{"id":27914,"date":"2026-08-28T17:30:26","date_gmt":"2026-08-28T21:30:26","guid":{"rendered":"https:\/\/songlawfirm.com\/snt-guide-2026-08-ko\/"},"modified":"2026-08-28T17:31:56","modified_gmt":"2026-08-28T21:31:56","slug":"snt-guide-2026-08-ko","status":"publish","type":"post","link":"https:\/\/songlawfirm.com\/ko\/snt-guide-2026-08-ko\/","title":{"rendered":"Special Needs Trust (SNT) \uc644\ubcbd \uac00\uc774\ub4dc: \ub274\uc800\uc9c0\u00b7\ub274\uc695\uc5d0\uc11c \uc7a5\uc560 \uc790\ub140\uc758 \uc790\uc0b0\uacfc \uc815\ubd80 \ud61c\ud0dd\uc744 \uc9c0\ud0a4\ub294 \ubc29\ubc95"},"content":{"rendered":"<p class=\"slf-lead\" style=\"font-size:17px;color:#595959;line-height:1.8;margin-bottom:32px;\">Special Needs Trust(SNT, \ud2b9\uc218 \ub2c8\uc988 \uc2e0\ud0c1)\ub294 \ub274\uc800\uc9c0\u00b7\ub274\uc695\uc5d0\uc11c \uc7a5\uc560\uac00 \uc788\ub294 \uac00\uc871 \uad6c\uc131\uc6d0\uc744 \uc704\ud574 \uc0c1\ub2f9\ud55c \uc790\uae08\uc744 \ub9c8\ub828\ud574 \ub450\uba74\uc11c\ub3c4, \uadf8 \uc0ac\ub78c\uc758 SSI(Supplemental Security Income), Medicaid, \uae30\ud0c0 \uc790\uc0b0 \uc2ec\uc0ac \uae30\ubc18 \uacf5\uc801 \uae09\uc5ec \uc790\uaca9\uc744 \uc720\uc9c0\ud560 \uc218 \uc788\uac8c \ud574 \uc8fc\ub294 \ubc95\uc801 \ub3c4\uad6c\uc785\ub2c8\ub2e4. \uaddc\uc815\uc740 \uc138\ubc00\ud569\ub2c8\ub2e4. \ud55c \ubc88\uc758 \uc798\ubabb\ub41c \uc9c0\uae09\uc774 \uc6d4 SSI \uc9c0\uae09\uc561\uc744 \uc0ad\uac10\ud558\uac70\ub098 Medicaid \uc774\uc804 \ud398\ub110\ud2f0\ub97c \uc720\ubc1c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uadf8 \ud2c0\uc740 42 U.S.C. \u00a71396p(d)(4)\ub97c \ud1b5\ud574 \uc798 \uc815\ub9bd\ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4. \ubcf8 \uac00\uc774\ub4dc\ub294 SNT\uc758 \uac1c\ub150, \ub274\uc800\uc9c0\u00b7\ub274\uc695\uc5d0\uc11c \uc2e4\uc81c\ub85c \ud65c\uc6a9\ub418\ub294 3\uac00\uc9c0 \uc720\ud615, ABLE \uacc4\uc88c\uc640\uc758 \ubcd1\ud589 \uc804\ub7b5, \uc218\ud0c1\uc790 \uc120\ud0dd, \uac00\uc871\ub4e4\uc774 \uac00\uc7a5 \ud754\ud788 \uc800\uc9c0\ub974\ub294 \uc2e4\uc218\uae4c\uc9c0 \uc2e4\ubb34 \uad00\uc810\uc5d0\uc11c \uc815\ub9ac\ud569\ub2c8\ub2e4.<\/p>\n<h2>1. Special Needs Trust\ub780 \ubb34\uc5c7\uc778\uac00<\/h2>\n<p>\uc5f0\ubc29 \ubc0f \uc8fc\uc758 \uc0ac\ud68c \uc548\uc804\ub9dd \ud504\ub85c\uadf8\ub7a8\uc740 \uc5c4\uaca9\ud55c \uc790\uc0b0 \ud55c\ub3c4\ub97c \ub461\ub2c8\ub2e4. SSI \uc218\ud61c\uc790\uc758 \uacbd\uc6b0 &#8220;\uc0b0\uc815 \uac00\ub2a5 \uc790\uc6d0(countable resources)&#8221;\uc774 <strong>$2,000<\/strong>\ub85c \uc81c\ud55c\ub429\ub2c8\ub2e4(SSA POMS SI 01110.003). \ub274\uc800\uc9c0 Medicaid ABD\uc640 \ub274\uc695 Medicaid\ub3c4 \uc720\uc0ac\ud55c \ud55c\ub3c4\ub97c \uc801\uc6a9\ud569\ub2c8\ub2e4. \uc7a5\uc560\uac00 \uc788\ub294 \uc0ac\ub78c\uc774 \uc720\uc0b0\uc744 \uc0c1\uc18d\ubc1b\uac70\ub098, \uc778\uc2e0\uc0ac\uace0(personal injury) \ud569\uc758\uae08\uc744 \ubc1b\uac70\ub098, \ud070 \uae08\uc561\uc744 \uc99d\uc5ec\ubc1b\uc73c\uba74 \uadf8 \uc790\uc0b0\uc740 \ud1b5\uc0c1 \uc774 \ud55c\ub3c4\uc5d0 \uc0b0\uc785\ub418\uc5b4 \uae09\uc5ec\uac00 \uc911\ub2e8\ub418\uace0, \uac00\uc871\uc740 \uae09\ud558\uac8c \uc790\uc0b0\uc744 \uc18c\uc9c4(spend-down)\ud574\uc57c \ud558\ub294 \uc0c1\ud669\uc5d0 \ubab0\ub9bd\ub2c8\ub2e4.