
1437				<div class="elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-0173ca0" data-id="0173ca0" data-element_type="column" data-e-type="column" data-settings="{&quot;background_background&quot;:&quot;classic&quot;}">
1438			<div class="elementor-widget-wrap elementor-element-populated">
1439						<div class="elementor-element elementor-element-449e9ef elementor-align-start elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list" data-id="449e9ef" data-element_type="widget" data-e-type="widget" data-widget_type="icon-list.default">
1440				<div class="elementor-widget-container">
1441							<ul class="elementor-icon-list-items">
1442							<li class="elementor-icon-list-item">
1443											<span class="elementor-icon-list-icon">
1444							<i aria-hidden="true" class="fas fa-check-circle"></i>						</span>
1445										<span class="elementor-icon-list-text">Personal support services</span>
1446									</li>
1447						</ul>
1448						</div>
1449				</div>
1450					</div>
1451		</div>
1452					</div>
1453		</section>
1454				<section class="elementor-section elementor-inner-section elementor-element elementor-element-5c00e43 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="5c00e43" data-element_type="section" data-e-type="section">
1455						<div class="elementor-container elementor-column-gap-default">
1456					<div class="elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-64f000f" data-id="64f000f" data-element_type="column" data-e-type="column" data-settings="{&quot;background_background&quot;:&quot;classic&quot;}">
1457			<div class="elementor-widget-wrap elementor-element-populated">
1458						<div class="elementor-element elementor-element-0836b66 elementor-align-start elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list" data-id="0836b66" data-element_type="widget" data-e-type="widget" data-widget_type="icon-list.default">
1459				<div class="elementor-widget-container">
1460							<ul class="elementor-icon-list-items">
1461							<li class="elementor-icon-list-item">
1462											<span class="elementor-icon-list-icon">
1463							<i aria-hidden="true" class="fas fa-check-circle"></i>						</span>
1464										<span class="elementor-icon-list-text">Employment support</span>
1465									</li>
1466						</ul>
1467						</div>
1468				</div>
1469					</div>
1470		</div>
1471				<div class="elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-223c509" data-id="223c509" data-element_type="column" data-e-type="column" data-settings="{&quot;background_background&quot;:&quot;classic&quot;}">
1472			<div class="elementor-widget-wrap elementor-element-populated">
1473						<div class="elementor-element elementor-element-bdf9db2 elementor-align-start elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list" data-id="bdf9db2" data-element_type="widget" data-e-type="widget" data-widget_type="icon-list.default">
1474				<div class="elementor-widget-container">
1475							<ul class="elementor-icon-list-items">
1476							<li class="elementor-icon-list-item">
1477											<span class="elementor-icon-list-icon">
1478							<i aria-hidden="true" class="fas fa-check-circle"></i>						</span>
1479										<span class="elementor-icon-list-text">Financial management tools</span>
1480									</li>
1481						</ul>
1482						</div>
1483				</div>
1484					</div>
1485		</div>
1486				<div class="elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-becb984" data-id="becb984" data-element_type="column" data-e-type="column">
1487			<div class="elementor-widget-wrap">
1488							</div>
1489		</div>
1490					</div>
1491		</section>
1492					</div>
1493		</div>
1494					</div>
1495		</section>
1496				<section class="elementor-section elementor-top-section elementor-element elementor-element-8523d99 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="8523d99" data-element_type="section" data-e-type="section" data-settings="{&quot;stretch_section&quot;:&quot;section-stretched&quot;}">
1497						<div class="elementor-container elementor-column-gap-default">
1498					<div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c2345b3" data-id="c2345b3" data-element_type="column" data-e-type="column" data-settings="{&quot;background_background&quot;:&quot;classic&quot;}">
1499			<div class="elementor-widget-wrap elementor-element-populated">
1500						<div class="elementor-element elementor-element-e679134 elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box" data-id="e679134" data-element_type="widget" data-e-type="widget" data-widget_type="icon-box.default">
1501				<div class="elementor-widget-container">
1502							<div class="elementor-icon-box-wrapper">
1503
1504						<div class="elementor-icon-box-icon">
1505				<span  class="elementor-icon">
1506				<i aria-hidden="true" class="fas fa-shield-alt"></i>				</span>
1507			</div>
1508			
1509						<div class="elementor-icon-box-content">
1510
1511									<h3 class="elementor-icon-box-title">
1512						<span  >
1513							How ABLE Accounts Affect Government Benefits						</span>
1514					</h3>
1515				
1516									<p class="elementor-icon-box-description">
1517						ABLE accounts allow individuals to hold more than $2,000 in assets — up to $100,000 — while still maintaining SSI and other benefits					</p>
1518				
1519			</div>
1520			
1521		</div>
1522						</div>
1523				</div>
1524				<div class="elementor-element elementor-element-a6f1710 elementor-widget elementor-widget-text-editor" data-id="a6f1710" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default">
1525				<div class="elementor-widget-container">
1526									<p><span style="font-weight: 400;">Families often use an ABLE account to deposit birthday gifts, unexpected money, or excess funds from a checking account to stay under SSI’s $2,000 asset limit.</span></p>								</div>
1527				</div>
1528					</div>
1529		</div>
1530					</div>
1531		</section>
1532				<section class="elementor-section elementor-top-section elementor-element elementor-element-dcfc5fc elementor-section-content-middle elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="dcfc5fc" data-element_type="section" data-e-type="section" data-settings="{&quot;stretch_section&quot;:&quot;section-stretched&quot;}">
1533						<div class="elementor-container elementor-column-gap-default">
1534					<div class="elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-59968b1" data-id="59968b1" data-element_type="column" data-e-type="column">
1535			<div class="elementor-widget-wrap elementor-element-populated">
1536						<div class="elementor-element elementor-element-fe8d7cf elementor-widget elementor-widget-heading" data-id="fe8d7cf" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default">
1537				<div class="elementor-widget-container">
1538					<h2 class="elementor-heading-title elementor-size-default">ABLE Account or Special Needs Trust?</h2>				</div>
1539				</div>
1540				<div class="elementor-element elementor-element-2a4e991 elementor-widget elementor-widget-text-editor" data-id="2a4e991" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default">
1541				<div class="elementor-widget-container">
1542									<p><span style="font-weight: 400;">Families benefit from having both</span></p>								</div>
1543				</div>
1544					</div>
1545		</div>
1546				<div class="elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-a4376ae" data-id="a4376ae" data-element_type="column" data-e-type="column">
1547			<div class="elementor-widget-wrap elementor-element-populated">
1548						<div class="elementor-element elementor-element-940dba3 elementor-widget elementor-widget-text-editor" data-id="940dba3" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default">
1549				<div class="elementor-widget-container">
1550									<p><b>ABLE Account or Special Needs Trust?</b></p><p><span style="font-weight: 400;">Together, they provide flexibility, financial protection, and long-term security.</span></p>								</div>
1551				</div>
1552				<div class="elementor-element elementor-element-97ccef4 elementor-widget elementor-widget-text-editor" data-id="97ccef4" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default">
1553				<div class="elementor-widget-container">
1554									<ul><li><span style="font-weight: 400;"> The ABLE Account is ideal for short-term savings, day-to-day expenses, and staying under asset limits.</span></li><li><span style="font-weight: 400;">• The Special Needs Trust is designed for long-term protection, inheritances, and larger assets — without any limit on contributions and without Medicaid payback.</span></li></ul><p><span style="font-weight: 400;">Together, they provide flexibility, financial protection, and long-term security.</span></p>								</div>
1555				</div>
1556					</div>
1557		</div>
1558					</div>
1559		</section>
1560				<section class="elementor-section elementor-top-section elementor-element elementor-element-188471a elementor-section-height-min-height elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-items-middle" data-id="188471a" data-element_type="section" data-e-type="section" data-settings="{&quot;background_background&quot;:&quot;classic&quot;,&quot;shape_divider_bottom&quot;:&quot;waves&quot;}">
1561							<div class="elementor-background-overlay"></div>
1562						<div class="elementor-shape elementor-shape-bottom" aria-hidden="true" data-negative="false">
1563			<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 1000 100" preserveAspectRatio="none">
1564	<path class="elementor-shape-fill" d="M421.9,6.5c22.6-2.5,51.5,0.4,75.5,5.3c23.6,4.9,70.9,23.5,100.5,35.7c75.8,32.2,133.7,44.5,192.6,49.7
1565	c23.6,2.1,48.7,3.5,103.4-2.5c54.7-6,106.2-25.6,106.2-25.6V0H0v30.3c0,0,72,32.6,158.4,30.5c39.2-0.7,92.8-6.7,134-22.4
1566	c21.2-8.1,52.2-18.2,79.7-24.2C399.3,7.9,411.6,7.5,421.9,6.5z"/>
1567</svg>		</div>
1568					<div class="elementor-container elementor-column-gap-default">
1569					<div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ade897e" data-id="ade897e" data-element_type="column" data-e-type="column">
1570			<div class="elementor-widget-wrap elementor-element-populated">
1571						<div class="elementor-element elementor-element-81fdeb1 elementor-widget elementor-widget-heading" data-id="81fdeb1" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default">
1572				<div class="elementor-widget-container">
1573					<h1 class="elementor-heading-title elementor-size-default">ABLE Account</h1>				</div>
1574				</div>
1575				<div class="elementor-element elementor-element-b1d3f2f elementor-widget elementor-widget-heading" data-id="b1d3f2f" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default">
1576				<div class="elementor-widget-container">
1577					<div class="elementor-heading-title elementor-size-default">Achieving a Better Life Experience 
1578</div>				</div>
1579				</div>
1580					</div>
1581		</div>
1582					</div>
1583		</section>
1584				<section class="elementor-section elementor-top-section elementor-element elementor-element-19529b7 elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="19529b7" data-element_type="section" data-e-type="section">
1585						<div class="elementor-container elementor-column-gap-default">
1586					<div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a8c70d3" data-id="a8c70d3" data-element_type="column" data-e-type="column">
1587			<div class="elementor-widget-wrap elementor-element-populated">
1588						<div class="elementor-element elementor-element-2d46430 elementor-toc--minimized-on-tablet elementor-widget elementor-widget-table-of-contents" data-id="2d46430" data-element_type="widget" data-e-type="widget" data-settings="{&quot;headings_by_tags&quot;:[&quot;h2&quot;],&quot;exclude_headings_by_selector&quot;:[],&quot;no_headings_message&quot;:&quot;No headings were found on this page.&quot;,&quot;marker_view&quot;:&quot;numbers&quot;,&quot;minimize_box&quot;:&quot;yes&quot;,&quot;minimized_on&quot;:&quot;tablet&quot;,&quot;hierarchical_view&quot;:&quot;yes&quot;,&quot;min_height&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}" data-widget_type="table-of-contents.default">
1589				<div class="elementor-widget-container">
1590									<div class="elementor-toc__header">
1591						<h4 class="elementor-toc__header-title">
1592				ABLE Accounts - Table of Contents			</h4>
1593										<div class="elementor-toc__toggle-button elementor-toc__toggle-button--expand" role="button" tabindex="0" aria-controls="elementor-toc__2d46430" aria-expanded="true" aria-label="Open table of contents"><i aria-hidden="true" class="fas fa-chevron-down"></i></div>
1594				<div class="elementor-toc__toggle-button elementor-toc__toggle-button--collapse" role="button" tabindex="0" aria-controls="elementor-toc__2d46430" aria-expanded="true" aria-label="Close table of contents"><i aria-hidden="true" class="fas fa-chevron-up"></i></div>
1595					</div>
1596				<div id="elementor-toc__2d46430" class="elementor-toc__body">
1597			<div class="elementor-toc__spinner-container">
1598				<i class="elementor-toc__spinner eicon-animation-spin eicon-loading" aria-hidden="true"></i>			</div>
1599		</div>
1600						</div>
1601				</div>
1602				<div class="elementor-element elementor-element-07061bc elementor-widget elementor-widget-heading" data-id="07061bc" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default">
1603				<div class="elementor-widget-container">
1604					<h2 class="elementor-heading-title elementor-size-default">Everything You Need To Know About ABLE Accounts
1605</h2>				</div>
1606				</div>
1607				<div class="elementor-element elementor-element-f96b08f elementor-widget elementor-widget-text-editor" data-id="f96b08f" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default">
1608				<div class="elementor-widget-container">
1609									ABLE Accounts help individuals with disabilities save money to pay for qualified expenses, without being taxed on the earnings &#8211; and in most cases, without losing eligibility for specific means-tested benefit programs.
