{"version":"1.0.0","segments":[{"speaker":"Meghan Smallwood","startTime":0.0,"endTime":1.89,"body":"Meghan,"},{"speaker":"Meghan Smallwood","startTime":0.0,"endTime":1.89,"body":"welcome. This is the Post"},{"speaker":"Meghan Smallwood","startTime":1.92,"endTime":4.89,"body":"Secondary Transition podcast"},{"speaker":"Meghan Smallwood","startTime":1.92,"endTime":4.89,"body":"where we have conversations"},{"speaker":"Meghan Smallwood","startTime":4.89,"endTime":7.89,"body":"around the ins and outs and"},{"speaker":"Meghan Smallwood","startTime":4.89,"endTime":7.89,"body":"everything in between of the"},{"speaker":"Meghan Smallwood","startTime":7.89,"endTime":10.95,"body":"transition process for families"},{"speaker":"Meghan Smallwood","startTime":7.89,"endTime":10.95,"body":"of students with disabilities."},{"speaker":"Meghan Smallwood","startTime":11.31,"endTime":13.92,"body":"I'm one of the hosts. My name is"},{"speaker":"Meghan Smallwood","startTime":11.31,"endTime":13.92,"body":"Meghan Smallwood, and I am a"},{"speaker":"Meghan Smallwood","startTime":13.92,"endTime":16.65,"body":"public school transition"},{"speaker":"Meghan Smallwood","startTime":13.92,"endTime":16.65,"body":"coordinator. And as always, I"},{"speaker":"Meghan Smallwood","startTime":16.65,"endTime":17.7,"body":"have my co host with me."},{"speaker":"Patrick Cadigan","startTime":18.09,"endTime":20.55,"body":"My name is"},{"speaker":"Patrick Cadigan","startTime":18.09,"endTime":20.55,"body":"Patrick Cadigan. I am also a"},{"speaker":"Patrick Cadigan","startTime":20.55,"endTime":26.16,"body":"public school transition"},{"speaker":"Patrick Cadigan","startTime":20.55,"endTime":26.16,"body":"coordinator, and here we go. We"},{"speaker":"Patrick Cadigan","startTime":26.16,"endTime":31.83,"body":"are back to have another"},{"speaker":"Patrick Cadigan","startTime":26.16,"endTime":31.83,"body":"conversation around the Post"},{"speaker":"Patrick Cadigan","startTime":31.83,"endTime":36.6,"body":"Secondary Transition process for"},{"speaker":"Patrick Cadigan","startTime":31.83,"endTime":36.6,"body":"families. Okay, that was a"},{"speaker":"Patrick Cadigan","startTime":36.6,"endTime":41.67,"body":"terrible setup. All right,"},{"speaker":"Patrick Cadigan","startTime":36.6,"endTime":41.67,"body":"Meghan, what are we talking"},{"speaker":"Patrick Cadigan","startTime":41.67,"endTime":42.24,"body":"about today?"},{"speaker":"Meghan Smallwood","startTime":43.14,"endTime":45.54,"body":"Today we're"},{"speaker":"Meghan Smallwood","startTime":43.14,"endTime":45.54,"body":"going more into that estate"},{"speaker":"Meghan Smallwood","startTime":45.54,"endTime":51.72,"body":"planning area. When you think"},{"speaker":"Meghan Smallwood","startTime":45.54,"endTime":51.72,"body":"about what to do with finances"},{"speaker":"Meghan Smallwood","startTime":51.72,"endTime":55.41,"body":"for your individual with a"},{"speaker":"Meghan Smallwood","startTime":51.72,"endTime":55.41,"body":"disability. And I know a lot of"},{"speaker":"Meghan Smallwood","startTime":55.41,"endTime":58.47,"body":"families will say, well, they"},{"speaker":"Meghan Smallwood","startTime":55.41,"endTime":58.47,"body":"don't really have a lot to worry"},{"speaker":"Meghan Smallwood","startTime":58.47,"endTime":61.71,"body":"about when they think of assets,"},{"speaker":"Meghan Smallwood","startTime":58.47,"endTime":61.71,"body":"but if you think about money"},{"speaker":"Meghan Smallwood","startTime":61.71,"endTime":66.39,"body":"coming in from SSI, or, let's"},{"speaker":"Meghan Smallwood","startTime":61.71,"endTime":66.39,"body":"say, somebody leaves them a"},{"speaker":"Meghan Smallwood","startTime":66.39,"endTime":69.21,"body":"large sum when they pass away,"},{"speaker":"Meghan Smallwood","startTime":66.39,"endTime":69.21,"body":"you've got to do something with"},{"speaker":"Meghan Smallwood","startTime":69.21,"endTime":73.98,"body":"it so it doesn't impact the SSI."},{"speaker":"Meghan Smallwood","startTime":69.21,"endTime":73.98,"body":"So there are options, and that's"},{"speaker":"Meghan Smallwood","startTime":73.98,"endTime":76.89,"body":"why they're important to know"},{"speaker":"Meghan Smallwood","startTime":73.98,"endTime":76.89,"body":"what an ABLE account and a"},{"speaker":"Meghan Smallwood","startTime":76.89,"endTime":78.57,"body":"special needs trust is."