<\/p>\n<p>Special Needs Trust\ub294 \uc790\uc0b0\uc744 \uc7a5\uc560 \uc218\ud61c\uc790\uc758 &#8220;\ub2e8\ub3c5 \uc774\uc775(sole benefit)&#8221;\uc744 \uc704\ud55c \ubc95\uc801\uc73c\ub85c \ubd84\ub9ac\ub41c \uc2e4\uccb4\uc5d0 \ubcf4\uc720\ud558\uac8c \ud568\uc73c\ub85c\uc368 \uc774 \ubb38\uc81c\ub97c \ud574\uacb0\ud569\ub2c8\ub2e4. \uc218\ud61c\uc790\uac00 \uc2e0\ud0c1 \uc6d0\ubcf8\uc744 \uc18c\uc720\ud558\uc9c0 \uc54a\uace0 \ud604\uae08 \uc9c0\uae09\uc744 \uac15\uc81c\ud560 \uc218 \uc5c6\uae30 \ub54c\ubb38\uc5d0, \uc2e0\ud0c1 \uc790\uc0b0\uc740 \uc790\uc6d0\uc73c\ub85c \uc0b0\uc785\ub418\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \uc218\ud0c1\uc790\ub294 \uc815\ubd80 \ud504\ub85c\uadf8\ub7a8\uc774 \ucee4\ubc84\ud558\uc9c0 \uc54a\ub294 &#8220;\ubcf4\ucda9\uc801(supplemental)&#8221; \ud544\uc694\u2014\uce58\ub8cc, \ubcf4\uc870\uae30\uae30, \uad50\ud1b5, \uad50\uc721, \uc5ec\ud589, \uae30\uc220, \uac1c\uc778 \uc704\uc0dd\uc6a9\ud488 \ub4f1\u2014\ub97c \uc2e0\ud0c1 \uc790\uae08\uc73c\ub85c \uc9c0\ubd88\ud558\uc5ec \uc0b6\uc758 \uc9c8\uc744 \ub192\uc774\ub294 \ud55c\ud3b8, SSI\uc640 Medicaid\ub294 \uc911\ub2e8 \uc5c6\uc774 \uc774\uc5b4\uc9c0\uac8c \ud569\ub2c8\ub2e4.<\/p>\n<h2>2. Special Needs Trust\uc758 3\uac00\uc9c0 \uc720\ud615<\/h2>\n<p>\uc5f0\ubc29 Medicaid \ubc95\uc740 \uc138 \uac00\uc9c0 \ud615\ud0dc\ub97c \uc778\uc815\ud569\ub2c8\ub2e4. \uc5b4\ub5a4 \ud615\ud0dc\ub97c \uc120\ud0dd\ud560\uc9c0\ub294 <em>\ub204\uad6c\uc758 \ub3c8\uc73c\ub85c \uc2e0\ud0c1\uc744 \uc870\uc131\ud558\ub294\uc9c0<\/em>\uc5d0 \ub2ec\ub824 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<div style=\"overflow-x:auto;margin:24px 0;\">\n<table style=\"width:100%;border-collapse:collapse;font-size:14.5px;\">\n<thead>\n<tr style=\"background:#98344A;color:#fff;\">\n<th style=\"padding:12px;border:1px solid #ddd;text-align:left;\">\ud56d\ubaa9<\/th>\n<th style=\"padding:12px;border:1px solid #ddd;text-align:left;\">Third-Party SNT<\/th>\n<th style=\"padding:12px;border:1px solid #ddd;text-align:left;\">First-Party (d4A)<\/th>\n<th style=\"padding:12px;border:1px solid #ddd;text-align:left;\">Pooled Trust (d4C)<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"padding:10px;border:1px solid #ddd;\"><strong>\uc790\uae08 \ucd9c\ucc98<\/strong><\/td>\n<td style=\"padding:10px;border:1px solid #ddd;\">\ubd80\ubaa8\u00b7\uc870\ubd80\ubaa8 \ub4f1 \uc81c3\uc790<\/td>\n<td style=\"padding:10px;border:1px solid #ddd;\">\uc218\ud61c\uc790 \ubcf8\uc778 \uc790\uc0b0 (\ud569\uc758\uae08\u00b7\uc0c1\uc18d \ub4f1)<\/td>\n<td style=\"padding:10px;border:1px solid #ddd;\">\ubcf8\uc778 \ub610\ub294 \uc81c3\uc790 \uc790\uc0b0<\/td>\n<\/tr>\n<tr>\n<td style=\"padding:10px;border:1px solid #ddd;\"><strong>\uadfc\uac70 \ubc95\ub839<\/strong><\/td>\n<td style=\"padding:10px;border:1px solid #ddd;\">\uc8fc \uc2e0\ud0c1\ubc95 (Common Law)<\/td>\n<td style=\"padding:10px;border:1px solid #ddd;\">42 U.S.C. \u00a71396p(d)(4)(A)<\/td>\n<td style=\"padding:10px;border:1px solid #ddd;\">42 U.S.C. \u00a71396p(d)(4)(C)<\/td>\n<\/tr>\n<tr>\n<td style=\"padding:10px;border:1px solid #ddd;\"><strong>\uc5f0\ub839 \uc81c\ud55c<\/strong><\/td>\n<td style=\"padding:10px;border:1px solid #ddd;\">\uc5c6\uc74c<\/td>\n<td style=\"padding:10px;border:1px solid #ddd;\">\uc218\ud61c\uc790 \ub9cc 65\uc138 \uc774\uc804\uc5d0 \uc124\uc815<\/td>\n<td style=\"padding:10px;border:1px solid #ddd;\">\ubaa8\ub4e0 \uc5f0\ub839 (65\uc138 \uc774\uc0c1\uc740 \uc8fc\ubcc4 \uc0c1\uc774)<\/td>\n<\/tr>\n<tr>\n<td style=\"padding:10px;border:1px solid #ddd;\"><strong>\uc218\ud0c1\uc790<\/strong><\/td>\n<td style=\"padding:10px;border:1px solid #ddd;\">\uc124\uc815\uc790\uac00 \uc120\uc815\ud55c \uac1c\uc778 \ub610\ub294 \ubc95\uc778<\/td>\n<td style=\"padding:10px;border:1px solid #ddd;\">\uac1c\uc778 \ub610\ub294 \ubc95\uc778. \ub274\uc800\uc9c0\u00b7\ub274\uc695\uc5d0\uc11c\ub294 \uace0\uc561\uc778 \uacbd\uc6b0 \ubc95\uc6d0 \uc2b9\uc778 \ud544\uc694<\/td>\n<td style=\"padding:10px;border:1px solid #ddd;\">\ube44\uc601\ub9ac\ub2e8\uccb4\uac00 \ub9c8\uc2a4\ud130 \uc2e0\ud0c1 \uad00\ub9ac, \uac1c\ubcc4 \ud558\uc704 \uacc4\uc815 \uc6b4\uc601<\/td>\n<\/tr>\n<tr>\n<td style=\"padding:10px;border:1px solid #ddd;\"><strong>\uc0ac\ub9dd \uc2dc Medicaid \uc0c1\ud658<\/strong><\/td>\n<td style=\"padding:10px;border:1px solid #ddd;\"><strong>\ubd88\ud544\uc694<\/strong> \u2014 \uc794\uc5ec \uc7ac\uc0b0\uc740 \uac00\uc871\uc5d0\uac8c \uc774\uc804<\/td>\n<td style=\"padding:10px;border:1px solid #ddd;\"><strong>\ud544\uc694<\/strong> \u2014 \uc8fc Medicaid\uc5d0 \uc0dd\uc560 \uc9c0\uae09\uc561\uae4c\uc9c0 \uc0c1\ud658 \uc758\ubb34<\/td>\n<td style=\"padding:10px;border:1px solid #ddd;\">\ube44\uc601\ub9ac\ub2e8\uccb4\uac00 \uc794\uc561 \uc720\ubcf4\ud558\uac70\ub098 Medicaid \uc0c1\ud658 (\uc124\uacc4\uc5d0 \ub530\ub77c \uc0c1\uc774)<\/td>\n<\/tr>\n<tr>\n<td style=\"padding:10px;border:1px solid #ddd;\"><strong>\uc8fc\uc694 \ud65c\uc6a9<\/strong><\/td>\n<td style=\"padding:10px;border:1px solid #ddd;\">\uc720\uc0b0 \uacc4\ud68d, \uc99d\uc5ec, \uc0dd\uba85\ubcf4\ud5d8 \uc9c0\uae09\uae08<\/td>\n<td style=\"padding:10px;border:1px solid #ddd;\">\uc778\uc2e0\uc0ac\uace0 \ud569\uc758\uae08, \uc18c\uae09 SSDI, \uc9c1\uc811 \uc0c1\uc18d<\/td>\n<td style=\"padding:10px;border:1px solid #ddd;\">\uc18c\uc561, \uac1c\uc778 \uc218\ud0c1\uc790 \uc5c6\uc74c, \uc2e0\uc18d \uc124\uc815<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h3>Third-Party SNT<\/h3>\n<p>\ubd80\ubaa8\uc640 \uc870\ubd80\ubaa8\uac00 \uc720\uc0b0 \uacc4\ud68d\uc758 \uc77c\ud658\uc73c\ub85c \uac00\uc7a5 \ud754\ud788 \uc124\uc815\ud558\ub294 \ud615\ud0dc\uc785\ub2c8\ub2e4. \ub3c5\ub9bd \uc2e0\ud0c1\uc73c\ub85c\ub3c4 \uac00\ub2a5\ud558\uace0, \uc720\uc5b8\uc7a5 \ub0b4 \uc720\uc5b8 \uc2e0\ud0c1(testamentary trust)\uc73c\ub85c\ub3c4 \ub9cc\ub4e4 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc790\uae08\uc774 \uc218\ud61c\uc790\uc758 \uac83\uc774\uc5c8\ub358 \uc801\uc774 \uc5c6\uae30 \ub54c\ubb38\uc5d0 \uc0ac\ub9dd \uc2dc <strong>Medicaid \uc0c1\ud658 \uc758\ubb34\uac00 \uc5c6\uc5b4<\/strong>, \uc794\uc5ec \uc7ac\uc0b0\uc740 \ud615\uc81c\uc790\ub9e4\ub098 \uc790\uc120\ub2e8\uccb4 \ub4f1 \uac00\uc871\uc774 \uc6d0\ud558\ub294 \ub300\ub85c \ubc30\ubd84\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<h3>First-Party SNT (d4A)<\/h3>\n<p>\uc218\ud61c\uc790 \uba85\uc758\ub85c \uc774\ubbf8 \uc790\uae08\uc774 \uc874\uc7ac\ud558\ub294 \uacbd\uc6b0\u2014\uc608\ub97c \ub4e4\uc5b4 \uc778\uc2e0\uc0ac\uace0 \ud569\uc758\uae08\uc774\ub098 \uac00\uc871\uc774 \ubbf8\ucc98 \uacc4\ud68d\ud558\uae30 \uc804\uc5d0 \uc9c1\uc811 \uc774\uc804\ub41c \uc0c1\uc18d\u2014\uc5f0\ubc29\ubc95\uc740 &#8220;d4A&#8221; \uc790\uccb4 \uc870\uc131(self-settled) SNT\ub97c \ud5c8\uc6a9\ud569\ub2c8\ub2e4. \ubd80\ubaa8\u00b7\uc870\ubd80\ubaa8\u00b7\ubc95\uc815 \ud6c4\uacac\uc778\u00b7\ubc95\uc6d0, \uadf8\ub9ac\uace0 2016\ub144 Special Needs Trust Fairness Act \uc774\ud6c4\ub85c\ub294 \uc758\uc0ac\uacb0\uc815 \ub2a5\ub825\uc774 \uc788\ub294 \uc218\ud61c\uc790 \ubcf8\uc778\ub3c4 \uc124\uc815\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc0ac\ub9dd \uc2dc \uc794\uc5ec \uc7ac\uc0b0\uc740 \uc794\uc5ec \uc218\ud61c\uc790\uc5d0\uac8c \uc774\uc804\ub418\uae30 \uc804 \ubc18\ub4dc\uc2dc \uc8fc Medicaid\uc5d0 \uc0c1\ud658\ub418\uc5b4\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<h3>Pooled Trust (d4C)<\/h3>\n<p>\ube44\uc601\ub9ac\ub2e8\uccb4\uac00 \ub9c8\uc2a4\ud130 \uc2e0\ud0c1\uc744 \uc6b4\uc601\ud558\uace0 \uac1c\ubcc4 \ud558\uc704 \uacc4\uc815\uc744 \ub450\ub294 \uad6c\uc870\uc785\ub2c8\ub2e4. \uc790\uc0b0 \uaddc\ubaa8\uac00 \ud06c\uc9c0 \uc54a\uc740 \uac00\uc871\ub3c4 \uc804\ubb38 \uc218\ud0c1\uc790\uc758 \uad00\ub9ac\ub97c \ubc1b\uc744 \uc218 \uc788\uc5b4, \uac1c\ubcc4 \uc218\ud0c1\uc790\ub97c \ub450\ub294 \ube44\uc6a9 \ubd80\ub2f4\uc744 \ud53c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub274\uc800\uc9c0\uc640 \ub274\uc695\uc5d0\ub294 \uac01\uac01 \uac80\uc99d\ub41c pooled trust \uc870\uc9c1\uc774 \uc788\uc2b5\ub2c8\ub2e4. \uc18c\uc561 \ud569\uc758\uae08\uc774\uac70\ub098 \uc2e0\ub8b0\ud560 \ub9cc\ud55c \uac1c\ubcc4 \uc218\ud0c1\uc790\ub97c \ub450\uae30 \uc5b4\ub824\uc6b4 \uacbd\uc6b0 \uc790\uc8fc \ud65c\uc6a9\ub429\ub2c8\ub2e4.