1610								</div>
1611				</div>
1612				<section class="elementor-section elementor-inner-section elementor-element elementor-element-73d0e34 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="73d0e34" data-element_type="section" data-e-type="section">
1613						<div class="elementor-container elementor-column-gap-default">
1614					<div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-054969e" data-id="054969e" data-element_type="column" data-e-type="column">
1615			<div class="elementor-widget-wrap elementor-element-populated">
1616						<div class="elementor-element elementor-element-263e4ca elementor-widget elementor-widget-heading" data-id="263e4ca" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default">
1617				<div class="elementor-widget-container">
1618					<h2 class="elementor-heading-title elementor-size-default">The Overview Of ABLE Accounts</h2>				</div>
1619				</div>
1620				<div class="elementor-element elementor-element-e811522 elementor-widget elementor-widget-text-editor" data-id="e811522" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default">
1621				<div class="elementor-widget-container">
1622									<p><a href="https://www.irs.gov/government-entities/federal-state-local-governments/able-accounts-tax-benefit-for-people-with-disabilities">ABLE accounts</a> are specialized bank accounts That are easily set up online and allows a person with a disability to accumulate up to $100,000 and not jeopardize their government benefits. in Most states these accounts are not taxed federally or by the state. They also can be a convenient mechanism toDeposit money from accounts that do count against SSI to ensure that the person with a disability’s accounts do not exceed the $2,000 limitation under many governmental benefits.</p>								</div>
1623				</div>
1624					</div>
1625		</div>
1626				<div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-ac45a3e" data-id="ac45a3e" data-element_type="column" data-e-type="column">
1627			<div class="elementor-widget-wrap elementor-element-populated">
1628						<div class="elementor-element elementor-element-f3b8d09 elementor-widget elementor-widget-image" data-id="f3b8d09" data-element_type="widget" data-e-type="widget" data-widget_type="image.default">
1629				<div class="elementor-widget-container">
1630															<img loading="lazy" decoding="async" width="740" height="491" src="https://www.specialneedstrustsonline.com/wp-content/uploads/2024/02/ABLE-Account-The-Overview-Of-ABLE-Accounts​-1024x680.png" class="attachment-large size-large wp-image-5655" alt="A heartw
1630arming moment captures a woman carrying a young girl with Down syndrome on her back in a sunny outdoor setting, symbolizing the joy and support an ABLE account can provide." srcset="https://www.specialneedstrustsonline.com/wp-content/uploads/2024/02/ABLE-Account-The-Overview-Of-ABLE-Accounts​-1024x680.png 1024w, https://www.specialneedstrustsonline.com/wp-content/uploads/2024/02/ABLE-Account-The-Overview-Of-ABLE-Accounts​-300x199.png 300w, https://www.specialneedstrustsonline.com/wp-content/uploads/2024/02/ABLE-Account-The-Overview-Of-ABLE-Accounts​-768x510.png 768w, https://www.specialneedstrustsonline.com/wp-content/uploads/2024/02/ABLE-Account-The-Overview-Of-ABLE-Accounts​.png 1403w" sizes="100vw" />															</div>
1631				</div>
1632					</div>
1633		</div>
1634					</div>
1635		</section>
1636				<div class="elementor-element elementor-element-c12c003 elementor-widget elementor-widget-heading" data-id="c12c003" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default">
1637				<div class="elementor-widget-container">
1638					<h3 class="elementor-heading-title elementor-size-default">Things To Know About ABLE Accounts</h3>				</div>
1639				</div>
1640				<section class="elementor-section elementor-inner-section elementor-element elementor-element-d918f89 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="d918f89" data-element_type="section" data-e-type="section">
1641						<div class="elementor-container elementor-column-gap-default">
1642					<div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-2251afe" data-id="2251afe" data-element_type="column" data-e-type="column">
1643			<div class="elementor-widget-wrap elementor-element-populated">
1644						<div class="elementor-element elementor-element-8eee096 elementor-widget elementor-widget-text-editor" data-id="8eee096" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default">
1645				<div class="elementor-widget-container">
1646									<ul><li>These accounts are a must for any person with a disability.</li><li><span style="color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight ); font-size: 1rem;">This accounts should be used in addition to a <a href="https://www.specialneedstrustsonline.com/">Special Needs Trust</a>.</span></li><li>ABLE accounts can be a place to put monetary gifts from Grandma or Grandpa or other relatives, to ensure those dollars are not counted against governmental benefits.</li></ul>								</div>
1647				</div>
1648					</div>
1649		</div>
1650				<div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-f2b1d02" data-id="f2b1d02" data-element_type="column" data-e-type="column">
1651			<div class="elementor-widget-wrap elementor-element-populated">
1652						<div class="elementor-element elementor-element-98d6c55 elementor-widget elementor-widget-text-editor" data-id="98d6c55" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default">
1653				<div class="elementor-widget-container">
1654									<ul><li>These Accounts are savings accounts that come with tax benefits for individuals with disabilities</li><li>Establishing an ABLE Account will not affect the individual’s eligibility for SSI, Medicaid, and other means-tested public benefits.</li><li>The account owner is the beneficiary.</li></ul>								</div>
1655				</div>
1656					</div>
1657		</div>
1658					</div>
1659		</section>
1660				<div class="elementor-element elementor-element-4960021 elementor-widget elementor-widget-heading" data-id="4960021" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default">
1661				<div class="elementor-widget-container">
1662					<h3 class="elementor-heading-title elementor-size-default">The Purpose of The LOI for Those With Special Needs</h3>				</div>
1663				</div>
1664				<div class="elementor-element elementor-element-60ee76d elementor-widget elementor-widget-text-editor" data-id="60ee76d" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default">
1665				<div class="elementor-widget-container">
1666									The purpose of the letter of intent is to make sure whoever is now supporting your child with a disability, understands your vision for the child, as well as your child’s vision for their future. This ensures, your vision, for the child will continue after you are gone. The letter of intent will contain important contact information for your child, i.e. family members, friends, doctors, neighbors, care providers, and every other person important to your child’s life, including names, addresses, and phone numbers. It should also contain things like your child&#8217;
1666s government benefits (social security &#038; special education) and hobbies and other interests that are important to your child&#8217;s future. You should also include religious and holiday traditions that are important to your child.								</div>
1667				</div>
1668				<div class="elementor-element elementor-element-a923799 elementor-widget elementor-widget-heading" data-id="a923799" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default">
1669				<div class="elementor-widget-container">
1670					<h3 class="elementor-heading-title elementor-size-default">A Letter Of Intent Aids In Preparing For The Future</h3>				</div>
1671				</div>
1672				<div class="elementor-element elementor-element-0ef576d elementor-widget elementor-widget-text-editor" data-id="0ef576d" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default">
1673				<div class="elementor-widget-container">
1674									The letter of intent is a critically important document regarding special needs estate planning for allowing someone (such as a family member or guardian to step in and provide supports for your child with a disability immediately. This task can be overwhelming for someone who is not involved with your child’s day to day life. Whoever is required to step in to support your child with a disability after you are gone will feel confident about being able to support them with this instruction manual. 								</div>
1675				</div>
1676					</div>
1677		</div>
1678					</div>
1679		</section>
1680				<section class="elementor-section elementor-top-section elementor-element elementor-element-92ce48a elementor-section-stretched elementor-section-height-min-height elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-items-middle" data-id="92ce48a" data-element_type="section" data-e-type="section" data-settings="{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;,&quot;shape_divider_top&quot;:&quot;waves&quot;,&quot;shape_divider_bottom&quot;:&quot;waves&quot;}">
1681							<div class="elementor-background-overlay"></div>
1682						<div class="elementor-shape elementor-shape-top" aria-hidden="true" data-negative="false">
1683			<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 1000 100" preserveAspectRatio="none">
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1685	c23.6,2.1,48.7,3.5,103.4-2.5c54.7-6,106.2-25.6,106.2-25.6V0H0v30.3c0,0,72,32.6,158.4,30.5c39.2-0.7,92.8-6.7,134-22.4
1686	c21.2-8.1,52.2-18.2,79.7-24.2C399.3,7.9,411.6,7.5,421.9,6.5z"/>
1687</svg>		</div>
1688				<div class="elementor-shape elementor-shape-bottom" aria-hidden="true" data-negative="false">
1689			<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 1000 100" preserveAspectRatio="none">
1690	<path class="elementor-shape-fill" d="M421.9,6.5c22.6-2.5,51.5,0.4,75.5,5.3c23.6,4.9,70.9,23.5,100.5,35.7c75.8,32.2,133.7,44.5,192.6,49.7
1691	c23.6,2.1,48.7,3.5,103.4-2.5c54.7-6,106.2-25.6,106.2-25.6V0H0v30.3c0,0,72,32.6,158.4,30.5c39.2-0.7,92.8-6.7,134-22.4
1692	c21.2-8.1,52.2-18.2,79.7-24.2C399.3,7.9,411.6,7.5,421.9,6.5z"/>
1693</svg>		</div>
1694					<div class="elementor-container elementor-column-gap-default">
1695					<div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-15888969" data-id="15888969" data-element_type="column" data-e-type="column" data-settings="{&quot;background_background&quot;:&quot;classic&quot;}">
1696			<div class="elementor-widget-wrap elementor-element-populated">
1697					<div class="elementor-background-overlay"></div>
1698						<div class="elementor-element elementor-element-697da988 elementor-widget elementor-widget-heading" data-id="697da988" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default">
1699				<div class="elementor-widget-container">
1700					<h2 class="elementor-heading-title elementor-size-default">When An ABLE Account Comes In Handy</h2>				</div>
1701				</div>
1702				<div class="elementor-element elementor-element-c47f69c elementor-widget elementor-widget-heading" data-id="c47f69c" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default">
1703				<div class="elementor-widget-container">
1704					<h3 class="elementor-heading-title elementor-size-default">Real Examples Of ABLE Uses</h3>
1704				</div>
1705				</div>
1706				<div class="elementor-element elementor-element-664559d4 elementor-widget elementor-widget-text-editor" data-id="664559d4" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default">
1707				<div class="elementor-widget-container">
1708									Susie has a disability and has been collecting SSI for a number of years. because she has not spent a lot of money recently, her checking account now has nearly $2,000 in it. to make sure she doesn&#8217;t run a foul with the $2,000 limitation of assets and still collecting ssi, Susie can take money from her checking account and deposit into her ABLE account to lower the amount of her checking account and still qualify for SSI.
1709								</div>
1710				</div>
1711					</div>
1712		</div>
1713					</div>
1714		</section>
1715				<section class="elementor-section elementor-top-section elementor-element elementor-element-32abbf7 elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="32abbf7" data-element_type="section" data-e-type="section">
1716						<div class="elementor-container elementor-column-gap-default">
1717					<div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7c359d7" data-id="7c359d7" data-element_type="column" data-e-type="column">
1718			<div class="elementor-widget-wrap elementor-element-populated">
1719						<section class="elementor-section elementor-inner-section elementor-element elementor-element-b036e77 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="b036e77" data-element_type="section" data-e-type="section">
1720						<div class="elementor-container elementor-column-gap-default">
1721					<div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-f352873" data-id="f352873" data-element_type="column" data-e-type="column">
1722			<div class="elementor-widget-wrap elementor-element-populated">
1723						<div class="elementor-element elementor-element-9334a4c elementor-widget elementor-widget-image" data-id="9334a4c" data-element_type="widget" data-e-type="widget" data-widget_type="image.default">
1724				<div class="elementor-widget-container">
1725															<img loading="lazy" decoding="async" width="740" height="492" src="https://www.specialneedstrustsonline.com/wp-content/uploads/2024/02/ABLE-Account-The-Achieving-A-Better-Life-Experience-Eligibility-1024x681.png" class="attachment-large size-large wp-image-5685" alt="A close-up selfie of a woman and a young boy with Down syndrome, both smiling joyfully, which reflects the hope and support provided by an ABLE account for individuals with special needs." srcset="https://www.specialneedstrustsonline.com/wp-content/uploads/2024/02/ABLE-Account-The-Achieving-A-Better-Life-Experience-Eligibility-1024x681.png 1024w, https://www.specialneedstrustsonline.com/wp-content/uploads/2024/02/ABLE-Account-The-Achieving-A-Better-Life-Experience-Eligibility-300x199.png 300w, https://www.specialneedstrustsonline.com/wp-content/uploads/2024/02/ABLE-Account-The-Achieving-A-Better-Life-Experience-Eligibility-768x511.png 768w, https://www.specialneedstrustsonline.com/wp-content/uploads/2024/02/ABLE-Account-The-Achieving-A-Better-Life-Experience-Eligibility.png 1399w" sizes="100vw" />															</div>
1726				</div>
1727					</div>
1728		</div>
1729				<div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-bc0158a" data-id="bc0158a" data-element_type="column" data-e-type="column">
1730			<div class="elementor-widget-wrap elementor-element-populated">
1731						<div class="elementor-element elementor-element-fe81f1e elementor-widget elementor-widget-heading" data-id="fe81f1e" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default">
1732				<div class="elementor-widget-container">
1733					<h2 class="elementor-heading-title elementor-size-default">The Achieving A Better Life Experience Eligibility 
1734</h2>				</div>
1735				</div>
1736				<div class="elementor-element elementor-element-9183ffa elementor-widget elementor-widget-heading" data-id="9183ffa" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default">
1737				<div class="elementor-widget-container">
1738					<h3 class="elementor-heading-title elementor-size-default">Things To Check For
1739</h3>
1739				</div>
1740				</div>
1741				<div class="elementor-element elementor-element-71caeb2 elementor-widget elementor-widget-text-editor" data-id="71caeb2" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default">
1742				<div class="elementor-widget-container">
1743									<ul><li>Individuals are eligible for an ABLE account if they are already receiving benefits under Supplemental Security Income (SSI) and/or Social Security Disability Insurance (SSDI).</li><li>If not, they may still be eligible if they certify that they are blind or disABLEd and have a written diagnosis of their condition by a licensed physician.</li><li>The onset of the disability must have begun prior to age 46.</li><li>These accounts are to be established by or for a person with a disability.</li><li>If the person with a disability meets the age criteria and receives SSDI and/or SSI, they are automatically eligible to establish an ABLE account.</li><li>ABLE accounts can be set up either by the he person with the disability, or that person’s parent, legal guardian or another person with power of attorney.</li></ul>								</div>
1744				</div>
1745					</div>
1746		</div>
1747					</div>
1748		</section>
1749				<div class="elementor-element elementor-element-3da8334 elementor-widget elementor-widget-heading" data-id="3da8334" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default">
1750				<div class="elementor-widget-container">
1751					<h3 class="elementor-heading-title elementor-size-default">Contributions and Limits To ABLE Accounts
1752</h3>				</div>
1753				</div>
1754				<div class="elementor-element elementor-element-29b8f92 elementor-widget elementor-widget-text-editor" data-id="29b8f92" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default">
1755				<div class="elementor-widget-container">
1756									<p>In 2026, the maximum that everyone combined (family, friends and the account owner) can contribute to one ABLE account in a single year is $20,000.</p><p>Each state also sets a lifetime account maximum, the same cap it uses for its 529 college savings plans. In many states that is more than $300,000 per account.</p><p>On top of the $20,000 annual limit, an account owner who works and is not enrolled in an employer-sponsored retirement plan may contribute extra earnings, up to $15,650 for residents of the continental U.S. (more in Alaska and Hawaii). This is called ABLE to Work, and it is now a permanent part of the law.</p><p>Working account owners who contribute may also qualify for the federal Savers Credit of up to $1,000.</p>								</div>
1757				</div>
1758					</div>
1759		</div>
1760					</div>
1761		</section>