},{"speaker":"Patrick Cadigan","startTime":79.17,"endTime":81.84,"body":"Okay? So then"},{"speaker":"Patrick Cadigan","startTime":79.17,"endTime":81.84,"body":"we'll go ahead and we'll dive"},{"speaker":"Patrick Cadigan","startTime":81.84,"endTime":90.3,"body":"into it. Why don't we start then"},{"speaker":"Patrick Cadigan","startTime":81.84,"endTime":90.3,"body":"with an ABLE account? What So my"},{"speaker":"Patrick Cadigan","startTime":90.3,"endTime":92.55,"body":"understanding, and I don't know"},{"speaker":"Patrick Cadigan","startTime":90.3,"endTime":92.55,"body":"a lot about it, but my"},{"speaker":"Patrick Cadigan","startTime":92.55,"endTime":97.98,"body":"understanding, is that the ABLE"},{"speaker":"Patrick Cadigan","startTime":92.55,"endTime":97.98,"body":"accounts were set up. They were"},{"speaker":"Patrick Cadigan","startTime":97.98,"endTime":101.91,"body":"set up specifically for a"},{"speaker":"Patrick Cadigan","startTime":97.98,"endTime":101.91,"body":"reason. What do families need to"},{"speaker":"Patrick Cadigan","startTime":101.91,"endTime":102.18,"body":"know?"},{"speaker":"Meghan Smallwood","startTime":103.02,"endTime":105.24,"body":"Yeah and I was"},{"speaker":"Meghan Smallwood","startTime":103.02,"endTime":105.24,"body":"just trying to see how many"},{"speaker":"Meghan Smallwood","startTime":105.24,"endTime":110.1,"body":"states there are now that have"},{"speaker":"Meghan Smallwood","startTime":105.24,"endTime":110.1,"body":"ABLE accounts, I believe. Well,"},{"speaker":"Meghan Smallwood","startTime":110.1,"endTime":114.75,"body":"the first able program opened in"},{"speaker":"Meghan Smallwood","startTime":110.1,"endTime":114.75,"body":"2016 and now I think there's"},{"speaker":"Meghan Smallwood","startTime":114.75,"endTime":118.08,"body":"over 45 I'm not sure of the"},{"speaker":"Meghan Smallwood","startTime":114.75,"endTime":118.08,"body":"exact number, but Maryland,"},{"speaker":"Meghan Smallwood","startTime":118.08,"endTime":123.75,"body":"obviously being one of them, it"},{"speaker":"Meghan Smallwood","startTime":118.08,"endTime":123.75,"body":"is a 529 A which is related to"},{"speaker":"Meghan Smallwood","startTime":123.75,"endTime":129.06,"body":"that college savings account,"},{"speaker":"Meghan Smallwood","startTime":123.75,"endTime":129.06,"body":"which is the 529 it is not part"},{"speaker":"Meghan Smallwood","startTime":129.06,"endTime":131.91,"body":"of SSI. It's not part of"},{"speaker":"Meghan Smallwood","startTime":129.06,"endTime":131.91,"body":"Medicaid. However, like I"},{"speaker":"Meghan Smallwood","startTime":131.91,"endTime":137.34,"body":"mentioned before, it kind of"},{"speaker":"Meghan Smallwood","startTime":131.91,"endTime":137.34,"body":"gets involved with SSI because,"},{"speaker":"Meghan Smallwood","startTime":137.37,"endTime":141.51,"body":"like I said, you can have more"},{"speaker":"Meghan Smallwood","startTime":137.37,"endTime":141.51,"body":"than $2,000 in any account with"},{"speaker":"Meghan Smallwood","startTime":141.54,"endTime":144.72,"body":"the individual's name on it for"},{"speaker":"Meghan Smallwood","startTime":141.54,"endTime":144.72,"body":"SSI purposes. So you need that"},{"speaker":"Meghan Smallwood","startTime":144.72,"endTime":148.5,"body":"money to go somewhere if you're"},{"speaker":"Meghan Smallwood","startTime":144.72,"endTime":148.5,"body":"not spending it down each month."},{"speaker":"Meghan Smallwood","startTime":149.07,"endTime":153.0,"body":"So an ABLE account is a good"},{"speaker":"Meghan Smallwood","startTime":149.07,"endTime":153.0,"body":"option to hold that money. It's"},{"speaker":"Meghan Smallwood","startTime":153.0,"endTime":157.83,"body":"not taxable, it's easy to use"},{"speaker":"Meghan Smallwood","startTime":153.0,"endTime":157.83,"body":"and get the only STIP well, not"},{"speaker":"Meghan Smallwood","startTime":157.83,"endTime":160.77,"body":"the only stipulation. One of the"},{"speaker":"Meghan Smallwood","startTime":157.83,"endTime":160.77,"body":"stipulations is that it cannot"},{"speaker":"Meghan Smallwood","startTime":160.77,"endTime":167.97,"body":"exceed $15,000 annually. So if"},{"speaker":"Meghan Smallwood","startTime":160.77,"endTime":167.97,"body":"you have a money that's given to"},{"speaker":"Meghan Smallwood","startTime":167.97,"endTime":172.23,"body":"the individual as a gift, you"},{"speaker":"Meghan Smallwood","startTime":167.97,"endTime":172.23,"body":"can put it into this but if it's"},{"speaker":"Meghan Smallwood","startTime":172.26,"endTime":175.65,"body":"you know, above 15,000 then"},{"speaker":"Meghan Smallwood","startTime":172.26,"endTime":175.65,"body":"that's when a trust might come"},{"speaker":"Meghan Smallwood","startTime":175.65,"endTime":179.97,"body":"into play. You can have up to"},{"speaker":"Meghan Smallwood","startTime":175.65,"endTime":179.97,"body":"$100,000 without jeopardizing"},{"speaker":"Meghan Smallwood","startTime":179.97,"endTime":183.99,"body":"your SSI in this ABLE account."