<\/p>\n<h2>3. SSI\u00b7Medicaid \uc790\uaca9 \uc720\uc9c0\uc758 \uc6d0\ub9ac<\/h2>\n<p>\uba54\ucee4\ub2c8\uc998\uc740 \ub2e8\uc21c\ud558\uc9c0\ub9cc \uc5c4\uaca9\ud569\ub2c8\ub2e4. \uc218\ud61c\uc790\uac00 \uc18c\uc720\uad8c\uacfc \ud1b5\uc81c\uad8c\uc744 \uac16\uc9c0 \uc54a\uae30 \ub54c\ubb38\uc5d0, \uc2e0\ud0c1 \uc790\uc0b0\uc740 SSA POMS SI 01120.200(\uc77c\ubc18 \uc2e0\ud0c1 \uaddc\uc815) \ubc0f SI 01120.203(\u00a71396p \uc2e0\ud0c1 \uc804\uc6a9)\uc0c1 &#8220;\uc790\uc6d0&#8221;\uc774 \uc544\ub2d9\ub2c8\ub2e4. \uc218\ud0c1\uc790\uac00 \uc0c1\ud488\u00b7\uc11c\ube44\uc2a4 \ub300\uae08\uc744 \uc81c\uacf5\uc5c5\uc790\uc5d0\uac8c \uc9c1\uc811 \uc9c0\uae09\ud558\ub294 \ud55c, \uc9c0\uae09 \uc790\uccb4\ub3c4 \uc218\ud61c\uc790\uc758 &#8220;\uc18c\ub4dd&#8221;\uc73c\ub85c \uc7a1\ud788\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.<\/p>\n<div style=\"background:#f7f5f0;padding:20px;border-left:4px solid #98344A;margin:24px 0;\">\n<p style=\"margin:0;\"><strong>\uc2e4\ubb34 \ud301:<\/strong> \uc218\ud0c1\uc790\ub294 \ubb3c\ub9ac\uce58\ub8cc \ud074\ub9ac\ub2c9, \ud56d\uacf5\uc0ac, \uc804\uc790\uc81c\ud488 \ud310\ub9e4\uc810 \ub4f1 <strong>\uacf5\uae09\uc790\uc5d0\uac8c \uc9c1\uc811<\/strong> \uc9c0\uae09\ud574\uc57c \ud569\ub2c8\ub2e4. \uc218\ud61c\uc790\uc5d0\uac8c \uba3c\uc800 \uc9c0\ucd9c\ud558\uac8c \ud558\uace0 \uc0ac\ud6c4\uc5d0 \uc815\uc0b0\ud574 \uc8fc\uba74, \uadf8 \uc815\uc0b0\uae08\uc774 \uc18c\ub4dd\uc73c\ub85c \uc7ac\ubd84\ub958\ub418\uc5b4 SSI\uac00 \uc0ad\uac10\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<\/div>\n<h3>ISM \ud568\uc815 \u2014 \uc2dd\ube44\uc640 \uc8fc\uac70\ube44<\/h3>\n<p>\uc81c\ub300\ub85c \uc124\uacc4\ub41c SNT\ub77c\ub3c4, \uc218\ud61c\uc790\uc758 \uc2dd\ube44\ub098 \uc8fc\uac70\ube44(\uc784\ucc28\ub8cc, \ubaa8\uae30\uc9c0, \uc7ac\uc0b0\uc138, \uacf5\uacfc\uae08)\ub97c \uc9c0\uae09\ud558\uba74 &#8220;\ud604\ubb3c \ubd80\uc591\u00b7\uc720\uc9c0(In-Kind Support and Maintenance, ISM)&#8221; \uaddc\uc815\uc5d0 \uac78\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4. Presumed Maximum Value \uaddc\uc815\uc5d0 \ub530\ub77c SSI\uac00 \ucd5c\ub300 1\/3\uae4c\uc9c0 \uc0ad\uac10\ub429\ub2c8\ub2e4(POMS SI 00835.300 \uc2dc\ub9ac\uc988). \uac00\uc815 \uc9c0\ucd9c\uc5d0 \uc2e0\ud0c1 \uc790\uae08\uc744 \uc0ac\uc6a9\ud558\uae30 \uc804\uc5d0\ub294 \ubc18\ub4dc\uc2dc \ubcc0\ud638\uc0ac\uc640 \uc0c1\ub2f4\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4. \uc5b4\ub5a4 \uacbd\uc6b0 ISM \uc0ad\uac10\uc744 \uac10\uc218\ud558\ub294 \uac83\uc774 \uc720\ub9ac\ud558\uace0, \uc5b4\ub5a4 \uacbd\uc6b0 ABLE \uacc4\uc88c\ub85c \ucc98\ub9ac\ud558\ub294 \uac83\uc774 \ub354 \ub0ab\uc2b5\ub2c8\ub2e4.<\/p>\n<h2>4. ABLE \uacc4\uc88c\uc640 SNT\uc758 \ubcd1\ud589 \uc804\ub7b5<\/h2>\n<p>2014\ub144 \uc81c\uc815\ub418\uace0 <strong>26 U.S.C. \u00a7529A<\/strong>\uc5d0 \uaddc\uc815\ub41c ABLE(Achieving a Better Life Experience) \uacc4\uc88c\ub294 \uc7a5\uc560\uac00 \ubc1c\uc0dd\ud55c \uc2dc\uc810\uc774 \ub9cc 46\uc138 \uc774\uc804\uc778 \uac1c\uc778(SECURE 2.0 \ubc95\uc5d0 \uc758\ud574 26\uc138\uc5d0\uc11c \uc0c1\ud5a5, 2026\ub144 \uc2dc\ud589)\uc5d0\uac8c \uc138\uc81c \ud61c\ud0dd\uc774 \uc788\ub294 \uc800\ucd95 \uc218\ub2e8\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. \ud575\uc2ec \ud2b9\uc9d5:<\/p>\n<ul>\n<li>\uc5f0\uac04 \ub0a9\uc785 \ud55c\ub3c4\ub294 \uc5f0\ubc29 \uc99d\uc5ec\uc138 \uc5f0\uac04 \uba74\uc81c \ud55c\ub3c4\uc640 \uc5f0\ub3d9\ub429\ub2c8\ub2e4(\ud604\uc7ac \uae30\uc900 \uc57d <strong>$18,000~$19,000<\/strong>. \ub9e4\ub144 \uc870\uc815).