1762				<section class="elementor-section elementor-top-section elementor-element elementor-element-f4754d4 elementor-section-stretched elementor-section-height-min-height elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-items-middle" data-id="f4754d4" data-element_type="section" data-e-type="section" data-settings="{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;,&quot;shape_divider_top&quot;:&quot;waves&quot;,&quot;shape_divider_bottom&quot;:&quot;waves&quot;}">
1763							<div class="elementor-background-overlay"></div>
1764						<div class="elementor-shape elementor-shape-top" aria-hidden="true" data-negative="false">
1765			<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 1000 100" preserveAspectRatio="none">
1766	<path class="elementor-shape-fill" d="M421.9,6.5c22.6-2.5,51.5,0.4,75.5,5.3c23.6,4.9,70.9,23.5,100.5,35.7c75.8,32.2,133.7,44.5,192.6,49.7
1767	c23.6,2.1,48.7,3.5,103.4-2.5c54.7-6,106.2-25.6,106.2-25.6V0H0v30.3c0,0,72,32.6,158.4,30.5c39.2-0.7,92.8-6.7,134-22.4
1768	c21.2-8.1,52.2-18.2,79.7-24.2C399.3,7.9,411.6,7.5,421.9,6.5z"/>
1769</svg>		</div>
1770				<div class="elementor-shape elementor-shape-bottom" aria-hidden="true" data-negative="false">
1771			<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 1000 100" preserveAspectRatio="none">
1772	<path class="elementor-shape-fill" d="M421.9,6.5c22.6-2.5,51.5,0.4,75.5,5.3c23.6,4.9,70.9,23.5,100.5,35.7c75.8,32.2,133.7,44.5,192.6,49.7
1773	c23.6,2.1,48.7,3.5,103.4-2.5c54.7-6,106.2-25.6,106.2-25.6V0H0v30.3c0,0,72,32.6,158.4,30.5c39.2-0.7,92.8-6.7,134-22.4
1774	c21.2-8.1,52.2-18.2,79.7-24.2C399.3,7.9,411.6,7.5,421.9,6.5z"/>
1775</svg>		</div>
1776					<div class="elementor-container elementor-column-gap-default">
1777					<div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-85554ff" data-id="85554ff" data-element_type="column" data-e-type="column" data-settings="{&quot;background_background&quot;:&quot;classic&quot;}">
1778			<div class="elementor-widget-wrap elementor-element-populated">
1779					<div class="elementor-background-overlay"></div>
1780						<div class="elementor-element elementor-element-b6d7db8 elementor-widget elementor-widget-heading" data-id="b6d7db8" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default">
1781				<div class="elementor-widget-container">
1782					<h2 class="elementor-heading-title elementor-size-default">Practical Example Of When An ABLE Account Is Important</h2>				</div>
1783				</div>
1784				<div class="elementor-element elementor-element-6962acb elementor-widget elementor-widget-heading" data-id="6962acb" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default">
1785				<div class="elementor-widget-container">
1786					<h3 class="elementor-heading-title elementor-size-default">ABLE Uses</h3>				</div>
1787				</div>
1788				<div class="elementor-element elementor-element-6464737 elementor-widget elementor-widget-text-editor" data-id="6464737" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default">
1789				<div class="elementor-widget-container">
1790									<p>Johnny has a disability and has been collecting SSI for a number of years. Johnny&#8217;s grandmother wants to give him a gift of $5,000. since Johnny has an ABLE account, Johnny instructs grandma to deposit the $5,000 into his ABLE account. Johnny now has $5,000 that he can spend on what he wants or needs, and still qualify for SSI benefits.</p>								</div>
1791				</div>
1792					</div>
1793		</div>
1794					</div>
1795		</section>
1796				<section class="elementor-section elementor-top-section elementor-element elementor-element-7e4f7f10 elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="7e4f7f10" data-element_type="section" data-e-type="section">
1797						<div class="elementor-container elementor-column-gap-default">
1798					<div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2104307c" data-id="2104307c" data-element_type="column" data-e-type="column">
1799			<div class="elementor-widget-wrap elementor-element-populated">
1800						<div class="elementor-element elementor-element-e4603da elementor-widget elementor-widget-heading" data-id="e4603da" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default">
1801				<div class="elementor-widget-container">
1802					<h2 class="elementor-heading-title elementor-size-default">Opening &amp; Investing an ABLE Account
1803</h2>				</div>
1804				</div>
1805				<div class="elementor-element elementor-element-f862e3f elementor-widget elementor-widget-text-editor" data-id="f862e3f" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default">
1806				<div class="elementor-widget-container">
1807									<p>As long as a state&#8217;s ABLE program allows enrollment by out-of-state residents, you have the freedom to enroll in any state&#8217;s ABLE program regardless of where you reside and whether or not your state has established an ABLE program.</p><p>State ABLE programs that are open for enrollment nationwide are Ohio, Nebraska, and Tennessee. On the other hand, the Florida ABLE United program is an example of a state ABLE program that only allows enrollment for residents within the state.</p><p>Similar to 529 college savings plans, states are expected to provide various options for eligible individuals and families to establish ABLE accounts with different investment strategies. It is crucial to choose an investment option that aligns with your planned use of the ABLE funds and your risk tolerance. You have the flexibility to modify your investment selections within your account twice per year.</p>								</div>
1808				</div>
1809				<div class="elementor-element elementor-element-b0f1e61 elementor-widget-divider--view-line elementor-widget elementor-widget-divider" data-id="b0f1e61" data-element_type="widget" data-e-type="widget" data-widget_type="divider.default">
1810				<div class="elementor-widget-container">
1811							<div class="elementor-divider">
1812			<span class="elementor-divider-separator">
1813						</span>
1814		</div>
1815						</div>
1816				</div>
1817				<section class="elementor-section elementor-inner-section elementor-element elementor-element-60e0d18 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="60e0d18" data-element_type="section" data-e-type="section">
1818						<div class="elementor-container elementor-column-gap-default">
1819					<div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-8125df
18190" data-id="8125df0" data-element_type="column" data-e-type="column">
1820			<div class="elementor-widget-wrap elementor-element-populated">
1821						<div class="elementor-element elementor-element-ceff4fd elementor-widget elementor-widget-heading" data-id="ceff4fd" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default">
1822				<div class="elementor-widget-container">
1823					<h2 class="elementor-heading-title elementor-size-default">Determine Which ABLE Programs Are Accepting Out Of State Programs
1824</h2>				</div>
1825				</div>
1826				<div class="elementor-element elementor-element-126e424 elementor-widget elementor-widget-text-editor" data-id="126e424" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default">
1827				<div class="elementor-widget-container">
1828									<p><a href="#find-your-state-program">Use our quick form to jump to our state-by-state guide to every ABLE program</a>. It shows which programs accept out-of-state residents.</p>								</div>
1829				</div>
1830					</div>
1831		</div>
1832				<div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-1b2925c" data-id="1b2925c" data-element_type="column" data-e-type="column">
1833			<div class="elementor-widget-wrap elementor-element-populated">
1834						<div class="elementor-element elementor-element-29dee1b elementor-widget elementor-widget-image" data-id="29dee1b" data-element_type="widget" data-e-type="widget" data-widget_type="image.default">
1835				<div class="elementor-widget-container">
1836																<a href="https://www.ablenrc.org/select-a-state-program/">
1837							<img loading="lazy" decoding="async" width="740" height="482" src="https://www.specialneedstrustsonline.com/wp-content/uploads/2024/02/Able-account-Out-of-state-program-ABLE-National-Resource-Center.png" class="attachment-large size-large wp-image-5686" alt="A color-coded map of the United States indicating the availability of ABLE accounts, with most states shaded in green, symbolizing widespread access to ABLE programs across the nation." srcset="https://www.specialneedstrustsonline.com/wp-content/uploads/2024/02/Able-account-Out-of-state-program-ABLE-National-Resource-Center.png 773w, https://www.specialneedstrustsonline.com/wp-content/uploads/2024/02/Able-account-Out-of-state-program-ABLE-National-Resource-Center-300x195.png 300w, https://www.specialneedstrustsonline.com/wp-content/uploads/2024/02/Able-account-Out-of-state-program-ABLE-National-Resource-Center-768x500.png 768w" sizes="100vw" />								</a>
1838															</div>
1839				</div>
1840					</div>
1841		</div>
1842					</div>
1843		</section>
1844				<div class="elementor-element elementor-element-5626458 elementor-widget-divider--view-line elementor-widget elementor-widget-divider" data-id="5626458" data-element_type="widget" data-e-type="widget" data-widget_type="divider.default">
1845				<div class="elementor-widget-container">
1846							<div class="elementor-divider">
1847			<span class="elementor-divider-separator">
1848						</span>
1849		</div>
1850						</div>
1851				</div>
1852				<div class="elementor-element elementor-element-819e033 elementor-widget elementor-widget-heading" data-id="819e033" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default">
1853				<div class="elementor-widget-container">
1854					<h2 class="elementor-heading-title elementor-size-default">Benefits Of ABLE Accounts
1855</h2>				</div>
1856				</div>
1857				<section class="elementor-section elementor-inner-section elementor-element elementor-element-d8eacc7 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="d8eacc7" data-element_type="section" data-e-type="section">
1858						<div class="elementor-container elementor-column-gap-default">
1859					<div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-d936dd9" data-id="d936dd9" data-element_type="column" data-e-type="column">
1860			<div class="elementor-widget-wrap elementor-element-populated">
1861						<div class="elementor-element elementor-element-5028eb9 elementor-widget elementor-widget-image" data-id="5028eb9" data-element_type="widget" data-e-type="widget" data-widget_type="image.default">
1862				<div class="elementor-widget-container">
1863															<img loading="lazy" decoding="async" width="704" height="467" src="https://www.specialneedstrustsonline.com/wp-content/uploads/2024/02/Able-Account-The-benefits-of-an-ABLE-account.png" class="attachment-large size-large wp-image-5833" alt="A confident professional woman in a white shirt and tie sits in a wheelchair, with a poised and cheerful demeanor, representing the empowerment that able accounts can offer." srcset="https://www.specialneedstrustsonline.com/wp-content/uploads/2024/02/Able-Account-The-benefits-of-an-ABLE-account.png 704w, https://www.specialneedstrustsonline.com/wp-content/uploads/2024/02/Able-Account-The-benefits-of-an-ABLE-account-300x199.png 300w" sizes="100vw" />															</div>
1864				</div>
1865					</div>
1866		</div>
1867				<div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-49afa89" data-id="49afa89" data-element_type="column" data-e-type="column">
1868			<div class="elementor-widget-wrap elementor-element-populated">
1869						<div class="elementor-element elementor-element-04e8827 elementor-widget elementor-widget-heading" data-id="04e8827" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default">
1870				<div class="elementor-widget-container">
1871					<h3 class="elementor-heading-title elementor-size-default">Cover the cost of housing and related expenses
1872</h3>				</div>
1873				</div>
1874				<div class="elementor-element elementor-element-0a238b9 elementor-widget elementor-widget-text-editor" data-id="0a238b9" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default">
1875				<div class="elementor-widget-container">
1876									<p>ABLE accounts can be used to cover the expenses of the person with a disability. These may include expenses related to:<br />Education</p><ul><li>Food</li><li>Housing</li><li>Transportation</li><li>Employment training and support</li><li>Assistive technology</li><li>Personal support services</li><li>Health care expenses</li><li>Financial management and administrative services</li></ul>								</div>
1877				</div>
1878					</div>
1879		</div>
1880					</div>
1881		</section>
1882				<div class="elementor-element elementor-element-3915a09 elementor-widget elementor-widget-heading" data-id="3915a09" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default">
1883				<div class="elementor-widget-container">
1884					<h3 class="elementor-heading-title elementor-size-default">Allow Your Money To Grow Tax-Free
1885</h3>				</div>
1886				</div>
1887				<div class="elementor-element elementor-element-76f50e3 elementor-widget elementor-widget-text-editor" data-id="76f50e3" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default">
1888				<div class="elementor-widget-container">
1889									<p>Most states do not tax the interest earned on ABLE accounts at the federal or state level.</p>								</div>
1890				</div>
1891				<div class="elementor-element elementor-element-20a668b elementor-widget elementor-widget-heading" data-id="20a668b" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default">
1892				<div class="elementor-widget-container">
1893					<h3 class="elementor-heading-title elementor-size-default">Protect Your Government Benefits With An ABLE Account
1894</h3>				</div>
1895				</div>
1896				<div class="elementor-element elementor-element-646444c elementor-widget elementor-widget-text-editor" data-id="646444c" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default">
1897				<div class="elementor-widget-container">
1898									<p>You can have up to $100,000 in your ABLE account and still qualify for governmental benefits. the Assets in this account do not count when determining governmental benefits.</p>								</div>
1899				</div>
1900					</div>
1901		</div>
1902					</div>
1903		</section>
1904				<section class="elementor-section elementor-top-section elementor-element elementor-element-6c42dbb8 elementor-section-stretched elementor-section-height-min-height elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-items-middle" data-id="6c42dbb8" data-element_type="section" data-e-type="section" data-settings="{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;,&quot;shape_divider_top&quot;:&quot;waves&quot;,&quot;shape_divider_bottom&quot;:&quot;waves&quot;}">
1905							<div class="elementor-background-overlay"></div>
1906						<div class="elementor-shape elementor-shape-top" aria-hidden="true" data-negative="false">
1907			<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 1000 100" preserveAspectRatio="none">
1908	<path class="elementor-shape-fill" d="M421.9,6.5c22.6-2.5,51.5,0.4,75.5,5.3c23.6,4.9,70.9,23.5,100.5,35.7c75.8,32.2,133.7,44.5,192.6,49.7
1909	c23.6,2.1,48.7,3.5,103.4-2.5c54.7-6,106.2-25.6,106.2-25.6V0H0v30.3c0,0,72,32.6,158.4,30.5c39.2-0.7,92.8-6.7,134-22.4
1910	c21.2-8.1,52.2-18.2,79.7-24.2C399.3,7.9,411.6,7.5,421.9,6.5z"/>
1911</svg>		</div>
1912				<div class="elementor-shape elementor-shape-bottom" aria-hidden="true" data-negative="false">
1913			<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 1000 100" preserveAspectRatio="none">
1914	<path class="elementor-shape-fill" d="M421.9,6.5c22.6-2.5,51.5,0.4,75.5,5.3c23.6,4.9,70.9,23.5,100.5,35.7c75.8,32.2,133.7,44.5,192.6,49.7
1915	c23.6,2.1,48.7,3.5,103.4-2.5c54.7-6,106.2-25.6,106.2-25.6V0H0v30.3c0,0,72,32.6,158.4,30.5c39.2-0.7,92.8-6.7,134-22.4
1916	c21.2-8.1,52.2-18.2,79.7-24.2C399.3,7.9,411.6,7.5,421.9,6.5z"/>
1917</svg>		</div>
1918					<div class="elementor-container elementor-column-gap-default">
1919					<div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ee06a61" data-id="ee06a61" data-element_type="column" data-e-type="column" data-settings="{&quot;background_background&quot;:&quot;classic&quot;}">
1920			<div class="elementor-widget-wrap elementor-element-populated">
1921					<div class="elementor-background-overlay"></div>
1922						<div class="elementor-element elementor-element-ff9cb34 elementor-widget elementor-widget-heading" data-id="ff9cb34" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default">
1923				<div class="elementor-widget-container">
1924					<h2 class="elementor-heading-title elementor-size-default">The Impacts ABLE Accounts Have On Government Benefits
1925</h2>				</div>
1926				</div>
1927				<div class="elementor-element elementor-element-7965ec23 elementor-widget elementor-widget-text-editor" data-id="7965ec23" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default">
1928				<div class="elementor-widget-container">
1929									An ABLE account will allow you to have more than $2,000, actually up to $100,000, and allow you to still collect SSI and other governmental benefits. The biggest challenge when getting government benefits is to make sure that you do not accumulate more assets that will disqualify you from collecting SSI, or other governmental programs.
1930								</div>
1931				</div>
1932					</div>
1933		</div>
1934					</div>
1935		</section>
1936				<section class="elementor-section elementor-top-section elementor-element elementor-element-32d8633 elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="32d8633" data-element_type="section" data-e-type="section">
1937						<div class="elementor-container elementor-column-gap-default">
1938					<div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-910ccb1" data-id="910ccb1" data-element_type="column" data-e-type="column">
1939			<div class="elementor-widget-wrap elementor-element-populated">
1940						<div class="elementor-element elementor-element-286b7f2 elementor-widget elementor-widget-heading" data-id="286b7f2" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default">
1941				<div class="elementor-widget-container">
1942					<h2 class="elementor-heading-title elementor-size-default"> So, Do I Need An ABLE Account Or A Special Needs Trust?