},{"speaker":"Meghan Smallwood","startTime":179.97,"endTime":183.99,"body":"And like I said, it will not"},{"speaker":"Meghan Smallwood","startTime":183.99,"endTime":189.51,"body":"affect the Medicaid part either,"},{"speaker":"Meghan Smallwood","startTime":183.99,"endTime":189.51,"body":"and it's not used as assets, so"},{"speaker":"Meghan Smallwood","startTime":189.54,"endTime":194.55,"body":"you're safe and protected from"},{"speaker":"Meghan Smallwood","startTime":189.54,"endTime":194.55,"body":"that. It can be used for a"},{"speaker":"Meghan Smallwood","startTime":194.55,"endTime":198.45,"body":"variety of things. And actually,"},{"speaker":"Meghan Smallwood","startTime":194.55,"endTime":198.45,"body":"I was going to mention about the"},{"speaker":"Meghan Smallwood","startTime":198.45,"endTime":203.61,"body":"website, which is www dot"},{"speaker":"Meghan Smallwood","startTime":198.45,"endTime":203.61,"body":"Maryland able.org but it's got a"},{"speaker":"Meghan Smallwood","startTime":203.61,"endTime":207.15,"body":"plethora of information on"},{"speaker":"Meghan Smallwood","startTime":203.61,"endTime":207.15,"body":"there, and it really goes into"},{"speaker":"Meghan Smallwood","startTime":207.15,"endTime":212.25,"body":"detail about examples of what"},{"speaker":"Meghan Smallwood","startTime":207.15,"endTime":212.25,"body":"the money can be spent on. It"},{"speaker":"Meghan Smallwood","startTime":212.25,"endTime":215.91,"body":"can cover anything basically"},{"speaker":"Meghan Smallwood","startTime":212.25,"endTime":215.91,"body":"relevant to the individual with"},{"speaker":"Meghan Smallwood","startTime":215.91,"endTime":219.15,"body":"a disability, as long as it's"},{"speaker":"Meghan Smallwood","startTime":215.91,"endTime":219.15,"body":"being used for their purposes."},{"speaker":"Meghan Smallwood","startTime":219.15,"endTime":223.77,"body":"So transportation, any kind of"},{"speaker":"Meghan Smallwood","startTime":219.15,"endTime":223.77,"body":"basic living expenses, which"},{"speaker":"Meghan Smallwood","startTime":223.77,"endTime":228.93,"body":"includes utilities for the house"},{"speaker":"Meghan Smallwood","startTime":223.77,"endTime":228.93,"body":"they live in. It can help with"},{"speaker":"Meghan Smallwood","startTime":228.93,"endTime":233.25,"body":"any additional fees you might"},{"speaker":"Meghan Smallwood","startTime":228.93,"endTime":233.25,"body":"have from medical bill or any"},{"speaker":"Meghan Smallwood","startTime":233.25,"endTime":237.27,"body":"kind of equipment that might be"},{"speaker":"Meghan Smallwood","startTime":233.25,"endTime":237.27,"body":"needed, such as wheelchairs or"},{"speaker":"Meghan Smallwood","startTime":237.27,"endTime":242.04,"body":"walkers. It can help towards"},{"speaker":"Meghan Smallwood","startTime":237.27,"endTime":242.04,"body":"their rent or mortgage of a"},{"speaker":"Meghan Smallwood","startTime":242.04,"endTime":246.12,"body":"house. It can help if they are"},{"speaker":"Meghan Smallwood","startTime":242.04,"endTime":246.12,"body":"going to further their education"},{"speaker":"Meghan Smallwood","startTime":246.48,"endTime":250.77,"body":"and they're paying for trade"},{"speaker":"Meghan Smallwood","startTime":246.48,"endTime":250.77,"body":"school or books for a college"},{"speaker":"Meghan Smallwood","startTime":250.77,"endTime":255.96,"body":"class. It helps with work"},{"speaker":"Meghan Smallwood","startTime":250.77,"endTime":255.96,"body":"related uniforms for employment,"},{"speaker":"Meghan Smallwood","startTime":256.08,"endTime":260.01,"body":"any kind of licensing or"},{"speaker":"Meghan Smallwood","startTime":256.08,"endTime":260.01,"body":"certification fees, assistive"},{"speaker":"Meghan Smallwood","startTime":260.01,"endTime":263.94,"body":"technology, obviously, I mean,"},{"speaker":"Meghan Smallwood","startTime":260.01,"endTime":263.94,"body":"the list just goes on and on of"},{"speaker":"Meghan Smallwood","startTime":263.94,"endTime":268.8,"body":"what it can be used for. So it's"},{"speaker":"Meghan Smallwood","startTime":263.94,"endTime":268.8,"body":"not like the money goes into"},{"speaker":"Meghan Smallwood","startTime":268.8,"endTime":271.02,"body":"this account and you're not"},{"speaker":"Meghan Smallwood","startTime":268.8,"endTime":271.02,"body":"allowed