<\/li>\n<li>\ucde8\uc5c5 \uc911\uc778 \uc218\ud61c\uc790\ub294 \uc5f0\ubc29 \ube48\uace4\uc120\uae4c\uc9c0 \ucd94\uac00\ub85c \uc790\uae30 \uc18c\ub4dd\uc5d0\uc11c \ub0a9\uc785\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<li>\uc794\uc561 <strong>$100,000<\/strong>\uae4c\uc9c0\ub294 SSI \uc790\uc6d0 \uc0b0\uc815\uc5d0\uc11c \uc81c\uc678\ub418\uace0, \ucd08\uacfc\ubd84\uc740 SSI\ub97c \uc885\ub8cc\uc2dc\ud0a4\ub294 \uac83\uc774 \uc544\ub2c8\ub77c \uc77c\uc2dc \uc815\uc9c0\uc2dc\ud0b5\ub2c8\ub2e4.<\/li>\n<li>Medicaid \uc790\uaca9\uc740 \uc794\uc561\uacfc \ubb34\uad00\ud558\uac8c \uc720\uc9c0\ub429\ub2c8\ub2e4.<\/li>\n<li>&#8220;\uc790\uaca9 \uc788\ub294 \uc7a5\uc560 \uad00\ub828 \uc9c0\ucd9c(qualified disability expenses)&#8221;\u2014\uc8fc\uac70, \uad50\ud1b5, \uad50\uc721, \ucde8\uc5c5 \ud6c8\ub828, \ubcf4\uc870 \uae30\uc220, \uac1c\uc778 \uc9c0\uc6d0, \uac74\uac15, \uc7ac\uc815 \uad00\ub9ac\u2014\uc744 \uc704\ud55c \uc778\ucd9c\uc740 \ube44\uacfc\uc138\uc785\ub2c8\ub2e4.<\/li>\n<li>SNT\uc640 \ub2ec\ub9ac ABLE \uc790\uae08\uc740 <em>\uc2dd\ube44\uc640 \uc8fc\uac70\ube44\uc5d0 \uc0ac\uc6a9\ud574\ub3c4<\/em> ISM\uc5d0 \uac78\ub9ac\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<h3>\uc2e4\ubb34\uc801 \uacc4\uce35 \uad6c\uc131<\/h3>\n<p>\uac00\uc7a5 \ud754\ud55c \uc804\ub7b5\uc740 SNT(\uace0\uc561\u00b7\uc7a5\uae30 \ucf00\uc5b4\uc6a9)\uc640 ABLE \uacc4\uc88c(\uc18c\uc561\u00b7\uc720\uc5f0\ud55c \uc77c\uc0c1 \uc9c0\ucd9c\uc6a9)\ub97c \ud568\uaed8 \ud65c\uc6a9\ud558\ub294 \uac83\uc785\ub2c8\ub2e4. SNT \uc218\ud0c1\uc790\uac00 \ub9e4\ub144 \ub0a9\uc785 \ud55c\ub3c4 \ub0b4\uc5d0\uc11c ABLE \uacc4\uc88c\ub85c \uc790\uae08\uc744 \uc774\uccb4\ud558\uace0, \uc218\ud61c\uc790 \ub610\ub294 \uc704\uc784 \ubc1b\uc740 \uc11c\uba85\uc790\uac00 ABLE \uc9c1\ubd88\uce74\ub4dc\ub85c \uc784\ucc28\ub8cc\u00b7\uc2dd\ub8cc\ud488\u00b7\uacf5\uacfc\uae08\uc744 \uacb0\uc81c\ud558\uba74 ISM \ubd80\ub2f4 \uc5c6\uc774 \uc77c\uc0c1 \uc0dd\ud65c\ube44\ub97c \ucc98\ub9ac\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<h2>5. \uc218\ud0c1\uc790 \uc120\ud0dd<\/h2>\n<p>\uc218\ud0c1\uc790 \uc120\uc815\uc740 \uc885\uc885 \uc2e0\ud0c1 \ubb38\uc11c \uc791\uc131\ubcf4\ub2e4\ub3c4 \uc911\uc694\ud569\ub2c8\ub2e4. \uc218\ud0c1\uc790\ub294 SSI\u00b7Medicaid \uaddc\uc815\uc744 \uc774\ud574\ud558\uace0, \uc815\ubc00\ud55c \ud68c\uacc4\ub97c \uc720\uc9c0\ud558\uba70, \uc138\ubb34 \uc2e0\uace0(SNT\ub294 \ud1b5\uc0c1 Subchapter J\uc0c1 \ubcf5\uc7a1 \uc2e0\ud0c1\uc73c\ub85c \uacfc\uc138)\ub97c \ucc98\ub9ac\ud558\uace0, \uc218\ud61c\uc790\uc758 \ucf00\uc5b4\ud300\uacfc \uc218\uc2ed \ub144\uac04 \ud611\ub825\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<h3>\uac1c\uc778 \uc218\ud0c1\uc790<\/h3>\n<p>\ubd80\ubaa8\ub098 \ud615\uc81c\uc790\ub9e4\ub294 \uc218\ud61c\uc790\ub97c \uac00\uc7a5 \uc798 \uc555\ub2c8\ub2e4. \ubc18\uba74 \uc7a5\uc218\uc131(\ubd80\ubaa8\uac00 \uc218\ud61c\uc790\ubcf4\ub2e4 \uc624\ub798 \uc0b4 \uc218\ub294 \uc5c6\uc74c), \uac1c\uc778 \uc790\uae08\uacfc\uc758 \ud63c\ub3d9 \uc704\ud5d8, \uc138\ubb34\u00b7\uae09\uc5ec \uaddc\uc815 \uc900\uc218 \ubd80\ub2f4\uc774 \ud2b8\ub808\uc774\ub4dc\uc624\ud504\uc785\ub2c8\ub2e4. \uac1c\uc778\uc744 \uc9c0\uc815\ud560 \uacbd\uc6b0 \uc5ec\ub7ec \uba85\uc758 \ud6c4\uc18d \uc218\ud0c1\uc790\ub97c \uc9c0\uc815\ud558\uace0, \uacf5\ub3d9 \uc218\ud0c1\uc790\ub97c \ud568\uaed8 \ub450\ub294 \uac83\ub3c4 \uace0\ub824\ud558\uc2ed\uc2dc\uc624.<\/p>\n<h3>\ubc95\uc778\u00b7\uc804\ubb38 \uc218\ud0c1\uc790<\/h3>\n<p>\uc740\ud589 \uc2e0\ud0c1\ubd80\ub098 \ub3c5\ub9bd \uc2e0\ud0c1\ud68c\uc0ac\ub294 \uae30\uad00\uc758 \uc9c0\uc18d\uc131\uacfc \uaddc\uc815 \uc900\uc218 \uc778\ud504\ub77c\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4. \uc218\uc218\ub8cc\ub294 \ud1b5\uc0c1 \uad00\ub9ac \uc790\uc0b0\uc758 \uc5f0 1~1.5%\uc774\uba70, \uc18c\uc561 \uc2e0\ud0c1\uc5d0\ub294 \ucc44\uc0b0\uc774 \ub9de\uc9c0 \uc54a\ub294 \ucd5c\uc18c \uc218\uc218\ub8cc\uac00 \uc788\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uac00\uc871 \uc774\ud574\ub97c \uc704\ud55c \uac1c\uc778 \uacf5\ub3d9 \uc218\ud0c1\uc790 + \uc6b4\uc601\uc744 \uc704\ud55c \ubc95\uc778 \uacf5\ub3d9 \uc218\ud0c1\uc790\uc758 \ud63c\ud569 \uad6c\uc870\uac00 \uc911\ud615 \uc2e0\ud0c1\uc5d0 \uc798 \ub9de\uc2b5\ub2c8\ub2e4.<\/p>\n<h3>Letter of Intent(\uc758\ud5a5\uc11c)<\/h3>\n<p>\uc218\ud0c1\uc790 \uc120\ud0dd\uacfc \ubb34\uad00\ud558\uac8c, \uac00\uc871\uc740 \uc218\ud61c\uc790\uc758 \uc77c\uc0c1 \ub8e8\ud2f4, \uc120\ud638, \uc758\ub8cc\uc9c4, \uc18c\ud1b5 \ubc29\uc2dd, \uc6b0\uc120\uc21c\uc704\ub97c \ub2f4\uc740 Letter of Intent\ub97c \uc900\ube44\ud574 \ub450\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4. \ubc95\uc801 \uad6c\uc18d\ub825\uc740 \uc5c6\uc9c0\ub9cc, \ud6c4\uc18d \uc218\ud0c1\uc790\uac00 \uc790\ub9ac\ub97c \uc774\uc5b4\ubc1b\uc744 \ub54c \ub9e4\uc6b0 \uc720\uc6a9\ud569\ub2c8\ub2e4.<\/p>\n<h2>6. \uc2e4\ubb34\uc5d0\uc11c \uc790\uc8fc \ubcf4\ub294 \uc2e4\uc218<\/h2>\n<ul>\n<li><strong>\uc218\ud61c\uc790\uc5d0\uac8c \ud604\uae08 \uc9c1\uc811 \uc9c0\uae09.<\/strong> \uac00\uc7a5 \ud754\ud55c \uc2e4\uc218\uc785\ub2c8\ub2e4. \ud604\uae08 \uc9c0\uae09\uc740 \uc18c\ub4dd\uc73c\ub85c \uc7a1\ud600 SSI\uac00 $20 \uc77c\ubc18 \uc18c\ub4dd \uacf5\uc81c\ub97c \ub118\uc5b4 \ub2ec\ub7ec \ub300 \ub2ec\ub7ec\ub85c \uc0ad\uac10\ub429\ub2c8\ub2e4.<\/li>\n<li><strong>\ubd80\ubaa8 \uacc4\uc88c\uc5d0 &#8220;\uc790\ub140 \ubaab&#8221;\uc73c\ub85c \ubcf4\uad00.