1943</h2>				</div>
1944				</div>
1945				<div class="elementor-element elementor-element-3e19853 elementor-widget elementor-widget-text-editor" data-id="3e19853" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default">
1946				<div class="elementor-widget-container">
1947									<p>You should have both an able account and a special needs they are both important tools in allowing people with disabilities to live full lives.</p><p>The able account is best used as a tool to protect assets on a short-term basis. for instance if you are getting close to the $2,000 asset limitation on your checking account and are collecting ssi, the able account is a good place to take money out of your regular checking account and deposit it in the able account, so that you will continue to be able to collect your government benefits. able accounts are very easy and free to set up. this is one of the reasons why they are a good tool to have. the downside of an able account is when the person with a disability dies the state, medicaid, has the ability to come in in charge back They spent supporting the person with a disability.</p><p>The Special Needs Trust is best used as a long-term planning tool. the Special Needs Trust is the ideal location to put money inherited from parents and grandparents. there is no asset limitation on the amount of money that can be deposited into a special needs trust. so while this account has a upper limit of 100,000, the Special Needs Trust has no such limitation, in fact you could have millions of dollars in the Special Needs Trust and still qualify for government benefits. another important difference between the able account and a Special Needs Trust is that when the person With a disability dies, the terms of the trust control where the leftover money goes. whether it goes to that person&#8217;s children, or wherever they have designated, Or whatever is designated in the trust itself. another important difference is when the person with a disability dies, the state, Medicaid, has no right to any of the assets in the trust.</p>								</div>
1948				</div>
1949					</div>
1950		</div>
1951					</div>
1952		</section>
1953				<section class="elementor-section elementor-top-section elementor-element elementor-element-c62df99 elementor-section-stretched elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle" data-id="c62df99" data-element_type="section" data-e-type="section" data-settings="{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}">
1954							<div class="elementor-background-overlay"></div>
1955							<div class="elementor-container elementor-column-gap-default">
1956					<div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ca30c6c" data-id="ca30c6c" data-element_type="column" data-e-type="column" data-settings="{&quot;background_background&quot;:&quot;classic&quot;}">
1957			<div class="elementor-widget-wrap elementor-element-populated">
1958					<div class="elementor-background-overlay"></div>
1959						<div class="elementor-element elementor-element-49b2388 elementor-widget elementor-widget-heading" data-id="49b2388" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default">
1960				<div class="elementor-widget-container">
1961					<div class="elementor-heading-title elementor-size-default"><span class="elementor-heading-title elementor-size-default elementor-inline-editing pen" data-elementor-setting-key="title" data-pen-placeholder="Type Here..." style="clear: both;text-align: center">Attorneys typically charge in excess of $3,000 for these same documents.</span></div>
1961				</div>
1962				</div>
1963				<div class="elementor-element elementor-element-7eb121f elementor-widget elementor-widget-text-editor" data-id="7eb121f" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default">
1964				<div class="elementor-widget-container">
1965									<p><span style="font-size: 18px; text-align: center;">Book a free consultation to learn more about how my services can help you provide financial protection for a child with special needs.</span></p>								</div>
1966				</div>
1967				<div class="elementor-element elementor-element-9609b4a elementor-align-center elementor-widget elementor-widget-button" data-id="9609b4a" data-element_type="widget" data-e-type="widget" data-widget_type="button.default">
1968				<div class="elementor-widget-container">
1969									<div class="elementor-button-wrapper">
1970					<a class="elementor-button elementor-button-link elementor-size-sm" href="https://specialneedstrustsonline.com/booking-page/">
1971						<span class="elementor-button-content-wrapper">
1972									<span class="elementor-button-text">Book An Appointment</span>
1973					</span>
1974					</a>
1975				</div>
1976								</div>
1977				</div>
1978					</div>
1979		</div>
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1985			<div class="elementor-widget-wrap elementor-element-populated">
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1987				<div class="elementor-widget-container">
1988					<style>
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2120</style>
2121
2122<div id="snt-related-root">
2123  <section class="sr-section" aria-label="Our services">
2124    <p class="sr-intro">Everything your family needs to build a complete plan — explore our services and find the right fit.</p>
2125
2126    <div class="sr-carousel">
2127      <button class="sr-arrow sr-prev" type="button" aria-label="Previous services"><svg viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2.4" stroke-linecap="round" stroke-linejoin="round"><path d="M15 6l-6 6 6 6"/></svg></button>
2128      <div class="sr-scroll">
2129        <a class="sr-card" href="https://www.specialneedstrustsonline.com/letter-of-intent/">
2130          <div class="sr-thumb">
2131            <img decoding="async" src="https://www.specialneedstrustsonline.com/wp-content/uploads/2026/02/SNT-cover-22-Feb.webp" alt="FREE Letter of Intent" loading="lazy">
2132          </div>
2133          <div class="sr-body">
2134            <h3 class="sr-name">FREE Letter of Intent</h3>
2135            <p class="sr-desc">Document care details and preferences for future caregivers — free.</p>
2136            <span class="sr-link">Learn more <svg viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2.4" stroke-linecap="round" stroke-linejoin="round"><path d="M5 12h14M13 6l6 6-6 6"/></svg></span>
2137          </div>
2138        </a>
2139        <a class="sr-card" href="https://www.specialneedstrustsonline.com/third-party-special-needs-trust/">
2140          <div class="sr-thumb">
2141            <img decoding="async" src="https://www.specialneedstrustsonline.com/wp-content/uploads/2025/12/nathan-anderson-FHiJWoBodrs-unsplash-scaled.webp" alt="Third-Party Trust for Parents" loading="lazy">
2142          </div>
2143          <div class="sr-body">
2144            <h3 class="sr-name">Third-Party Trust for Parents</h3>
2145            <p class="sr-desc">Leave gifts or inheritance to a loved one without affecting SSI or Medicaid.</p>
2146            <span class="sr-link">Learn more <svg viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2.4" stroke-linecap="round" stroke-linejoin="round"><path d="M5 12h14M13 6l6 6-6 6"/></svg></span>
2147          </div>
2148        </a>
2149        <a class="sr-card" href="https://www.specialneedstrustsonline.com/first-party-trust/">
2150          <div class="sr-thumb">
2151            <img decoding="async" src="https://www.specialneedstrustsonline.com/wp-content/uploads/2025/12/granddaughter-talking-with-her-grandmother-sitting-wheelchair-cheerful-concept-happy-family-scaled.webp" alt="First-Party Trust for Adults" loading="lazy">
2152          </div>
2153          <div class="sr-body">
2154            <h3 class="sr-name">First-Party Trust for Adults</h3>
2155            <p class="sr-desc">Protect a settlement, inheritance, or lump sum while keeping benefits.</p>
2156            <span class="sr-link">Learn more <svg viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2.4" stroke-linecap="round" stroke-linejoin="round"><path d="M5 12h14M13 6l6 6-6 6"/></svg></span>
2157          </div>
2158        </a>
2159        <a class="sr-card" href="https://www.specialneedstrustsonline.com/special-needs-trust/">
2160          <div class="sr-thumb">
2161            <img decoding="async" src="https://www.specialneedstrustsonline.com/wp-content/uploads/2026/05/SNT-Cover-3rd-May.webp" alt="Wills and Trust for Parents" loading="lazy">
2162          </div>
2163          <div class="sr-body">
2164            <h3 class="sr-name">Wills and Trust for Parents</h3>
2165            <p class="sr-desc">A coordinated Will and trust that work together to protect benefits.</p>
2166            <span class="sr-link">Learn more <svg viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2.4" stroke-linecap="round" stroke-linejoin="round"><path d="M5 12h14M13 6l6 6-6 6"/></svg></span>
2167          </div>
2168        </a>
2169        <a class="sr-card" href="https://www.specialneedstrustsonline.com/healthcare-directives/">
2170          <div class="sr-thumb">
2171            <img decoding="async" src="https://www.specialneedstrustsonline.com/wp-content/uploads/2024/02/Special-needs-trusts-when-to-get-one.png" alt="Healthcare Directives" loading="lazy">
2172          </div>
2173          <div class="sr-body">
2174            <h3 class="sr-name">Healthcare Directives</h3>
2175            <p class="sr-desc">Name a trusted person to make medical decisions for you.</p>
2176            <span class="sr-link">Learn more <svg viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2.4" stroke-linecap="round" stroke-linejoin="round"><path d="M5 12h14M13 6l6 6-6 6"/></svg></span>
2177          </div>
2178        </a>
2179        <a class="sr-card" href="https://www.specialneedstrustsonline.com/power-of-attorney/">
2180          <div class="sr-thumb">
2181            <img decoding="async" src="https://www.specialneedstrustsonline.com/wp-content/uploads/2025/12/granddaughter-talking-with-her-grandmother-sitting-wheelchair-cheerful-concept-happy-family-scaled.webp" alt="Power of Attorney" loading="lazy">
2182          </div>
2183          <div class="sr-body">
2184            <h3 class="sr-name">Power of Attorney</h3>
2185            <p class="sr-desc">Appoint trusted help with finances, benefits, and daily matters.</p>
2186            <span class="sr-link">Learn more <svg viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2.4" stroke-linecap="round" stroke-linejoin="round"><path d="M5 12h14M13 6l6 6-6 6"/></svg></span>
2187          </div>
2188        </a>
2189        <a class="sr-card" href="https://www.specialneedstrustsonline.com/power-of-attorney-for-education/">
2190          <div class="sr-thumb">
2191            <img decoding="async" src="https://www.specialneedstrustsonline.com/wp-content/uploads/2026/01/SNT-cover-25-jan.webp" alt="Power of Attorney for Education" loading="lazy">
2192          </div>
2193          <div class="sr-body">
2194            <h3 class="sr-name">Power of Attorney for Education</h3>
2195            <p class="sr-desc">Keep family support for IEP, 504, and college after 18.</p>
2196            <span class="sr-link">Learn more <svg viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2.4" stroke-linecap="round" stroke-linejoin="round"><path d="M5 12h14M13 6l6 6-6 6"/></svg></span>
2197          </div>
2198        </a>
2199        <a class="sr-card" href="https://www.specialneedstrustsonline.com/supported-decision-making/">
2200          <div class="sr-thumb">
2201            <img decoding="async" src="https://www.specialneedstrustsonline.com/wp-content/uploads/2026/02/SNT-cover-8-Feb.webp" alt="Supported Decision-Making" loading="lazy">
2202          </div>
2203          <div class="sr-body">
2204            <h3 class="sr-name">Supported Decision-Making</h3>
2205            <p class="sr-desc">A less restrictive alternative to guardianship.</p>
2206            <span class="sr-link">Learn more <svg viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2.4" stroke-linecap="round" stroke-linejoin="round"><path d="M5 12h14M13 6l6 6-6 6"/></svg></span>
2207          </div>
2208        </a>
2209        <a class="sr-card" href="https://www.specialneedstrustsonline.com/able-account/">
2210          <div class="sr-thumb">
2211            <img decoding="async" src="https://www.specialneedstrustsonline.com/wp-content/uploads/2025/12/vecteezy_smiling-boy-in-wheelchair-at-accessible-playground_73861190-scaled.webp" alt="ABLE Account" loading="lazy">
2212          </div>
2213          <div class="sr-body">
2214            <h3 class="sr-name">ABLE Account</h3>
2215            <p class="sr-desc">Save and pay for qualified disability expenses while protecting key benefits.</p>
2216            <span class="sr-link">Learn more <svg viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2.4" stroke-linecap="round" stroke-linejoin="round"><path d="M5 12h14M13 6l6 6-6 6"/></svg></span>
2217          </div>
2218        </a>
2219      </div>
2220      <button class="sr-arrow sr-next" type="button" aria-label="Next services"><svg viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2.4" stroke-linecap="round" stroke-linejoin="round"><path d="M9 6l6 6-6 6"/></svg></button>
2221    </div>
2222  </section>
2223</div>
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2259					</div>
2260		</div>
2261					</div>
2262		</section>
2263				<section class="elementor-section elementor-top-section elementor-element elementor-element-9c134d2 elementor-section-full_width elementor-section-stretched elementor-section-height-default elementor-section-height-default" data-id="9c134d2" data-element_type="section" data-e-type="section" data-settings="{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;gradient&quot;}">
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2266			<div class="elementor-widget-wrap elementor-element-populated">
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2268				<div class="elementor-widget-container">
2269									<p>Special NeedsTrusts Online is the only online special needs trust platform created by a national disability-law expert and parent, operated by a nonprofit, and designed to guide families in plain English from start to finish without high fees, confusing legal jargon, or risky template forms.</p>								</div>
2270				</div>
2271					</div>
2272		</div>
2273					</div>
2274		</section>
2275				<section class="elementor-section elementor-top-section elementor-element elementor-element-1c0596d elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="1c0596d" data-element_type="section" data-e-type="section">
2276						<div class="elementor-container elementor-column-gap-default">
2277					<div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9db5a68" data-id="9db5a68" data-element_type="column" data-e-type="column">
2278			<div class="elementor-widget-wrap elementor-element-populated">
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2280				<div class="elementor-widget-container">
2281					<h2 class="elementor-heading-title elementor-size-default">Understand What Payback Provisions Are</h2>				</div>
2282				</div>
2283				<div class="elementor-element elementor-element-c88dc1a elementor-widget elementor-widget-text-editor" data-id="c88dc1a" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default">
2284				<div class="elementor-widget-container">
2285									If there is any money left in the able account when the person with a disability dies that money will be used to pay any Medicaid liens. this is the major difference between using an able account and a Special Needs Trust. 
2286								</div>
2287				</div>
2288				<div class="elementor-element elementor-element-d623487 elementor-widget-divider--view-line elementor-widget elementor-widget-divider" data-id="d623487" data-element_type="widget" data-e-type="widget" data-widget_type="divider.default">
2289				<div class="elementor-widget-container">
2290							<div class="elementor-divider">
2291			<span class="elementor-divider-separator">
2292						</span>
2293		</div>
2294						</div>
2295				</div>
2296				<div class="elementor-element elementor-element-f0b6dcc elementor-widget elementor-widget-heading" data-id="f0b6dcc" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default">
2297				<div class="elementor-widget-container">
2298					<h2 class="elementor-heading-title elementor-size-default">Other Documents To Protect Your Loved Ones</h2>				</div>
2299				</div>
2300					</div>
2301		</div>
2302					</div>
2303		</section>
2304				<section class="elementor-section elementor-top-section elementor-element elementor-element-30ea1cd2 elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="30ea1cd2" data-element_type="section" data-e-type="section">
2305						<div class="elementor-container elementor-column-gap-default">
2306					<div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2cf9ae4d" data-id="2cf9ae4d" data-element_type="column" data-e-type="column">
2307			<div class="elementor-widget-wrap elementor-element-populated">
2308						<div class="elementor-element elementor-element-554406b1 elementor-testimonial--skin-default elementor-testimonial--layout-image_inline elementor-testimonial--align-center elementor-arrows-yes elementor-pagination-type-bullets elementor-widget elementor-widget-testimonial-carousel" data-id="554406b1" data-element_type="widget" data-e-type="widget" data-settings="{&quot;slides_per_view&quot;:&quot;3&quot;,&quot;show_arrows&quot;:&quot;yes&quot;,&quot;pagination&quot;:&quot;bullets&quot;,&quot;speed&quot;:500,&quot;autoplay&quot;:&quot;yes&quot;,&quot;autoplay_speed&quot;:5000,&quot;loop&quot;:&quot;yes&quot;,&quot;pause_on_hover&quot;:&quot;yes&quot;,&quot;pause_on_interaction&quot;:&quot;yes&quot;,&quot;space_between&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]},&quot;space_between_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]},&quot;space_between_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]}}" data-widget_type="testimonial-carousel.default">
2309				<div class="elementor-widget-container">
2310									<div class="elementor-swiper">
2311					<div class="elementor-main-swiper swiper" role="region" aria-roledescription="carousel" aria-label="Slides">
2312				<div class="swiper-wrapper">
2313											<div class="swiper-slide" role="group" aria-roledescription="slide">
2314									<div class="elementor-testimonial">
2315							<div class="elementor-testimonial__content">
2316					<div class="elementor-testimonial__text">
2317								<div data-elementor-type="section" data-elementor-id="6509" class="elementor elementor-6509" data-elementor-post-type="elementor_library">
2318					<section class="elementor-section elementor-top-section elementor-element elementor-element-6b7d321f elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="6b7d321f" data-element_type="section" data-e-type="section">
2319						<div class="elementor-container elementor-column-gap-default">
2320					<div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3e58f481" data-id="3e58f481" data-element_type="column" data-e-type="column" data-settings="{&quot;background_background&quot;:&quot;classic&quot;}">
2321			<div class="elementor-widget-wrap elementor-element-populated">
2322						<section class="elementor-section elementor-inner-section elementor-element elementor-element-602fc0d4 elementor-section-full_width elementor-section-height-min-height elementor-section-height-default" data-id="602fc0d4" data-element_type="section" data-e-type="section" data-settings="{&quot;background_background&quot;:&quot;classic&quot;,&quot;shape_divider_bottom&quot;:&quot;book&quot;}">
2323					<div class="elementor-shape elementor-shape-bottom" aria-hidden="true" data-negative="false">
2324			<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 1000 100" preserveAspectRatio="none">
2325	<path class="elementor-shape-fill" d="M194,99c186.7,0.7,305-78.3,306-97.2c1,18.9,119.3,97.9,306,97.2c114.3-0.3,194,0.3,194,0.3s0-91.7,0-100c0,0,0,0,0-0 L0,0v99.3C0,99.3,79.7,98.7,194,99z"/>
2326</svg>		</div>
2327					<div class="elementor-container elementor-column-gap-no">
2328					<div class="elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-bc00ad8" data-id="bc00ad8" data-element_type="column" data-e-type="column" data-settings="{&quot;background_background&quot;:&quot;classic&quot;}">
2329			<div class="elementor-widget-wrap">
2330							</div>
2331		</div>
2332					</div>
2333		</section>
2334				<div class="elementor-element elementor-element-38703f11 elementor-widget elementor-widget-heading" data-id="38703f11" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default">
2335				<div class="elementor-widget-container">
2336					<div class="elementor-heading-title elementor-size-default">Letter Of Intent</div>
2336				</div>
2337				</div>
2338				<div class="elementor-element elementor-element-a0182f elementor-widget elementor-widget-text-editor" data-id="a0182f" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default">
2339				<div class="elementor-widget-container">
2340									<p>Craft your Letter of Intent to guide your loved ones through your wishes and values</p>								</div>
2341				</div>
2342				<div class="elementor-element elementor-element-694dc613 elementor-align-center elementor-widget elementor-widget-button" data-id="694dc613" data-element_type="widget" data-e-type="widget" data-widget_type="button.default">
2343				<div class="elementor-widget-container">
2344									<div class="elementor-button-wrapper">
2345					<a class="elementor-button elementor-button-link elementor-size-sm" href="https://www.specialneedstrustsonline.com/power-of-attorney-for-education/">
2346						<span class="elementor-button-content-wrapper">