to touch it. It's"},{"speaker":"Meghan Smallwood","startTime":271.02,"endTime":275.88,"body":"actually fairly easy to get"},{"speaker":"Meghan Smallwood","startTime":271.02,"endTime":275.88,"body":"access to the difference between"},{"speaker":"Meghan Smallwood","startTime":275.88,"endTime":278.82,"body":"this and special needs trust,"},{"speaker":"Meghan Smallwood","startTime":275.88,"endTime":278.82,"body":"which I'll go into more detail"},{"speaker":"Meghan Smallwood","startTime":278.82,"endTime":282.6,"body":"about, is that with the trust,"},{"speaker":"Meghan Smallwood","startTime":278.82,"endTime":282.6,"body":"there's more justification"},{"speaker":"Meghan Smallwood","startTime":282.6,"endTime":286.11,"body":"needed, and typically a lawyer"},{"speaker":"Meghan Smallwood","startTime":282.6,"endTime":286.11,"body":"is involved in that process, you"},{"speaker":"Meghan Smallwood","startTime":286.11,"endTime":289.41,"body":"can have a special needs trust"},{"speaker":"Meghan Smallwood","startTime":286.11,"endTime":289.41,"body":"and an ABLE account that is"},{"speaker":"Meghan Smallwood","startTime":289.44,"endTime":293.22,"body":"allowed for ABLE accounts,"},{"speaker":"Meghan Smallwood","startTime":289.44,"endTime":293.22,"body":"though, the one thing you have"},{"speaker":"Meghan Smallwood","startTime":293.22,"endTime":297.21,"body":"to remember is that either"},{"speaker":"Meghan Smallwood","startTime":293.22,"endTime":297.21,"body":"guardianship of property for the"},{"speaker":"Meghan Smallwood","startTime":297.21,"endTime":302.46,"body":"individual is in place, or. A"},{"speaker":"Meghan Smallwood","startTime":297.21,"endTime":302.46,"body":"power of attorney. And obviously"},{"speaker":"Meghan Smallwood","startTime":302.46,"endTime":306.03,"body":"this is after they're 18, but"},{"speaker":"Meghan Smallwood","startTime":302.46,"endTime":306.03,"body":"power of attorney is perfectly"},{"speaker":"Meghan Smallwood","startTime":306.03,"endTime":311.49,"body":"fine to have to help manage the"},{"speaker":"Meghan Smallwood","startTime":306.03,"endTime":311.49,"body":"account. So like I mentioned,"},{"speaker":"Meghan Smallwood","startTime":311.49,"endTime":315.45,"body":"there's a number of states that"},{"speaker":"Meghan Smallwood","startTime":311.49,"endTime":315.45,"body":"ABLE accounts are in, and it can"},{"speaker":"Meghan Smallwood","startTime":315.45,"endTime":318.63,"body":"actually roll over from another"},{"speaker":"Meghan Smallwood","startTime":315.45,"endTime":318.63,"body":"state. So let's say you have"},{"speaker":"Meghan Smallwood","startTime":318.66,"endTime":322.23,"body":"plans to move out of Maryland"},{"speaker":"Meghan Smallwood","startTime":318.66,"endTime":322.23,"body":"eventually, if you're moving to"},{"speaker":"Meghan Smallwood","startTime":322.23,"endTime":325.26,"body":"a state where ABLE accounts are"},{"speaker":"Meghan Smallwood","startTime":322.23,"endTime":325.26,"body":"they, they can follow you there,"},{"speaker":"Meghan Smallwood","startTime":325.5,"endTime":327.93,"body":"so you don't have to worry about"},{"speaker":"Meghan Smallwood","startTime":325.5,"endTime":327.93,"body":"closing something and opening it"},{"speaker":"Meghan Smallwood","startTime":327.93,"endTime":332.97,"body":"again. Like I said, did you not"},{"speaker":"Meghan Smallwood","startTime":327.93,"endTime":332.97,"body":"need to not have SSI to open the"},{"speaker":"Meghan Smallwood","startTime":332.97,"endTime":336.24,"body":"account? But it is a benefit if"},{"speaker":"Meghan Smallwood","startTime":332.97,"endTime":336.24,"body":"you're receiving SSI and you're"},{"speaker":"Meghan Smallwood","startTime":336.24,"endTime":340.29,"body":"trying to keep that money down,"},{"speaker":"Meghan Smallwood","startTime":336.24,"endTime":340.29,"body":"and it's fairly easy to open. I"},{"speaker":"Meghan Smallwood","startTime":340.29,"endTime":343.92,"body":"know that sometimes around the"},{"speaker":"Meghan Smallwood","startTime":340.29,"endTime":343.92,"body":"state, and I know in our county,"},{"speaker":"Meghan Smallwood","startTime":343.92,"endTime":347.58,"body":"we get emails about pop up like"},{"speaker":"Meghan Smallwood","startTime":343.92,"endTime":347.58,"body":"ABLE account sessions where"},{"speaker":"Meghan Smallwood","startTime":347.58,"endTime":350.22,"body":"someone will be available to"},{"speaker":"Meghan Smallwood","startTime":347.58,"endTime":350.22,"body":"answer questions or help you"},{"speaker":"Meghan Smallwood","startTime":350.22,"endTime":354.15,"body":"open