If you have a disabled child or family member who will need special care in the event of your passing away, you should consider setting up a special needs trust, as described by the researchers at FindLaw.
Special needs trusts are made specifically for the benefit of disabled or mentally ill beneficiaries. These beneficiaries lack the mental capacity to manage their own finances. The trust is created with the specific needs, lifestyle, and future of the beneficiary in mind. Often times these special needs trusts are used to ensure that the beneficiaries don’t lose government benefits they are receiving.