2347									<span class="elementor-button-text">Click here</span>
2348					</span>
2349					</a>
2350				</div>
2351								</div>
2352				</div>
2353					</div>
2354		</div>
2355					</div>
2356		</section>
2357				</div>
2358							</div>
2359									</div>
2360						<div class="elementor-testimonial__footer">
2361											</div>
2362		</div>
2363								</div>
2364											<div class="swiper-slide" role="group" aria-roledescription="slide">
2365									<div class="elementor-testimonial">
2366							<div class="elementor-testimonial__content">
2367					<div class="elementor-testimonial__text">
2368								<div data-elementor-type="section" data-elementor-id="6506" class="elementor elementor-6506" data-elementor-post-type="elementor_library">
2369					<section class="elementor-section elementor-top-section elementor-element elementor-element-37d40df2 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="37d40df2" data-element_type="section" data-e-type="section">
2370						<div class="elementor-container elementor-column-gap-default">
2371					<div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-51e391cd" data-id="51e391cd" data-element_type="column" data-e-type="column" data-settings="{&quot;background_background&quot;:&quot;classic&quot;}">
2372			<div class="elementor-widget-wrap elementor-element-populated">
2373						<section class="elementor-section elementor-inner-section elementor-element elementor-element-d146035 elementor-section-full_width elementor-section-height-min-height elementor-section-height-default" data-id="d146035" data-element_type="section" data-e-type="section" data-settings="{&quot;background_background&quot;:&quot;classic&quot;,&quot;shape_divider_bottom&quot;:&quot;book&quot;}">
2374					<div class="elementor-shape elementor-shape-bottom" aria-hidden="true" data-negative="false">
2375			<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 1000 100" preserveAspectRatio="none">
2376	<path class="elementor-shape-fill" d="M194,99c186.7,0.7,305-78.3,306-97.2c1,18.9,119.3,97.9,306,97.2c114.3-0.3,194,0.3,194,0.3s0-91.7,0-100c0,0,0,0,0-0 L0,0v99.3C0,99.3,79.7,98.7,194,99z"/>
2377</svg>		</div>
2378					<div class="elementor-container elementor-column-gap-no">
2379					<div class="elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-39284ce7" data-id="39284ce7" data-element_type="column" data-e-type="column" data-settings="{&quot;background_background&quot;:&quot;classic&quot;}">
2380			<div class="elementor-widget-wrap">
2381							</div>
2382		</div>
2383					</div>
2384		</section>
2385				<div class="elementor-element elementor-element-39dea908 elementor-widget elementor-widget-heading" data-id="39dea908" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default">
2386				<div class="elementor-widget-container">
2387					<div class="elementor-heading-title elementor-size-default">POA For Education</div>				</div>
2388				</div>
2389				<div class="elementor-element elementor-element-5947523c elementor-widget elementor-widget-text-editor" data-id="5947523c" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default">
2390				<div class="elementor-widget-container">
2391									Establish your Power of Attorney for Education and ensure seamless decision-making								</div>
2392				</div>
2393				<div class="elementor-element elementor-element-22e70ba9 elementor-align-center elementor-widget elementor-widget-button" data-id="22e70ba9" data-element_type="widget" data-e-type="widget" data-widget_type="button.default">
2394				<div class="elementor-widget-container">
2395									<div class="elementor-button-wrapper">
2396					<a class="elementor-button elementor-button-link elementor-size-sm" href="https://www.specialneedstrustsonline.com/power-of-attorney-for-education/">
2397						<span class="elementor-button-content-wrapper">
2398									<span class="elementor-button-text">Click here</span>
2399					</span>
2400					</a>
2401				</div>
2402								</div>
2403				</div>
2404					</div>
2405		</div>
2406					</div>
2407		</section>
2408				</div>
2409							</div>
2410									</div>
2411						<div class="elementor-testimonial__footer">
2412											</div>
2413		</div>
2414								</div>
2415											<div class="swiper-slide" role="group" aria-roledescription="slide">
2416									<div class="elementor-testimonial">
2417							<div class="elementor-testimonial__content">
2418					<div class="elementor-testimonial__text">
2419								<div data-elementor-type="section" data-elementor-id="6500" class="elementor elementor-6500" data-elementor-post-type="elementor_library">
2420					<section class="elementor-section elementor-top-section elementor-element elementor-element-54bc8c54 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="54bc8c54" data-element_type="section" data-e-type="section">
2421						<div class="elementor-container elementor-column-gap-default">
2422					<div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-52bd98e7" data-id="52bd98e7" data-element_type="column" data-e-type="column" data-settings="{&quot;background_background&quot;:&quot;classic&quot;}">
2423			<div class="elementor-widget-wrap elementor-element-populated">
2424						<section class="elementor-section elementor-inner-section elementor-element elementor-element-2a49dbdb elementor-section-full_width elementor-section-height-min-height elementor-section-height-default" data-id="2a49dbdb" data-element_type="section" data-e-type="section" data-settings="{&quot;background_background&quot;:&quot;classic&quot;,&quot;shape_divider_bottom&quot;:&quot;book&quot;}">
2425					<div class="elementor-shape elementor-shape-bottom" aria-hidden="true" data-negative="false">
2426			<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 1000 100" preserveAspectRatio="none">
2427	<path class="elementor-shape-fill" d="M194,99c186.7,0.7,305-78.3,306-97.2c1,18.9,119.3,97.9,306,97.2c114.3-0.3,194,0.3,194,0.3s0-91.7,0-100c0,0,0,0,0-0 L0,0v99.3C0,99.3,79.7,98.7,194,99z"/>
2428</svg>		</div>
2429					<div class="elementor-container elementor-column-gap-no">
2430					<div class="elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-46d63053" data-id="46d63053" data-element_type="column" data-e-type="column" data-settings="{&quot;background_background&quot;:&quot;classic&quot;}">
2431			<div class="elementor-widget-wrap">
2432							</div>
2433		</div>
2434					</div>
2435		</section>
2436				<div class="elementor-element elementor-element-6527ba55 elementor-widget elementor-widget-heading" data-id="6527ba55" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default">
2437				<div class="elementor-widget-container">
2438					<div class="elementor-heading-title elementor-size-default">Power Of Attorney</div>				</div>
2439				</div>
2440				<div class="elementor-element elementor-element-29354511 elementor-widget elementor-widget-text-editor" data-id="29354511" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default">
2441				<div class="elementor-widget-container">
2442									Establish your Power of Attorney and secure your financial future								</div>
2443				</div>
2444				<div class="elementor-element elementor-element-785d62bb elementor-align-center elementor-widget elementor-widget-button" data-id="785d62bb" data-element_type="widget" data-e-type="widget" data-widget_type="button.default">
2445				<div class="elementor-widget-container">
2446									<div class="elementor-button-wrapper">
2447					<a class="elementor-button elementor-button-link elementor-size-sm" href="https://www.specialneedstrustsonline.com/power-of-attorney/">
2448						<span class="elementor-button-content-wrapper">
2449									<span class="elementor-button-text">
2449Click here</span>
2450					</span>
2451					</a>
2452				</div>
2453								</div>
2454				</div>
2455					</div>
2456		</div>
2457					</div>
2458		</section>
2459				</div>
2460							</div>
2461									</div>
2462						<div class="elementor-testimonial__footer">
2463											</div>
2464		</div>
2465								</div>
2466											<div class="swiper-slide" role="group" aria-roledescription="slide">
2467									<div class="elementor-testimonial">
2468							<div class="elementor-testimonial__content">
2469					<div class="elementor-testimonial__text">
2470								<div data-elementor-type="section" data-elementor-id="6491" class="elementor elementor-6491" data-elementor-post-type="elementor_library">
2471					<section class="elementor-section elementor-top-section elementor-element elementor-element-72c5b441 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="72c5b441" data-element_type="section" data-e-type="section">
2472						<div class="elementor-container elementor-column-gap-default">
2473					<div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-31c103c" data-id="31c103c" data-element_type="column" data-e-type="column" data-settings="{&quot;background_background&quot;:&quot;classic&quot;}">
2474			<div class="elementor-widget-wrap elementor-element-populated">
2475						<section class="elementor-section elementor-inner-section elementor-element elementor-element-7537a9dc elementor-section-full_width elementor-section-height-min-height elementor-section-height-default" data-id="7537a9dc" data-element_type="section" data-e-type="section" data-settings="{&quot;background_background&quot;:&quot;classic&quot;,&quot;shape_divider_bottom&quot;:&quot;book&quot;}">
2476					<div class="elementor-shape elementor-shape-bottom" aria-hidden="true" data-negative="false">
2477			<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 1000 100" preserveAspectRatio="none">
2478	<path class="elementor-shape-fill" d="M194,99c186.7,0.7,305-78.3,306-97.2c1,18.9,119.3,97.9,306,97.2c114.3-0.3,194,0.3,194,0.3s0-91.7,0-100c0,0,0,0,0-0 L0,0v99.3C0,99.3,79.7,98.7,194,99z"/>
2479</svg>		</div>
2480					<div class="elementor-container elementor-column-gap-no">
2481					<div class="elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-784b44da" data-id="784b44da" data-element_type="column" data-e-type="column" data-settings="{&quot;background_background&quot;:&quot;classic&quot;}">
2482			<div class="elementor-widget-wrap">
2483							</div>
2484		</div>
2485					</div>
2486		</section>
2487				<div class="elementor-element elementor-element-35ed330f elementor-widget elementor-widget-heading" data-id="35ed330f" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default">
2488				<div class="elementor-widget-container">
2489					<div class="elementor-heading-title elementor-size-default">Health Care Proxy</div>				</div>
2490				</div>
2491				<div class="elementor-element elementor-element-19a5fdf0 elementor-widget elementor-widget-text-editor" data-id="19a5fdf0" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default">
2492				<div class="elementor-widget-container">
2493									Create your Health Care Proxy and ensure your wishes are honored.								</div>
2494				</div>
2495				<div class="elementor-element elementor-element-9f2c14b elementor-align-center elementor-widget elementor-widget-button" data-id="9f2c14b" data-element_type="widget" data-e-type="widget" data-widget_type="button.default">
2496				<div class="elementor-widget-container">
2497									<div class="elementor-button-wrapper">
2498					<a class="elementor-button elementor-button-link elementor-size-sm" href="https://www.specialneedstrustsonline.com/first-party-trust/">
2499						<span class="elementor-button-content-wrapper">
2500									<span class="elementor-button-text">Click here</span>
2501					</span>
2502					</a>
2503				</div>
2504								</div>
2505				</div>
2506					</div>
2507		</div>
2508					</div>
2509		</section>
2510				</div>
2511							</div>
2512									</div>
2513						<div class="elementor-testimonial__footer">
2514											</div>
2515		</div>
2516								</div>
2517											<div class="swiper-slide" role="group" aria-roledescription="slide">
2518									<div class="elementor-testimonial">
2519							<div class="elementor-testimonial__content">
2520					<div class="elementor-testimonial__text">
2521								<div data-elementor-type="section" data-elementor-id="6488" class="elementor elementor-6488" data-elementor-post-type="elementor_library">
2522					<section class="elementor-section elementor-top-section elementor-element elementor-element-2e81b9a5 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="2e81b9a5" data-element_type="section" data-e-type="section">
2523						<div class="elementor-container elementor-column-gap-default">
2524					<div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ce5c9bf" data-id="ce5c9bf" data-element_type="column" data-e-type="column" data-settings="{&quot;background_background&quot;:&quot;classic&quot;}">
2525			<div class="elementor-widget-wrap elementor-element-populated">
2526						<section class="elementor-section elementor-inner-section elementor-element elementor-element-91eec1 elementor-section-full_width elementor-section-height-min-height elementor-section-height-default" data-id="91eec1" data-element_type="section" data-e-type="section" data-settings="{&quot;background_background&quot;:&quot;classic&quot;,&quot;shape_divider_bottom&quot;:&quot;book&quot;}">
2527					<div class="elementor-shape elementor-shape-bottom" aria-hidden="true" data-negative="false">
2528			<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 1000 100" preserveAspectRatio="none">
2529	<path class="elementor-shape-fill" d="M194,99c186.7,0.7,305-78.3,306-97.2c1,18.9,119.3,97.9,306,97.2c114.3-0.3,194,0.3,194,0.3s0-91.7,0-100c0,0,0,0,0-0 L0,0v99.3C0,99.3,79.7,98.7,194,99z"/>
2530</svg>		</div>
2531					<div class="elementor-container elementor-column-gap-no">
2532					<div class="elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-503e3754" data-id="503e3754" data-element_type="column" data-e-type="column" data-settings="{&quot;background_background&quot;:&quot;classic&quot;}">
2533			<div class="elementor-widget-wrap">
2534							</div>
2535		</div>
2536					</div>
2537		</section>
2538				<div class="elementor-element elementor-element-7b98be1e elementor-widget elementor-widget-heading" data-id="7b98be1e" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default">
2539				<div class="elementor-widget-container">
2540					<div class="elementor-heading-title elementor-size-default">First Person Trust</div>
2540				</div>
2541				</div>
2542				<div class="elementor-element elementor-element-28520a68 elementor-widget elementor-widget-text-editor" data-id="28520a68" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default">
2543				<div class="elementor-widget-container">
2544									Secure my future today with a personalized First Person Trust								</div>
2545				</div>
2546				<div class="elementor-element elementor-element-38530ad2 elementor-align-center elementor-widget elementor-widget-button" data-id="38530ad2" data-element_type="widget" data-e-type="widget" data-widget_type="button.default">
2547				<div class="elementor-widget-container">
2548									<div class="elementor-button-wrapper">
2549					<a class="elementor-button elementor-button-link elementor-size-sm" href="https://www.specialneedstrustsonline.com/first-party-trust/">
2550						<span class="elementor-button-content-wrapper">
2551									<span class="elementor-button-text">Click here</span>
2552					</span>
2553					</a>
2554				</div>
2555								</div>
2556				</div>
2557					</div>
2558		</div>
2559					</div>
2560		</section>
2561				</div>
2562							</div>
2563									</div>
2564						<div class="elementor-testimonial__footer">
2565											</div>
2566		</div>
2567								</div>
2568											<div class="swiper-slide" role="group" aria-roledescription="slide">
2569									<div class="elementor-testimonial">
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2591					<div class="elementor-heading-title elementor-size-default">Special Needs Trust</div>				</div>
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2595									Draft your Special Needs Trust today for peace of mind tomorrow!								</div>
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2600					<a class="elementor-button elementor-button-link elementor-size-sm" href="https://www.specialneedstrustsonline.com/special-needs-trust/">
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2602									<span class="elementor-button-text">Click here</span>
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2647					<h4 class="elementor-heading-title elementor-size-default">Meet Tom Sannicandro</h4>				</div>
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2651									<p>I am a special needs planning attorney and an expert in Special Needs Trusts and have been practicing disability law for more than 40 years. I am the father of an adult son with Down syndrome, so I know the challenges that families face when trying to provide a future for all their children. So if you are looking for an attorney for special needs planning, look no further. After years of the practice of law, I thought the best way to give back would be to provide special needs estate planning resources and documents for families with a child with special needs in an easy and affordable way. That is 
2651why I created this <u>501(c)(3) nonprofit</u> corporation to provide families with an affordable way to protect their loved ones. Visit our planning resource center<a href="https://www.specialneedstrustsonline.com/estate-plan/" target="_blank" rel="noopener"> now by clicking</a><a href="https://www.specialneedstrustsonline.com/special-needs-estate-planning/"> here</a> or <a href="https://www.specialneedstrustsonline.com/booking-page/">set up a free appointment with me by clicking here!</a></p>								</div>
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2657				<section class="elementor-section elementor-top-section elementor-element elementor-element-2c9a9d9 elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="2c9a9d9" data-element_type="section" data-e-type="section">
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2662				<div class="elementor-widget-container">
2663					<h2 class="elementor-heading-title elementor-size-default">Frequently Asked ABLE Account Questions</h2>				</div>
2664				</div>
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2668							<div class="elementor-accordion-item">
2669					<h3 id="elementor-tab-title-2131" class="elementor-tab-title" data-tab="1" role="button" aria-controls="elementor-tab-content-2131" aria-expanded="false">
2670													<span class="elementor-accordion-icon elementor-accordion-icon-left" aria-hidden="true">
2671															<span class="elementor-accordion-icon-closed"><i class="fas fa-plus"></i></span>
2672								<span class="elementor-accordion-icon-opened"><i class="fas fa-minus"></i></span>
2673														</span>
2674												<a class="elementor-accordion-title" tabindex="0">Who can open an ABLE account?</a>
2675					</h3>
2676					<div id="elementor-tab-content-2131" class="elementor-tab-content elementor-clearfix" data-tab="1" role="region" aria-labelledby="elementor-tab-title-2131"><p>The Eligible Individual may open and manage an ABLE account independently if they are over the age of 18.</p><p>If the Eligible Individual is a minor under the age of 18, is unABLE to open the account, or chooses to open an account but not exercise signature authority, an individual authorized to act on their behalf may open and manage the account as the Authorized Representative.</p></div>
2677				</div>
2678							<div class="elementor-accordion-item">
2679					<h3 id="elementor-tab-title-2132" class="elementor-tab-title" data-tab="2" role="button" aria-controls="elementor-tab-content-2132" aria-expanded="false">
2680													<span class="elementor-accordion-icon elementor-accordion-icon-left" aria-hidden="true">
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2682								<span class="elementor-accordion-icon-opened"><i class="fas fa-minus"></i></span>
2683														</span>
2684												<a class="elementor-accordion-title" tabindex="0">Who can serve as the Authorized Representative of an Eligible Individual?</a>
2685					</h3>
2686					<div id="elementor-tab-content-2132" class="elementor-tab-content elementor-clearfix" data-tab="2" role="region" aria-labelledby="elementor-tab-title-2132"><p>An ABLE account may be established by the Authorized Representative of an Eligible Individual in the following order of priority:</p><ul><li>The agent under a Power of Attorney, or if none</li><li>Conservator or Legal Guardian (of the person and/or property),</li><li>Spouse,</li><li>Parent,</li><li>Sibling, or</li><li>Grandparent.</li></ul><p>By opening an Eligible Individual’s ABLE account, the Authorized Representative is self-certifying that there is no other individual with a higher priority who is willing and ABLE to open and manage the ABLE account as the Authorized Representative.<br />Eligible Individuals who require the assistance of a trusted service provider also have the option to designate a Care Representative as their agent with authority to open and manage their account using a DurABLE Limited Power of Attorney for the specific management of the ABLE account.</p></div>
2687				</div>
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2689					<h3 id="elementor-tab-title-2133" class="elementor-tab-title" data-tab="3" role="button" aria-controls="elementor-tab-content-2133" aria-expanded="false">
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2693														</span>
2694												<a class="elementor-accordion-title" tabindex="0">May I open more than one ABLE account?</a>
2695					</h3>
2696					<div id="elementor-tab-content-2133" class="elementor-tab-content elementor-clearfix" data-tab="3" role="region" aria-labelledby="elementor-tab-title-2133">No. Eligible Individuals may only have one ABLE account at any time.