the account. They're"},{"speaker":"Meghan Smallwood","startTime":350.22,"endTime":354.15,"body":"wonderful with their assistance"},{"speaker":"Meghan Smallwood","startTime":354.18,"endTime":358.77,"body":"in the process, but you can"},{"speaker":"Meghan Smallwood","startTime":354.18,"endTime":358.77,"body":"easily go on to their website,"},{"speaker":"Meghan Smallwood","startTime":358.8,"endTime":363.3,"body":"which, again, is"},{"speaker":"Meghan Smallwood","startTime":358.8,"endTime":363.3,"body":"www.marylandable.org so to"},{"speaker":"Meghan Smallwood","startTime":363.3,"endTime":367.59,"body":"enroll and manage your account,"},{"speaker":"Meghan Smallwood","startTime":363.3,"endTime":367.59,"body":"and they also offer live chat,"},{"speaker":"Meghan Smallwood","startTime":367.59,"endTime":369.69,"body":"online requests and customer"},{"speaker":"Meghan Smallwood","startTime":367.59,"endTime":369.69,"body":"support."},{"speaker":"Patrick Cadigan","startTime":369.0,"endTime":373.2,"body":"And there will"},{"speaker":"Patrick Cadigan","startTime":369.0,"endTime":373.2,"body":"be a link in our show notes to"},{"speaker":"Patrick Cadigan","startTime":373.2,"endTime":377.34,"body":"that site. Now we obviously"},{"speaker":"Patrick Cadigan","startTime":373.2,"endTime":377.34,"body":"recognize that not everybody"},{"speaker":"Patrick Cadigan","startTime":377.37,"endTime":380.25,"body":"that is listening is going to be"},{"speaker":"Patrick Cadigan","startTime":377.37,"endTime":380.25,"body":"in the state of Maryland. So we"},{"speaker":"Patrick Cadigan","startTime":380.25,"endTime":383.91,"body":"also have an additional resource"},{"speaker":"Patrick Cadigan","startTime":380.25,"endTime":383.91,"body":"for you guys. It's the ABLE"},{"speaker":"Patrick Cadigan","startTime":383.91,"endTime":388.56,"body":"National Resource Center. Now"},{"speaker":"Patrick Cadigan","startTime":383.91,"endTime":388.56,"body":"this has a whole host of"},{"speaker":"Patrick Cadigan","startTime":388.56,"endTime":392.31,"body":"additional links that compare"},{"speaker":"Patrick Cadigan","startTime":388.56,"endTime":392.31,"body":"the different states. That can"},{"speaker":"Patrick Cadigan","startTime":392.31,"endTime":395.49,"body":"do a state plan search, or you"},{"speaker":"Patrick Cadigan","startTime":392.31,"endTime":395.49,"body":"can even select a state program."},{"speaker":"Patrick Cadigan","startTime":395.49,"endTime":399.96,"body":"So good. This is a great"},{"speaker":"Patrick Cadigan","startTime":395.49,"endTime":399.96,"body":"resource to use if you are not"},{"speaker":"Patrick Cadigan","startTime":399.96,"endTime":402.48,"body":"necessarily in the state of"},{"speaker":"Patrick Cadigan","startTime":399.96,"endTime":402.48,"body":"Maryland, or even if you're in"},{"speaker":"Patrick Cadigan","startTime":402.48,"endTime":404.76,"body":"the state of Maryland, again,"},{"speaker":"Patrick Cadigan","startTime":402.48,"endTime":404.76,"body":"there will be a link to that in"},{"speaker":"Patrick Cadigan","startTime":404.76,"endTime":410.64,"body":"the show notes. All right, so I"},{"speaker":"Patrick Cadigan","startTime":404.76,"endTime":410.64,"body":"would say that's a fairly, you"},{"speaker":"Patrick Cadigan","startTime":410.64,"endTime":415.2,"body":"know, broad overview of ABLE"},{"speaker":"Patrick Cadigan","startTime":410.64,"endTime":415.2,"body":"accounts. And again, you had"},{"speaker":"Patrick Cadigan","startTime":415.2,"endTime":419.7,"body":"talked about special needs"},{"speaker":"Patrick Cadigan","startTime":415.2,"endTime":419.7,"body":"trust. So what is the big"},{"speaker":"Patrick Cadigan","startTime":419.73,"endTime":421.53,"body":"overarching difference between"},{"speaker":"Patrick Cadigan","startTime":419.73,"endTime":421.53,"body":"the two?"},{"speaker":"Meghan Smallwood","startTime":422.64,"endTime":425.28,"body":"So for special"},{"speaker":"Meghan Smallwood","startTime":422.64,"endTime":425.28,"body":"needs, trust, like I said,"},{"speaker":"Meghan Smallwood","startTime":425.28,"endTime":430.08,"body":"typically, this involves going"},{"speaker":"Meghan Smallwood","startTime":425.28,"endTime":430.08,"body":"to the attorney, and that is"},{"speaker":"Meghan Smallwood","startTime":430.08,"endTime":433.74,"body":"just to make sure that the trust"},{"speaker":"Meghan Smallwood","startTime":430.08,"endTime":433.74,"body":"funds are just decided how to"},{"speaker":"Meghan Smallwood","startTime":433.74,"endTime":439.5,"body":"use them and everything is in"},{"speaker":"Meghan Smallwood","startTime":433.74,"endTime":439.5,"body":"order with them. I think one of"},{"speaker":"Meghan Smallwood","startTime":439.5,"endTime":444.2,"body":"the biggest things to know is"},{"speaker":"Meghan Smallwood","startTime":439.5,"endTime":444.2,"body":"that the primary purpose is to"},{"speaker":"Meghan Smallwood","startTime":444.2,"endTime":448.28,"body":"provide for the beneficiary's"},{"speaker":"Meghan Smallwood","startTime":444.2,"endTime":448.28,"body":"needs and also without"},{"speaker":"Meghan Smallwood","startTime":448.28,"endTime":451.58,"body":"jeopardizing their eligibility"},{"speaker":"Meghan Smallwood","startTime":448.28,"endTime":451.58,"body":"for SSI and other public"},{"speaker":"Meghan Smallwood","startTime":451.58,"endTime":455.3,"body":"benefits. So you can supplement,"},{"speaker":"Meghan Smallwood","startTime":451.58,"endTime":455.3,"body":"rather than supplant these"},{"speaker":"Meghan Smallwood","startTime":455.3,"endTime":461.56,"body":"benefits. So again, the survivor"},{"speaker":"Meghan Smallwood","startTime":455.3,"endTime":461.56,"body":"needs trust can be used for such"},{"speaker":"Meghan Smallwood","startTime":461.56,"endTime":464.8,"body":"a wide variety of things, and I"},{"speaker":"Meghan Smallwood","startTime":461.56,"endTime":464.8,"body":"couldn't even go, like I was"},{"speaker":"Meghan Smallwood","startTime":464.8,"endTime":467.56,"body":"going through the list, and I'm"},{"speaker":"Meghan Smallwood","startTime":464.8,"endTime":467.56,"body":"like, Huh, that's good to know."},{"speaker":"Meghan Smallwood","startTime":467.56,"endTime":470.14,"body":"Like, I think there's a fear"},{"speaker":"Meghan Smallwood","startTime":467.56,"endTime":470.14,"body":"that when you put money into"},{"speaker":"Meghan Smallwood","startTime":470.14,"endTime":473.86,"body":"accounts like this, that you"},{"speaker":"Meghan Smallwood","startTime":470.14,"endTime":473.86,"body":"it's almost like a savings"},{"speaker":"Meghan Smallwood","startTime":473.86,"endTime":476.26,"body":"account, like you leave it there"},{"speaker":"Meghan Smallwood","startTime":473.86,"endTime":476.26,"body":"and you're not allowed to touch"},{"speaker":"Meghan Smallwood","startTime":476.26,"endTime":479.2,"body":"it for certain things. But think"},{"speaker":"Meghan Smallwood","startTime":476.26,"endTime":479.2,"body":"of like tickets for travel or"},{"speaker":"Meghan Smallwood","startTime":479.2,"endTime":482.94,"body":"vacation. This is a perfect"},{"speaker":"Meghan Smallwood","startTime":479.2,"endTime":482.94,"body":"example of what the money from a"},{"speaker":"Meghan Smallwood","startTime":482.94,"endTime":485.34,"body":"special needs trust can be used"},{"speaker":"Meghan Smallwood","startTime":482.94,"endTime":485.34,"body":"for. It can be used for"},{"speaker":"Meghan Smallwood","startTime":485.34,"endTime":489.84,"body":"memberships. It can be used for"},{"speaker":"Meghan Smallwood","startTime":485.34,"endTime":489.84,"body":"clothing. I mean, obviously for"},{"speaker":"Meghan Smallwood","startTime":489.9,"endTime":493.92,"body":"DDA purposes, they will be"},{"speaker":"Meghan Smallwood","startTime":489.9,"endTime":493.92,"body":"covering a variety of things"},{"speaker":"Meghan Smallwood","startTime":493.92,"endTime":496.44,"body":"like assistive technology if"},{"speaker":"Meghan Smallwood","startTime":493.92,"endTime":496.44,"body":"it's included in your person"},{"speaker":"Meghan Smallwood","startTime":496.44,"endTime":500.42,"body":"centered plan. But you know,"},{"speaker":"Meghan Smallwood","startTime":496.44,"endTime":500.42,"body":"this is nice to have if it's not"},{"speaker":"Meghan Smallwood","startTime":500.42,"endTime":505.4,"body":"covered, and other things that"},{"speaker":"Meghan Smallwood","startTime":500.42,"endTime":505.4,"body":"come up along the way. So I"},{"speaker":"Meghan Smallwood","startTime":505.4,"endTime":509.66,"body":"think that the most important"},{"speaker":"Meghan Smallwood","startTime":505.4,"endTime":509.66,"body":"thing to recognize is that the"},{"speaker":"Meghan Smallwood","startTime":509.66,"endTime":513.92,"body":"assets need to be used for the"},{"speaker":"Meghan Smallwood","startTime":509.66,"endTime":513.92,"body":"beneficiary, sole benefit. Okay,"},{"speaker":"Meghan Smallwood","startTime":513.92,"endTime":517.16,"body":"so the prime benefit has to be"},{"speaker":"Meghan Smallwood","startTime":513.92,"endTime":517.16,"body":"them, and not for someone else."