2697</div>
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2699							<div class="elementor-accordion-item">
2700					<h3 id="elementor-tab-title-2134" class="elementor-tab-title" data-tab="4" role="button" aria-controls="elementor-tab-content-2134" aria-expanded="false">
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2704														</span>
2705												<a class="elementor-accordion-title" tabindex="0">Can you put SSI into an ABLE account?</a>
2706					</h3>
2707					<div id="elementor-tab-content-2134" class="elementor-tab-content elementor-clearfix" data-tab="4" role="region" aria-labelledby="elementor-tab-title-2134">Yes. People with a disability who have an ABLE account who receive Social Security or SSI benefits can deposit their benefits into their ABLE accounts.
2708</div>
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2710							<div class="elementor-accordion-item">
2711					<h3 id="elementor-tab-title-2135" class="elementor-tab-title" data-tab="5" role="button" aria-controls="elementor-tab-content-2135" aria-expanded="false">
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2715														</span>
2716												<a class="elementor-accordion-title" tabindex="0">What is the difference between ABLE and Special Needs Trust?</a>
2717					</h3>
2718					<div id="elementor-tab-content-2135" class="elementor-tab-content elementor-clearfix" data-tab="5" role="region" aria-labelledby="elementor-tab-title-2135">The major difference between an able account and a Special Needs Trust is that after the person with a disability passes awayUnder a Special Needs Trust the state / Medicaid Has no right to the Assets in the trust, while in an able account when the person with a disability passes away, the state / Medicaid has a right to charge back for all money spent on the individual with a disability.
2719Another major difference between an able account and a Special Needs Trust is the ease in which they can be set up and used. enable account can be set up online for free and used immediately, well a Special Needs Trust requires special drafting, and making sure that the person&#8217;s wheels are tied to the special needs trust. this can all be done using SpecialNeedsTrustsonline.com
2720</div>
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2723					<h3 id="elementor-tab-title-2136" class="elementor-tab-title" data-tab="6" role="button" aria-controls="elementor-tab-content-2136" aria-expanded="false">
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2727														</span>
2728												<a class="elementor-accordion-title" tabindex="0">Does an an ABLE account affect SSI?</a>
2729					</h3>
2730					<div id="elementor-tab-content-2136" class="elementor-tab-content elementor-clearfix" data-tab="6" role="region" aria-labelledby="elementor-tab-title-2136">Able accounts only affect SSI benefits if there is more than $100,000 in the able account.
2731</div>
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2733							<div class="elementor-accordion-item">
2734					<h3 id="elementor-tab-title-2137" class="elementor-tab-title" data-tab="7" role="button" aria-controls="elementor-tab-content-2137" aria-expanded="false">
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2738														</span>
2739												<a class="elementor-accordion-title" tabindex="0">What are the benefits of the ABLE Account?</a>
2740					</h3>
2741					<div id="elementor-tab-content-2137" class="elementor-tab-content elementor-clearfix" data-tab="7" role="region" aria-labelledby="elementor-tab-title-2137"> the primary benefit of an Able account is allowing the person with a disability to have a savings account that can have more than $2,000 and still qualify for SSI and other government benefits. </div>
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2764									<p>Help support long-term security for your loved one with a disability.</p>								</div>
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2803					<h4 class="elementor-heading-title elementor-size-default">Navigation</h4>				</div>
2804				</div>
2805				<section class="elementor-section elementor-inner-section elementor-element elementor-element-bf2d609 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="bf2d609" data-element_type="section" data-e-type="section">
2806						<div class="elementor-container elementor-column-gap-no">
2807					<div class="elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-eb50065" data-id="eb50065" data-element_type="column" data-e-type="column">
2808			<div class="elementor-widget-wrap elementor-element-populated">
2809						<div class="elementor-element elementor-element-23f604e elementor-align-start elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list" data-id="23f604e" data-element_type="widget" data-e-type="widget" data-widget_type="icon-list.default">
2810				<div class="elementor-widget-container">
2811							<ul class="elementor-icon-list-items">
2812							<li class="elementor-icon-list-item">
2813											<a href="https://www.specialneedstrustsonline.com/about/">
2814
2815												<span class="elementor-icon-list-icon">
2816							<i aria-hidden="true" class="fas fa-caret-right"></i>						</span>
2817										<span class="elementor-icon-list-text">About</span>
2818											</a>
2819									</li>
2820								<li class="elementor-icon-list-item">
2821											<a href="https://www.specialneedstrustsonline.com/booking-page/">
2822
2823												<span class="elementor-icon-list-icon">
2824							<i aria-hidden="true" class="fas fa-caret-right"></i>						</span>
2825										<span class="elementor-icon-list-text">Appointments</span>
2826											</a>
2827									</li>
2828								<li class="elementor-icon-list-item">
2829											<a href="https://www.specialneedstrustsonline.com/price-list/">
2830
2831												<span class="elementor-icon-list-icon">
2832							<i aria-hidden="true" class="fas fa-caret-right"></i>						</span>
2833										<span class="elementor-icon-list-text">Pricing</span>
2834											</a>
2835									</li>
2836								<li class="elementor-icon-list-item">
2837											<a href="https://www.specialneedstrustsonline.com/contact/">
2838
2839												<span class="elementor-icon-list-icon">
2840							<i aria-hidden="true" class="fas fa-caret-right"></i>						</span>
2841										<span class="elementor-icon-list-text">Contact</span>
2842											</a>
2843									</li>
2844								<li class="elementor-icon-list-item">
2845											<a href="https://www.specialneedstrustsonline.com/frequently-asked-questions/">
2846
2847												<span class="elementor-icon-list-icon">
2848							<i aria-hidden="true" class="fas fa-caret-right"></i>						</span>
2849										<span class="elementor-icon-list-text">FAQ</span>
2850											</a>
2851									</li>
2852								<li class="elementor-icon-list-item">
2853											<a href="https://www.specialneedstrustsonline.com/refer-a-friend/">
2854
2855												<span class="elementor-icon-list-icon">
2856							<i aria-hidden="true" class="fas fa-caret-right"></i>						</span>
2857										<span class="elementor-icon-list-text">Refer a Friend</span>
2858											</a>
2859									</li>
2860								<li class="elementor-icon-list-item">
2861											<a href="https://www.specialneedstrustsonline.com/newsletter/">
2862
2863												<span class="elementor-icon-list-icon">
2864							<i aria-hidden="true" class="fas fa-caret-right"></i>						</span>
2865										<span class="elementor-icon-list-text">Updates — Join Our Newsletter</span>
2866											</a>
2867									</li>
2868								<li class="elementor-icon-list-item">
2869											<a href="https://www.specialneedstrustsonline.com/privacy-policy/">
2870
2871												<span class="elementor-icon-list-icon">
2872							<i aria-hidden="true" class="fas fa-caret-right"></i>						</span>
2873										<span class="elementor-icon-list-text">Privacy Policy</span>
2874											</a>
2875									</li>
2876								<li class="elementor-icon-list-item">
2877											<a href="https://www.specialneedstrustsonline.com/terms-and-conditions/">
2878
2879												<span class="elementor-icon-list-icon">
2880							<i aria-hidden="true" class="fas fa-caret-right"></i>						</span>
2881										<span class="elementor-icon-list-text">Terms and Conditions</span>
2882											</a>
2883									</li>
2884						</ul>
2885						</div>
2886				</div>
2887					</div>
2888		</div>
2889					</div>
2890		</section>
2891					</div>
2892		</div>
2893				<div class="elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-c49eb35" data-id="c49eb35" data-element_type="column" data-e-type="column">
2894			<div class="elementor-widget-wrap elementor-element-populated">
2895						<div class="elementor-element elementor-element-c11e4ea elementor-widget elementor-widget-heading" data-id="c11e4ea" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default">
2896				<div class="elementor-widget-container">
2897					<h4 class="elementor-heading-title elementor-size-default">Important Links</h4>				</div>
2898				</div>
2899				<section class="elementor-section elementor-inner-section elementor-element elementor-element-e03697c elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="e03697c" data-element_type="section" data-e-type="section">
2900						<div class="elementor-container elementor-column-gap-no">
2901					<div class="elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-0ef08e5" data-id="0ef08e5" data-element_type="column" data-e-type="column">
2902			<div class="elementor-widget-wrap elementor-element-populated">
2903						<div class="elementor-element elementor-element-d557c7b elementor-align-start elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list" data-id="d557c7b" data-element_type="widget" data-e-type="widget" data-widget_type="icon-list.default">
2904				<div class="elementor-widget-container">
2905							<ul class="elementor-icon-list-items">
2906							<li class="elementor-icon-list-item">
2907											<a href="https://www.specialneedstrustsonline.com/special-needs-trust/">
2908
2909												<span class="elementor-icon-list-icon">
2910							<i aria-hidden="true" class="fas fa-caret-right"></i>						</span>
2911										<span class="elementor-icon-list-text"> Special Needs Trusts And Wills</span>
2912											</a>
2913									</li>
2914								<li class="elementor-icon-list-item">
2915											<a href="https://www.specialneedstrustsonline.com/third-party-special-needs-trust/">
2916
2917												<span class="elementor-icon-list-icon">
2918							<i aria-hidden="true" class="fas fa-caret-right"></i>						</span>
2919										<span class="elementor-icon-list-text">Special Needs Trusts for Parents</span>
2920											</a>
2921									</li>
2922								<li class="elementor-icon-list-item">
2923											<a href="https://www.specialneedstrustsonline.com/first-party-trust/">
2924
2925												<span class="elementor-icon-list-icon">
2926							<i aria-hidden="true" class="fas fa-caret-right"></i>						</span>
2927										<span class="elementor-icon-list-text">Special Needs Trusts for Adults with Disabilities</span>
2928											</a>
2929									</li>
2930								<li class="elementor-icon-list-item">
2931											<a href="https://www.specialneedstrustsonline.com/letter-of-intent/">
2932
2933												<span class="elementor-icon-list-icon">
2934							<i aria-hidden="true" class="fas fa-caret-right"></i>						</span>
2935										<span class="elementor-icon-list-text">Letter Of Intent</span>
2936											</a>
2937									</li>
2938								<li class="elementor-icon-list-item">
2939											<a href="https://www.specialneedstrustsonline.com/healthcare-directives/">
2940
2941												<span class="elementor-icon-list-icon">
2942							<i aria-hidden="true" class="fas fa-caret-right"></i>						</span>
2943										<span class="elementor-icon-list-text">State Specific Healthcare Directives</span>
2944											</a>
2945									</li>
2946								<li class="elementor-icon-list-item">
2947											<a href="https://www.specialneedstrustsonline.com/health-care-proxy/">
2948
2949												<span class="elementor-icon-list-icon">
2950							<i aria-hidden="true" class="fas fa-caret-right"></i>						</span>
2951										<span class="elementor-icon-list-text">Health Care Proxy</span>
2952											</a>
2953									</li>
2954								<li class="elementor-icon-list-item">
2955											<a href="https://www.specialneedstrustsonline.com/power-of-attorney/">
2956
2957												<span class="elementor-icon-list-icon">
2958							<i aria-hidden="true" class="fas fa-caret-right"></i>						</span>
2959										<span class="elementor-icon-list-text">Power Of Attorney</span>
2960											</a>
2961									</li>
2962								<li class="elementor-icon-list-item">
2963											<a href="https://www.specialneedstrustsonline.com/power-of-attorney-for-education/">
2964
2965												<span class="elementor-icon-list-icon">
2966							<i aria-hidden="true" class="fas fa-caret-right"></i>						</span>
2967										<span class="elementor-icon-list-text">Power Of Attorney for Education</span>
2968											</a>
2969									</li>
2970								<li class="elementor-icon-list-item">
2971											<a href="https://www.specialneedstrustsonline.com/able-account/">
2972
2973												<span class="elementor-icon-list-icon">
2974							<i aria-hidden="true" class="fas fa-caret-right"></i>						</span>
2975										<span class="elementor-icon-list-text">Able Account</span>
2976											</a>
2977									</li>
2978						</ul>
2979						</div>
2980				</div>
2981					</div>
2982		</div>
2983					</div>
2984		</section>
2985					</div>
2986		</div>
2987				<div class="elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-273684b" data-id="273684b" data-element_type="column" data-e-type="column">
2988			<div class="elementor-widget-wrap elementor-element-populated">
2989						<div class="elementor-element elementor-element-dd8f218 elementor-widget elementor-widget-heading" data-id="dd8f218" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default">
2990				<div class="elementor-widget-container">
2991					<h4 class="elementor-heading-title elementor-size-default">Newsletter</h4>				</div>
2992				</div>
2993				<div class="elementor-element elementor-element-59155d4 elementor-button-align-stretch elementor-widget elementor-widget-form" data-id="59155d4" data-element_type="widget" data-e-type="widget" data-settings="{&quot;step_next_label&quot;:&quot;Next&quot;,&quot;step_previous_label&quot;:&quot;Previous&quot;,&quot;button_width&quot;:&quot;100&quot;,&quot;step_type&quot;:&quot;number_text&quot;,&quot;step_icon_shape&quot;:&quot;circle&quot;}" data-widget_type="form.default">
2994				<div class="elementor-widget-container">
2995							<form class="elementor-form" method="post" name="New Form" aria-label="New Form">
2996			<input type="hidden" name="post_id" value="1961"/>
2997			<input type="hidden" name="form_id" value="59155d4"/>
2998			<input type="hidden" name="referer_title" value="Page not found - Special Needs Trusts Online" />
2999
3000			
3001			<div class="elementor-form-fields-wrapper elementor-labels-">
3002								<div class="elementor-field-type-text elementor-field-group elementor-column elementor-field-group-name elementor-col-100">
3003												<label for="form-field-name" class="elementor-field-label elementor-screen-only">
3004								Name							</label>
3005														<input size="1" type="text" name="form_fields[name]" id="form-field-name" class="elementor-field elementor-size-sm  elementor-field-textual" placeholder="Your Name">