},{"speaker":"Meghan Smallwood","startTime":517.16,"endTime":519.56,"body":"And I think that is one thing,"},{"speaker":"Meghan Smallwood","startTime":517.16,"endTime":519.56,"body":"especially with the special"},{"speaker":"Meghan Smallwood","startTime":519.56,"endTime":524.68,"body":"needs trust, that they will keep"},{"speaker":"Meghan Smallwood","startTime":519.56,"endTime":524.68,"body":"a close eye on. There are, you"},{"speaker":"Meghan Smallwood","startTime":524.68,"endTime":527.44,"body":"know, certain things that it"},{"speaker":"Meghan Smallwood","startTime":524.68,"endTime":527.44,"body":"cannot be used for, such as"},{"speaker":"Meghan Smallwood","startTime":527.44,"endTime":530.5,"body":"gifts for people, and that's the"},{"speaker":"Meghan Smallwood","startTime":527.44,"endTime":530.5,"body":"same for ABLE account as well."},{"speaker":"Meghan Smallwood","startTime":531.4,"endTime":535.48,"body":"Larger purchases, obviously, are"},{"speaker":"Meghan Smallwood","startTime":531.4,"endTime":535.48,"body":"loans to other people. It has to"},{"speaker":"Meghan Smallwood","startTime":535.48,"endTime":539.68,"body":"be used at the benefit of the"},{"speaker":"Meghan Smallwood","startTime":535.48,"endTime":539.68,"body":"beneficiary. I would also say,"},{"speaker":"Meghan Smallwood","startTime":539.68,"endTime":543.54,"body":"if you're looking at a special"},{"speaker":"Meghan Smallwood","startTime":539.68,"endTime":543.54,"body":"needs trust, you definitely want"},{"speaker":"Meghan Smallwood","startTime":543.54,"endTime":546.66,"body":"to find an attorney who"},{"speaker":"Meghan Smallwood","startTime":543.54,"endTime":546.66,"body":"specializes in it or is very"},{"speaker":"Meghan Smallwood","startTime":546.66,"endTime":550.02,"body":"familiar with it. And I know in"},{"speaker":"Meghan Smallwood","startTime":546.66,"endTime":550.02,"body":"our county, we have a number of"},{"speaker":"Meghan Smallwood","startTime":550.02,"endTime":552.48,"body":"them, and some of them actually"},{"speaker":"Meghan Smallwood","startTime":550.02,"endTime":552.48,"body":"will give these kinds of"},{"speaker":"Meghan Smallwood","startTime":552.48,"endTime":555.3,"body":"informational sessions about"},{"speaker":"Meghan Smallwood","startTime":552.48,"endTime":555.3,"body":"special needs trust and other"},{"speaker":"Meghan Smallwood","startTime":555.3,"endTime":558.84,"body":"estate planning on a monthly"},{"speaker":"Meghan Smallwood","startTime":555.3,"endTime":558.84,"body":"basis. But you want someone"},{"speaker":"Meghan Smallwood","startTime":558.84,"endTime":561.86,"body":"who's knowledgeable and then"},{"speaker":"Meghan Smallwood","startTime":558.84,"endTime":561.86,"body":"kind of lead you through it the"},{"speaker":"Meghan Smallwood","startTime":561.86,"endTime":562.64,"body":"proper way."},{"speaker":"Patrick Cadigan","startTime":563.32,"endTime":566.32,"body":"Very cool. I"},{"speaker":"Patrick Cadigan","startTime":563.32,"endTime":566.32,"body":"hate to say it. I know that this"},{"speaker":"Patrick Cadigan","startTime":566.32,"endTime":572.05,"body":"is a really quick and/or short"},{"speaker":"Patrick Cadigan","startTime":566.32,"endTime":572.05,"body":"discussion. Both Meghan and I"},{"speaker":"Patrick Cadigan","startTime":572.08,"endTime":577.27,"body":"have been hammered at work"},{"speaker":"Patrick Cadigan","startTime":572.08,"endTime":577.27,"body":"lately. And for those not in the"},{"speaker":"Patrick Cadigan","startTime":577.27,"endTime":579.94,"body":"know, over here on the East"},{"speaker":"Patrick Cadigan","startTime":577.27,"endTime":579.94,"body":"Coast, or at least where we are,"},{"speaker":"Patrick Cadigan","startTime":580.42,"endTime":584.83,"body":"we keep getting these snow days,"},{"speaker":"Patrick Cadigan","startTime":580.42,"endTime":584.83,"body":"which I used to be a fan of, and"},{"speaker":"Patrick Cadigan","startTime":584.83,"endTime":588.28,"body":"now that I have changed my job"},{"speaker":"Patrick Cadigan","startTime":584.83,"endTime":588.28,"body":"and I am doing transition"},{"speaker":"Patrick Cadigan","startTime":588.28,"endTime":592.75,"body":"coordinating, I actually don't"},{"speaker":"Patrick Cadigan","startTime":588.28,"endTime":592.75,"body":"like snow days because they"},{"speaker":"Patrick Cadigan","startTime":592.75,"endTime":597.37,"body":"completely mess up my schedule,"},{"speaker":"Patrick Cadigan","startTime":592.75,"endTime":597.37,"body":"but we are planning to come back"},{"speaker":"Patrick Cadigan","startTime":598.27,"endTime":602.41,"body":"later with i. Obviously more"},{"speaker":"Patrick Cadigan","startTime":598.27,"endTime":602.41,"body":"conversations, and we look"},{"speaker":"Patrick Cadigan","startTime":602.41,"endTime":607.0,"body":"forward to that, and we will"},{"speaker":"Patrick Cadigan","startTime":602.41,"endTime":607.0,"body":"catch up with you guys soon."},{"speaker":"Meghan Smallwood","startTime":607.42,"endTime":608.77,"body":"Yep, sounds"},{"speaker":"Meghan Smallwood","startTime":607.42,"endTime":608.77,"body":"good."},{"speaker":"Patrick Cadigan","startTime":616.87,"endTime":618.91,"body":"You'll find all"},{"speaker":"Patrick Cadigan","startTime":616.87,"endTime":618.91,"body":"the links to the information"},{"speaker":"Patrick Cadigan","startTime":618.91,"endTime":622.18,"body":"from our conversations in our"},{"speaker":"Patrick Cadigan","startTime":618.91,"endTime":622.18,"body":"show notes. We would love for"},{"speaker":"Patrick Cadigan","startTime":622.18,"endTime":625.03,"body":"the information from this and"},{"speaker":"Patrick Cadigan","startTime":622.18,"endTime":625.03,"body":"all our other discussions to"},{"speaker":"Patrick Cadigan","startTime":625.03,"endTime":628.0,"body":"reach as many families as"},{"speaker":"Patrick Cadigan","startTime":625.03,"endTime":628.0,"body":"possible, and we need your help"},{"speaker":"Patrick Cadigan","startTime":628.0,"endTime":633.01,"body":"to do that. You can find our"},{"speaker":"Patrick Cadigan","startTime":628.0,"endTime":633.01,"body":"conversations at www, dot p2"},{"speaker":"Patrick Cadigan","startTime":633.04,"endTime":637.9,"body":"transition.com, like, follow and"},{"speaker":"Patrick Cadigan","startTime":633.04,"endTime":637.9,"body":"share out the podcast. Our"},{"speaker":"Patrick Cadigan","startTime":637.9,"endTime":641.02,"body":"conversations are posted to all"},{"speaker":"Patrick Cadigan","startTime":637.9,"endTime":641.02,"body":"the major platforms, including"},{"speaker":"Patrick Cadigan","startTime":641.02,"endTime":644.83,"body":"Apple podcasts, Spotify, YouTube"},{"speaker":"Patrick Cadigan","startTime":641.02,"endTime":644.83,"body":"music, and that's just naming a"},{"speaker":"Patrick Cadigan","startTime":644.83,"endTime":647.68,"body":"few. So please share and share"},{"speaker":"Patrick Cadigan","startTime":644.83,"endTime":647.68,"body":"often."},{"speaker":"Meghan Smallwood","startTime":648.4,"endTime":650.35,"body":"Please also"},{"speaker":"Meghan Smallwood","startTime":648.4,"endTime":650.35,"body":"check out our YouTube channel."},{"speaker":"Meghan Smallwood","startTime":650.65,"endTime":653.02,"body":"Now that we've done some of the"},{"speaker":"Meghan Smallwood","startTime":650.65,"endTime":653.02,"body":"leg work for you by curating"},{"speaker":"Meghan Smallwood","startTime":653.02,"endTime":656.11,"body":"videos of topics that revolve"},{"speaker":"Meghan Smallwood","startTime":653.02,"endTime":656.11,"body":"around transition, we have"},{"speaker":"Meghan Smallwood","startTime":656.11,"endTime":659.17,"body":"playlists for guardianship"},{"speaker":"Meghan Smallwood","startTime":656.11,"endTime":659.17,"body":"alternatives to guardianship"},{"speaker":"Meghan Smallwood","startTime":659.41,"endTime":662.38,"body":"ABLE accounts, and there's more"},{"speaker":"Meghan Smallwood","startTime":659.41,"endTime":662.38,"body":"to come, so please be sure to"},{"speaker":"Meghan Smallwood","startTime":662.38,"endTime":665.71,"body":"subscribe there as well. And"},{"speaker":"Meghan Smallwood","startTime":662.38,"endTime":665.71,"body":"then finally, check out our"},{"speaker":"Meghan Smallwood","startTime":665.71,"endTime":668.26,"body":"website, which is full of"},{"speaker":"Meghan Smallwood","startTime":665.71,"endTime":668.26,"body":"information and links to"},{"speaker":"Meghan Smallwood","startTime":668.26,"endTime":671.83,"body":"resources around the transition"},{"speaker":"Meghan Smallwood","startTime":668.26,"endTime":671.83,"body":"process. So open your web"},{"speaker":"Meghan Smallwood","startTime":671.83,"endTime":676.72,"body":"browser of choice and surf to"},{"speaker":"Meghan Smallwood","startTime":671.83,"endTime":676.72,"body":"www.postsecondarytransition.com"},{"speaker":"Meghan Smallwood","startTime":677.83,"endTime":680.56,"body":"and we thank you so much for the"},{"speaker":"Meghan Smallwood","startTime":677.83,"endTime":680.56,"body":"time you spent with us, and look"},{"speaker":"Meghan Smallwood","startTime":680.56,"endTime":681.82,"body":"forward to talking again soon."}]}