3006											</div>
3007								<div class="elementor-field-type-email elementor-field-group elementor-column elementor-field-group-email elementor-col-100 elementor-field-required">
3008												<label for="form-field-email" class="elementor-field-label elementor-screen-only">
3009								Email							</label>
3010														<input size="1" type="email" name="form_fields[email]" id="form-field-email" class="elementor-field elementor-size-sm  elementor-field-textual" placeholder="Your Email" required="required">
3011											</div>
3012								<div class="elementor-field-group elementor-column elementor-field-type-submit elementor-col-100 e-form__buttons">
3013					<button class="elementor-button elementor-size-sm" type="submit">
3014						<span class="elementor-button-content-wrapper">
3015																						<span class="elementor-button-text">Subscribe</span>
3016													</span>
3017					</button>
3018				</div>
3019			</div>
3020		</form>
3021						</div>
3022				</div>
3023					</div>
3024		</div>
3025					</div>
3026		</footer>
3027				<section class="elementor-section elementor-top-section elementor-element elementor-element-b862990 elementor-section-height-min-height elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-items-middle" data-id="b862990" data-element_type="section" data-e-type="section" data-settings="{&quot;background_background&quot;:&quot;classic&quot;}">
3028						<div class="elementor-container elementor-column-gap-default">
3029					<div class="elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-90aeb01" data-id="90aeb01" data-element_type="column" data-e-type="column">
3030			<div class="elementor-widget-wrap elementor-element-populated">
3031						<div class="elementor-element elementor-element-c752fdd elementor-widget elementor-widget-heading" data-id="c752fdd" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default">
3032				<div class="elementor-widget-container">
3033					<p class="elementor-heading-title elementor-size-default">Copyright 2025 Disability Resources for Families, Inc. All Rights Reserved</p>				</div>
3034				</div>
3035					</div>
3036		</div>
3037				<div class="elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-3d72a2d" data-id="3d72a2d" data-element_type="column" data-e-type="column">
3038			<div class="elementor-widget-wrap elementor-element-populated">
3039						<div class="elementor-element elementor-element-5cf0f74 elementor-widget elementor-widget-heading" data-id="5cf0f74" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default">
3040				<div class="elementor-widget-container">
3041					<p class="elementor-heading-title elementor-size-default">Website and Marketing by IUS Digital Solutions</p>				</div>
3042				</div>
3043					</div>
3044		</div>
3045					</div>
3046		</section>
3047				</footer>
3048		
3049<script type="speculationrules">
3050{"prefetch":[{"source":"document","where":{"and":[{"href_matches":"/*"},{"not":{"href_matches":["/wp-*.php","/wp-admin/*","/wp-content/uploads/*","/wp-content/*","/wp-content/plugins/*","/wp-content/themes/twentyseventeen/*","/*\\?(.+)"]}},{"not":{"selector_matches":"a[rel~=\"nofollow\"]"}},{"not":{"selector_matches":".no-prefetch, .no-prefetch a"}}]},"eagerness":"conservative"}]}
3051</script>
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3051
3052<script src="https://widget.heyrosie.com/widget.js" data-rosie-business-id="a90a3b2e-08f0-4383-a148-219da4c9e6a6"></script>
3052			
3052<script>
3053				const registerAllyAction = () => {
3054					if ( ! window?.ElementorProFrontendConfig || ! window?.elementorFrontend?.utils?.urlActions ) {
3055						return;
3056					}
3057
3058					elementorFrontend.utils.urlActions.addAction( 'allyWidget:open', () => {
3059						if (window?.ea11yWidget?.widget?.open) {
3060							return window.ea11yWidget.widget.isOpen()
3061								? window.ea11yWidget.widget.close()
3062								: window.ea11yWidget.widget.open();
3063						}
3064					} );
3065				};
3066
3067				const waitingLimit = 30;
3068				let retryCounter = 0;
3069
3070				const waitForElementorPro = () => {
3071					return new Promise( ( resolve ) => {
3072						const intervalId = setInterval( () => {
3073							if ( retryCounter === waitingLimit ) {
3074								resolve( null );
3075							}
3076
3077							retryCounter++;
3078
3079							if ( window.elementorFrontend && window?.elementorFrontend?.utils?.urlActions ) {
3080								clearInterval( intervalId );
3081								resolve( window.elementorFrontend );
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3083								}, 100 ); // Check every 100 milliseconds for availability of elementorFrontend
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3085				};
3086
3087				waitForElementorPro().then( () => { registerAllyAction(); });
3088			</script>
3088
3089			        <div class="searchwp-modal-form" id="searchwp-modal-652ea0d21b1427a1bfa685e40d9bc1de" aria-hidden="true">
3090			
3091<div class="searchwp-modal-form-default">
3092	<div class="searchwp-modal-form__overlay" tabindex="-1" data-searchwp-modal-form-close>
3093		<div class="searchwp-modal-form__container" role="dialog" aria-modal="true">
3094			<div class="searchwp-modal-form__content">
3095				
3096
3097<form role="search" method="get" class="search-form" action="https://www.specialneedstrustsonline.com/">
3098	<label for="search-form-1">
3099		<span class="screen-reader-text">
3100			Search for:		</span>
3101	</label>
3102	<input type="search" id="search-form-1" class="search-field" placeholder="Search &hellip;" value="" name="s" />
3103	<button type="submit" class="search-submit"><svg class="icon icon-search" aria-hidden="true" role="img"> <use href="#icon-search" xlink:href="#icon-search"></use> </svg><span class="screen-reader-text">
3104		Search	</span></button>
3105<input type="hidden" name="swpmfe" value="652ea0d21b1427a1bfa685e40d9bc1de" /></form>
3106			</div>
3107			<footer class="searchwp-modal-form__footer">
3108				<button class="searchwp-modal-form__close button" aria-label="Close" data-searchwp-modal-form-close></button>
3109			</footer>
3110		</div>
3111	</div>
3112</div>
3113
3114
3115<style>
3116    .searchwp-modal-form {
3117        display: none;
3118    }
3119
3120    .searchwp-modal-form.is-open {
3121        display: block;
3122    }
3123
3124    
3125	/* ************************************
3126	 *
3127	 * 1) Overlay and container positioning
3128	 *
3129	 ************************************ */
3130	.searchwp-modal-form-default .searchwp-modal-form__overlay {
3131		position: fixed;
3132		top: 0;
3133		left: 0;
3134		right: 0;
3135		bottom: 0;
3136		display: flex;
3137		justify-content: center;
3138		align-items: center;
3139		z-index: 9999990;
3140	}
3141
3142	.searchwp-modal-form-default .searchwp-modal-form__container {
3143		width: 100%;
3144		max-width: 500px;
3145		max-height: 100vh;
3146	}
3147
3148	.searchwp-modal-form-default .searchwp-modal-form__content {
3149		overflow-y: auto;
3150		box-sizing: border-box;
3151		position: relative;
3152		z-index: 9999998;
3153	}
3154
3155    .searchwp-modal-form-default .searchwp-modal-form__close {
3156        display: block;
3157    }
3158
3159    .searchwp-modal-form-default .searchwp-modal-form__close:before {
3160        content: "\00d7";
3161    }
3162
3163    
3164
3165    
3166	/* **************************************
3167	 *
3168	 * 2) WordPress search form customization
3169	 *
3170	 ************************************** */
3171
3172    .searchwp-modal-form-default .searchwp-modal-form__overlay {
3173        background: rgba(45, 45, 45 ,0.6);
3174    }
3175
3176    .searchwp-modal-form-default .searchwp-modal-form__content {
3177        background-color: #fff;
3178        padding: 2em;
3179        border-radius: 2px;
3180    }
3181
3182	.searchwp-modal-form-default .searchwp-modal-form__content .search-form {
3183		display: flex;
3184		align-items: center;
3185		justify-content: center;
3186	}
3187
3188	.searchwp-modal-form-default .searchwp-modal-form__content .search-form label {
3189		flex: 1;
3190		padding-right: 0.75em; /* This may cause issues depending on your theme styles. */
3191
3192		/* Some common resets */
3193		float: none;
3194		margin: 0;
3195		width: auto;
3196	}
3197
3198	.searchwp-modal-form-default .searchwp-modal-form__content .search-form label input {
3199		display: block;
3200		width: 100%;
3201		margin-left: 0.75em;
3202
3203		/* Some common resets */
3204		float: none;
3205		margin: 0;
3206	}
3207
3208	.searchwp-modal-form-default .searchwp-modal-form__footer {
3209		padding-top: 1em;
3210	}
3211
3212	.searchwp-modal-form-default .searchwp-modal-form__close {
3213        line-height: 1em;
3214		background: transparent;
3215		padding: 0.4em 0.5em;
3216        border: 0;
3217        margin: 0 auto;
3218	}
3219
3220	.searchwp-modal-form-default .searchwp-modal-form__close:before {
3221		font-size: 2em;
3222	}
3223
3224	/* ******************************************
3225	 *
3226	 * 3) Animation and display interaction setup
3227	 *
3228	 ***************************************** */
3229	@keyframes searchwpModalFadeIn {
3230		from { opacity: 0; }
3231		to { opacity: 1; }
3232	}
3233
3234	@keyframes searchwpModalFadeOut {
3235		from { opacity: 1; }
3236		to { opacity: 0; }
3237	}
3238
3239	@keyframes searchwpModalSlideIn {
3240		from { transform: translateY(15%); }
3241		to { transform: translateY(0); }
3242	}
3243
3244	@keyframes searchwpModalSlideOut {
3245		from { transform: translateY(0); }
3246		to { transform: translateY(-10%); }
3247	}
3248
3249	.searchwp-modal-form[aria-hidden="false"] .searchwp-modal-form-default .searchwp-modal-form__overlay {
3250		animation: searchwpModalFadeIn .3s cubic-bezier(0.0, 0.0, 0.2, 1);
3251	}
3252
3253	.searchwp-modal-form[aria-hidden="false"] .searchwp-modal-form-default .searchwp-modal-form__container {
3254		animation: searchwpModalSlideIn .3s cubic-bezier(0, 0, .2, 1);
3255	}
3256
3257	.searchwp-modal-form[aria-hidden="true"] .searchwp-modal-form-default .searchwp-modal-form__overlay {
3258		animation: searchwpModalFadeOut .3s cubic-bezier(0.0, 0.0, 0.2, 1);
3259	}
3260
3261	.searchwp-modal-form[aria-hidden="true"] .searchwp-modal-form-default .searchwp-modal-form__container {
3262		animation: searchwpModalSlideOut .3s cubic-bezier(0, 0, .2, 1);
3263	}
3264
3265	.searchwp-modal-form-default .searchwp-modal-form__container,
3266	.searchwp-modal-form-default .searchwp-modal-form__overlay {
3267		will-change: transform;
3268	}
3269    </style>
3270        </div>
3271				<div data-elementor-type="popup" data-elementor-id="9570" class="elementor elementor-9570 elementor-location-popup" data-elementor-settings="{&quot;entrance_animation&quot;:&quot;fadeIn&quot;,&quot;entrance_animation_duration&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;
3271:0.90000000000000002220446049250313080847263336181640625,&quot;sizes&quot;:[]},&quot;a11y_navigation&quot;:&quot;yes&quot;,&quot;triggers&quot;:{&quot;page_load_delay&quot;:1,&quot;page_load&quot;:&quot;yes&quot;},&quot;timing&quot;:{&quot;times_times&quot;:1,&quot;times&quot;:&quot;yes&quot;,&quot;devices&quot;:&quot;yes&quot;,&quot;browsers&quot;:&quot;yes&quot;,&quot;devices_devices&quot;:[&quot;desktop&quot;,&quot;mobile&quot;,&quot;tablet&quot;],&quot;browsers_browsers&quot;:&quot;all&quot;}}" data-elementor-post-type="elementor_library">
3272					<section class="elementor-section elementor-top-section elementor-element elementor-element-1485bdb elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="1485bdb" data-element_type="section" data-e-type="section">
3273						<div class="elementor-container elementor-column-gap-default">
3274					<div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c292348" data-id="c292348" data-element_type="column" data-e-type="column">
3275			<div class="elementor-widget-wrap elementor-element-populated">
3276						<div class="elementor-element elementor-element-7b1fca7 elementor-widget elementor-widget-html" data-id="7b1fca7" data-element_type="widget" data-e-type="widget" data-widget_type="html.default">
3277				<div class="elementor-widget-container">
3278					<!-- ============================================================
3279     ELEMENTOR PRO POPUP — 3-Widget Setup
3280
3281     Widget 1: HTML Widget      → Paste BLOCK 1 (styles + top content)
3282     Widget 2: Shortcode Widget  → Paste BLOCK 2 (Gravity Form shortcode)
3283     Widget 3: HTML Widget      → Paste BLOCK 3 (privacy note + JS fix)
3284
3285     ELEMENTOR POPUP SETTINGS:
3286     - Layout > Width: 560px (or your preference)
3287     - Layout > Padding: 0 (we handle padding in CSS)
3288     - Style > Background: #ffffff
3289     - Style > Border Type: none (we handle borders in CSS)
3290     - Style > Border Radius: 4px
3291     - Style > Box Shadow: none (optional)
3292     ============================================================ -->
3293
3294
3295<!-- ══════════════════════════════════════════════════════════════
3296     BLOCK 1 — HTML Widget (styles + top content)
3297     ══════════════════════════════════════════════════════════════ -->
3298
3299<style>
3300/* ---- Google Fonts ---- */
3301@import url('https://fonts.googleapis.com/css2?family=Cormorant+Garamond:ital,wght@0,400;0,500;0,600;0,700;1,400;1,600&family=Montserrat:wght@300;400;500;600&display=swap');
3302
3303/* ---- CSS Variables ---- */
3304:root {
3305  --gold:    #DB9E33;
3306  --green:   #7AA63C;
3307  --charcoal:#505050;
3308  --white:   #ffffff;
3309}
3310
3311/* ---- Scroll: disable horizontal, gold vertical scrollbar ---- */
3312.elementor-popup-modal .dialog-message,
3313.elementor-popup-modal .dialog-widget-content,
3314.elementor-popup-modal .elementor-section-wrap,
3315.elementor-popup-modal .elementor {
3316  overflow-x: hidden !important;
3317  overflow-y: auto !important;
3318}
3319
3320/* Gold scrollbar — WebKit (Chrome, Safari, Edge) */
3321.elementor-popup-modal .dialog-message::-webkit-scrollbar {
3322  width: 6px;
3323}
3324.elementor-popup-modal .dialog-message::-webkit-scrollbar-track {
3325  background: rgba(219, 158, 51, 0.1);
3326  border-radius: 3px;
3327}
3328.elementor-popup-modal .dialog-message::-webkit-scrollbar-thumb {
3329  background: var(--gold, #DB9E33);
3330  border-radius: 3px;
3331}
3332.elementor-popup-modal .dialog-message::-webkit-scrollbar-thumb:hover {
3333  background: #c48c28;
3334}
3335
3336/* Gold scrollbar — Firefox */
3337.elementor-popup-modal .dialog-message {
3338  scrollbar-width: thin;
3339  scrollbar-color: #DB9E33 rgba(219, 158, 51, 0.1);
3340}
3341
3342/* ---- Style the Elementor popup container itself ---- */
3343.elementor-popup-modal .dialog-widget-content {
3344  border-top: 5px solid var(--gold) !important;
3345  border-bottom: 5px solid var(--gold) !important;
3346  border-left: 3px solid rgba(219, 158, 51, 0.35) !important;
3347  border-right: 3px solid rgba(219, 158, 51, 0.35) !important;
3348  border-radius: 4px !important;
3349  font-family: 'Montserrat', sans-serif;
3350}
3351
3352/* ---- Consistent padding for all widgets inside popup ---- */
3353.elementor-popup-modal .elementor-widget-wrap {
3354  padding: 0 40px !important;
3355}
3356
3357/* First widget: top padding */
3358.elementor-popup-modal .elementor-section:first-child .elementor-widget-wrap,
3359.elementor-popup-modal .elementor-element:first-child .elementor-widget-wrap {
3360  padding-top: 36px !important;
3361}
3362
3363/* Last widget: bottom padding */
3364.elementor-popup-modal .elementor-section:last-child .elementor-widget-wrap,
3365.elementor-popup-modal .elementor-element:last-child .elementor-widget-wrap {
3366  padding-bottom: 40px !important;
3367}
3368
3369/* ---- Badge ---- */
3370.nds-badge {
3371  display: inline-flex;
3372  align-items: center;
3373  gap: 7px;
3374  background: var(--gold);
3375  color: var(--white);
3376  font-family: 'Montserrat', sans-serif;
3377  font-size: 10.5px;
3378  font-weight: 600;
3379  letter-spacing: 0.12em;
3380  text-transform: uppercase;
3381  padding: 5px 13px;
3382  border-radius: 2px;
3383  margin-bottom: 18px;
3384}
3385.nds-badge-star {
3386  font-size: 12px;
3387  line-height: 1;
3388}
3389
3390/* ---- Discount Headline ---- */
3391.nds-discount-line {
3392  display: flex;
3393  align-items: baseline;
3394  gap: 10px;
3395  margin-bottom: 8px;
3396}
3397.nds-discount-number {
3398  font-family: 'Cormorant Garamond', serif;
3399  font-size: 64px;
3400  font-weight: 700;
3401  color: var(--gold);
3402  line-height: 1;
3403  letter-spacing: -0.02em;
3404}
3405.nds-discount-off {
3406  font-family: 'Cormorant Garamond', serif;
3407  font-size: 26px;
3408  font-weight: 600;
3409  color: var(--charcoal);
3410  line-height: 1;
3411  letter-spacing: 0.02em;
3412}
3413
3414/* ---- Main Heading ---- */
3415.nds-popup-heading {
3416  font-family: 'Cormorant Garamond', serif;
3417  font-size: 26px;
3418  font-weight: 600;
3419  color: var(--charcoal);
3420  line-height: 1.3;
3421  margin: 0 0 10px 0;
3422}
3423
3424/* ---- Divider ---- */
3425.nds-divider {
3426  width: 48px;
3427  height: 2px;
3428  background: var(--gold);
3429  margin: 0 0 14px 0;
3430  border: none;
3431}
3432
3433/* ---- Description ---- */
3434.nds-popup-desc {
3435  font-family: 'Montserrat', sans-serif;
3436  font-size: 13px;
3437  font-weight: 400;
3438  color: var(--charcoal);
3439  line-height: 1.7;
3440  margin: 0 0 10px 0;
3441  opacity: 0.85;
3442}
3443
3444/* ---- Green highlight tag ---- */
3445.nds-highlight {
3446  background: var(--green);
3447  color: var(--white);
3448  padding: 1px 6px;
3449  border-radius: 2px;
3450  font-weight: 600;
3451  font-size: 12px;
3452}
3453
3454/* ============================================================
3455   GRAVITY FORMS OVERRIDE STYLES
3456   Scoped to .elementor-popup-modal so they apply to the
3457   Shortcode widget (Widget 2) which sits outside any card div
3458   ============================================================ */
3459
3460/* Labels */
3461.elementor-popup-modal .gfield_label,
3462.elementor-popup-modal .gform_fields .gfield label {
3463  font-family: 'Montserrat', sans-serif !important;
3464  font-size: 11px !important;
3465  font-weight: 600 !important;
3466  letter-spacing: 0.09em !important;
3467  text-transform: uppercase !important;
3468  color: var(--charcoal) !important;
3469  margin-bottom: 6px !important;
3470}
3471
3472/* Inputs & Select */
3473.elementor-popup-modal .ginput_container input[type="email"],
3474.elementor-popup-modal .ginput_container input[type="text"],
3475.elementor-popup-modal .ginput_container select,
3476.elementor-popup-modal input[type="email"],
3477.elementor-popup-modal select {
3478  width: 100% !important;
3479  font-family: 'Montserrat', sans-serif !important;
3480  font-size: 13px !important;
3481  color: var(--charcoal) !important;
3482  background: #fafafa !important;
3483  border: 1.5px solid #e0d9cc !important;
3484  border-radius: 3px !important;
3485  padding: 11px 14px !important;
3486  outline: none !important;
3487  transition: border-color 0.2s !important;
3488  appearance: none !important;
3489  -webkit-appearance: none !important;
3490  box-sizing: border-box !important;
3491}
3492
3493.elementor-popup-modal .ginput_container input[type="email"]:focus,
3494.elementor-popup-modal .ginput_container select:focus {
3495  border-color: var(--gold) !important;
3496  background: #fffdf7 !important;
3497}
3498
3499/* Select arrow */
3500.elementor-popup-modal .nds-select-wrap {
3501  position: relative;
3502}
3503.elementor-popup-modal .nds-select-wrap::after {
3504  content: '▾';
3505  position: absolute;
3506  right: 14px;
3507  top: 50%;
3508  transform: translateY(-50%);
3509  color: var(--gold);
3510  font-size: 14px;
3511  pointer-events: none;
3512}
3513
3514/* GF field spacing */
3515.elementor-popup-modal .gform_fields {
3516  display: flex !important;
3517  flex-direction: column !important;
3518  gap: 16px !important;
3519  margin: 0 !important;
3520  padding: 0 !important;
3521  list-style: none !important;
3522}
3523.elementor-popup-modal .gfield {
3524  margin: 0 !important;
3525  padding: 0 !important;
3526}
3527
3528/* Submit Button */
3529.elementor-popup-modal .gform_footer,
3530.elementor-popup-modal .gform_page_footer {
3531  padding: 0 !important;
3532  margin-top: 20px !important;
3533}
3534
3535.elementor-popup-modal input[type="submit"],
3536.elementor-popup-modal .gform_button {
3537  width: 100% !important;
3538  background: var(--gold) !important;
3539  color: var(--white) !important;
3540  font-family: 'Montserrat', sans-serif !important;
3541  font-size: 12px !important;
3542  font-weight: 600 !important;
3543  letter-spacing: 0.12em !important;
3544  text-transform: uppercase !important;
3545  border: none !important;
3546  border-radius: 3px !important;
3547  padding: 14px 24px !important;
3548  cursor: pointer !important;
3549  transition: background 0.2s, transform 0.15s !important;
3550  box-shadow: 0 4px 14px rgba(219,158,51,0.30) !important;
3551}
3552
3553.elementor-popup-modal input[type="submit"]:hover,
3554.elementor-popup-modal .gform_button:hover {
3555  background: #c48c28 !important;
3556  transform: translateY(-1px) !important;
3557}
3558
3559/* Validation error */
3560.elementor-popup-modal .gfield_error input,
3561.elementor-popup-modal .gfield_error select {
3562  border-color: #c0392b !important;
3563}
3564.elementor-popup-modal .validation_message,
3565.elementor-popup-modal .gfield_description.validation_message {
3566  font-family: 'Montserrat', sans-serif !important;
3567  font-size: 11px !important;
3568  color: #c0392b !important;
3569}
3570
3571/* ---- Privacy note ---- */
3572.nds-privacy {
3573  font-family: 'Montserrat', sans-serif;
3574  font-size: 10.5px;
3575  color: #aaa;
3576  text-align: center;
3577  margin-top: 14px;
3578  line-height: 1.5;
3579}
3580.nds-privacy a {
3581  color: var(--gold);
3582  text-decoration: none;
3583}
3584
3585/* ---- Responsive ---- */
3586@media (max-width: 600px) {
3587  .elementor-popup-modal .elementor-widget-wrap {
3588    padding: 0 24px !important;
3589  }
3590  .elementor-popup-modal .elementor-section:first-child .elementor-widget-wrap,
3591  .elementor-popup-modal .elementor-element:first-child .elementor-widget-wrap {
3592    padding-top: 28px !important;
3593  }
3594  .elementor-popup-modal .elementor-section:last-child .elementor-widget-wrap,
3595  .elementor-popup-modal .elementor-element:last-child .elementor-widget-wrap {
3596    padding-bottom: 32px !important;
3597  }
3598  .nds-discount-number {
3599    font-size: 52px;
3600  }
3601  .nds-popup-heading {
3602    font-size: 22px;
3603  }
3604}
3605@media (max-width: 380px) {
3606  .elementor-popup-modal .elementor-widget-wrap {
3607    padding: 0 18px !important;
3608  }
3609  .nds-discount-number { font-size: 44px; }
3610}
3611</style>
3612
3613<!-- Top content (no wrapper div needed — Elementor popup IS the container) -->
3614<div class="nds-badge">
3615  <span class="nds-badge-star">&#9733;</span>
3616  Exclusive Offer
3617</div>
3618
3619<div class="nds-discount-line">
3620  <span class="nds-discount-number">10%</span>
3621  <span class="nds-discount-off">OFF<br>All Services</span>
3622</div>
3623
3624<h2 class="nds-popup-heading">
3625  Subscribe &amp; Save on<br>Your Next Service
3626</h2>
3627
3628<hr class="nds-divider">
3629
3630<p class="nds-popup-desc">
3631  Subscribe to our newsletter and receive a
3632  <span class="nds-highlight">10% discount</span>
3633  on all our services. Select your preferred service below and we'll send your personalised offer straight to your inbox. If you don't see it in your inbox, check your spam or contact us at <a href="mailto:[email protected]">[email protected]</a>
3634</p>				</div>
3635				</div>
3636				<div class="elementor-element elementor-element-a1787ba elementor-widget elementor-widget-shortcode" data-id="a1787ba" data-element_type="widget" data-e-type="widget" data-widget_type="shortcode.default">
3637				<div class="elementor-widget-container">
3638							<div class="elementor-shortcode">     
3639                <div class='gf_browser_chrome gform_wrapper gravity-theme gform-theme--no-framework' data-form-theme='gravity-theme' data-form-index='0' id='gform_wrapper_50' ><div id='gf_50' class='gform_anchor' tabindex='-1'></div><form method='post' enctype='multipart/form-data' target='gform_ajax_frame_50' id='gform_50'  action='/able-account/#gf_50' data-formid='50' novalidate>
3640                        <div class='gform-body gform_body'><div id='gform_fields_50' class='gform_fields top_label form_sublabel_above description_below validation_below'><div id="field_50_5" class="gfield gfield--type-honeypot gform_validation_container field_sublabel_above gfield--has-description field_description_below field_validation_below gfield_visibility_visible"  ><label class='gfield_label gform-field-label' for='input_50_5'><span class='gform-field-label__text'>Instagram</span></label><div class='ginput_container'><input name='input_5' id='input_50_5' type='text' value='' autocomplete='new-password'/></div><div class='gfield_description' id='gfield_description_50_5'>This field is for validation purposes and should be left unchanged.</div></div><div id="field_50_1" class="gfield gfield--type-email gfield--in
3640put-type-email gfield_contains_required field_sublabel_above gfield--no-description field_description_below hidden_label field_validation_below gfield_visibility_visible"  ><label class='gfield_label gform-field-label' for='input_50_1'><span class='gform-field-label__text'>Email</span><span class="gfield_required"><span class="gfield_required gfield_required_text">(Required)</span></span></label><div class='ginput_container ginput_container_email'>
3641                            <input name='input_1' id='input_50_1' type='email' value='' class='medium'   placeholder='Enter your email' aria-required="true" aria-invalid="false"  />
3642                        </div></div><div id="field_50_4" class="gfield gfield--type-select gfield--input-type-select gfield--width-full gfield_contains_required field_sublabel_above gfield--no-description field_description_below field_validation_below gfield_visibility_visible"  ><label class='gfield_label gform-field-label' for='input_50_4'><span class='gform-field-label__text'>Preferred Service</span><span class="gfield_required"><span class="gfield_required gfield_required_text">(Required)</span></span></label><div class='ginput_container ginput_container_select'><select name='input_4' id='input_50_4' class='large gfield_select'    aria-required="true" aria-invalid="false" ><option value='Special Needs Trust &amp; Will for Parents' >Special Needs Trust &amp; Will for Parents</option><option value='Special Needs Trust for Parents' >Special Needs Trust for Parents</option><option value='Special Needs Trusts for Adults with Disabilities' >Special Needs Trusts for Adults with Disabilities</option><option value='FREE Letter Of Intent' >FREE Letter Of Intent</option><option value='State Specific Healthcare Directives' >State Specific Healthcare Directives</option><option value='Power Of Attorney' >Power Of Attorney</option><option value='Power Of Attorney For Education' >Power Of Attorney For Education</option><option value='Supported Decision Making' >Supported Decision Making</option><option value='Annual Review Subscription' >Annual Review Subscription</option><option value='Able Account' >Able Account</option></select></div></div></div></div>
3643        <div class='gform-footer gform_footer top_label'> <button type='submit' id='gform_submit_button_50' class='gform_button button' onclick='gform.submission.handleButtonClick(this);' data-submission-type='submit' >Claim My 10% Discount</button> <input type='hidden' name='gform_ajax' value='form_id=50&amp;title=&amp;description=&amp;tabindex=0&amp;theme=gravity-theme&amp;styles=[]&amp;hash=c32a23f658ecba616feab96cbc0e002a' />
3644            <input type='hidden' class='gform_hidden' name='gform_submission_method' data-js='gform_submission_method_50' value='iframe' />
3645            <input type='hidden' class='gform_hidden' name='gform_theme' data-js='gform_theme_50' id='gform_theme_50' value='gravity-theme' />
3646            <input type='hidden' class='gform_hidden' name='gform_style_settings' data-js='gform_style_settings_50' id='gform_style_settings_50' value='[]' />
3647            <input type='hidden' class='gform_hidden' name='is_submit_50' value='1' />
3648            <input type='hidden' class='gform_hidden' name='gform_submit' value='50' />
3649            
3650            <input type='hidden' class='gform_hidden' name='gform_currency' data-currency='USD' value='nCL48yorFoopmSl0u9/aSPnNoai2fIwyVRyoyIr5K+o+Idrjtpag5tjEuTYJebuKkdPSF97etWgyZBWEQ3Hfdh4PuTy81NxhkbMXxXzbbB3Pz58=' />
3651            <input type='hidden' class='gform_hidden' name='gform_unique_id' value='' />
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3669				<div class="elementor-widget-container">
3670					<p class="nds-privacy">
3671  &#128274; We respect your privacy. No spam, ever.
3672  <a href="/privacy-policy">Privacy Policy</a>
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3674				</div>
3675					</div>
3676		</div>
3677					</div>
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3707
3708			
3708<script id="wp-dom-ready-js" src="https://www.specialneedstrustsonline.com/wp-includes/js/dist/dom-ready.min.js?ver=3fe927cab37bf38d6a23"></script>
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3709
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3714
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3717<script id="gform_gravityforms_theme-js-extra">
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3720
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3721
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3725
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3730
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3731
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3735
3736<script id="wp-util-js" src="https://www.specialneedstrustsonline.com/wp-includes/js/wp-util.min.js?ver=7.1.2"></script>
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3736
3737<script id="banner-js-extra">
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3763
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3765
3766							if ( window.elementorFrontend && window?.elementorFrontend?.utils?.urlActions ) {
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3770						}, 100 );
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3774				waitForElementorPro().then( () => { registerCookiezPreferencesAction(); } );
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3777//# sourceURL=banner-js-after
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3819
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3867
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Line numbers count LF bytes from the start of the resource, as the search results do. Vendor segments are library code the classifier recognised; they are stored but not indexed. Bytes are shown as Latin1 characters, one per byte.