<\/strong> \uc2e0\ud0c1\uc774 \uc544\ub2d9\ub2c8\ub2e4. \uadf8 \ub3c8\uc740 \uadf8\uc800 \ubd80\ubaa8 \uc790\uc0b0\uc774\uba70, \uc774\ud63c\u00b7\uc18c\uc1a1\u00b7\ubd80\ubaa8\uc758 \uc7a5\uae30 \uc694\uc591 Medicaid \uc18c\uae09 \uc870\ud68c\uc5d0\uc11c \ucde8\uc57d\ud574\uc9d1\ub2c8\ub2e4.<\/li>\n<li><strong>\ubcf4\ud5d8\u00b7\uc5f0\uae08 \uc218\uc775\uc790\uc5d0 \uc7a5\uc560 \uc790\ub140 \uc9c1\uc811 \uc9c0\uc815.<\/strong> \uc218\uc775\uc790 \uc9c0\uc815\uc740 \uc720\uc5b8\uc5d0 \uc6b0\uc120\ud569\ub2c8\ub2e4. Third-Party SNT\ub97c \uc218\uc775\uc790\ub85c \uc9c0\uc815\ud558\ub3c4\ub85d \ubcc0\uacbd\ud574\uc57c \ud569\ub2c8\ub2e4.<\/li>\n<li><strong>\uacc4\ud68d \uc5c6\uc774 SNT\uc5d0\uc11c \uc2dd\ub8cc\ud488\u00b7\uc784\ucc28\ub8cc \uacb0\uc81c.<\/strong> ISM\uc774 \uc790\ub3d9 \uc801\uc6a9\ub418\uc5b4 \ub9e4\uc6d4 \uc57d 1\/3\uc758 SSI\uac00 \uc870\uc6a9\ud788 \uc0ad\uac10\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<li><strong>d4A \uc870\uc131 \uc9c0\uc5f0.<\/strong> First-Party \uc2e0\ud0c1\uc740 \uc218\ud61c\uc790\uac00 \ub9cc 65\uc138\uac00 \ub418\uae30 \uc804\uc5d0 \uc124\uc815\u00b7\uc870\uc131\ub418\uc5b4\uc57c \ud569\ub2c8\ub2e4. \ub2a6\uc5b4\uc9c0\uba74 pooled trust\ub85c \ubc00\ub9ac\uac70\ub098, \ucd5c\uc545\uc758 \uacbd\uc6b0 \uc790\uc0b0 \uc18c\uc9c4 \uc0c1\ud669\uc5d0 \ubab0\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<li><strong>\ud45c\uc900 \uc591\uc2dd\ub9cc \uc0ac\uc6a9.<\/strong> \uc77c\ubc18\uc801\uc778 \uc2e0\ud0c1 \uc591\uc2dd\uc740 &#8220;sole benefit&#8221;, &#8220;spendthrift&#8221;, Medicaid \uc0c1\ud658 \uc870\ud56d\uc744 \ud3ec\ud568\ud558\uc9c0 \uc54a\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4. \uc798\ubabb \uc791\uc131\ub41c SNT\ub294 \uc18c\uae09\ud558\uc5ec \uc0b0\uc815 \uac00\ub2a5 \uc790\uc6d0\uc73c\ub85c \uc7ac\ubd84\ub958\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<h2>7. \ub274\uc800\uc9c0\u00b7\ub274\uc695\uc758 \uc9c0\uc5ed\ubcc4 \ud2b9\uc774\uc0ac\ud56d<\/h2>\n<h3>\ub274\uc800\uc9c0<\/h3>\n<p>NJ Medicaid ABD(\uace0\ub839\u00b7\uc2dc\uac01\uc7a5\uc560\u00b7\uc7a5\uc560 \uc131\uc778)\uc640 NJ FamilyCare\ub294 \u00a71396p(d)(4) \uc2e0\ud0c1\uc744 \uc5f0\ubc29 \uaddc\uc815\uacfc \uc77c\uad00\ub418\uac8c \ucc98\ub9ac\ud569\ub2c8\ub2e4. \ub2e4\ub9cc \ubbf8\uc131\ub144 \ub610\ub294 \ubc95\uc801 \ubb34\ub2a5\ub825 \ud310\uc815\uc744 \ubc1b\uc740 \uc218\ud61c\uc790\uac00 \uc778\uc2e0\uc0ac\uace0 \ud569\uc758\uae08\uc73c\ub85c d4A\ub97c \uc870\uc131\ud560 \ub54c\ub294 \ud1b5\uc0c1 \ubc95\uc6d0 \uc2b9\uc778\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \ub274\uc800\uc9c0\ub294 pooled trust \ucee4\ubba4\ub2c8\ud2f0\uac00 \ud65c\uc131\ud654\ub418\uc5b4 \uc788\uc5b4, \ud569\uc758\uae08\uc774 \ub300\ub7b5 $250,000 \uc774\ud558\uc77c \ub54c \uc720\uc6a9\ud55c \ub300\uc548\uc774 \ub429\ub2c8\ub2e4.<\/p>\n<h3>\ub274\uc695<\/h3>\n<p>NY Medicaid\ub294 SSI \uad00\ub828 \ud310\uc815\uc5d0 POMS SI 01120.203\uc744 \ub530\ub974\uba70, \ubcd1\ud589 \uaddc\uc815\uc73c\ub85c 18 NYCRR 360-4.5\uac00 \uc788\uc2b5\ub2c8\ub2e4. \ub274\uc695\uc740 \ub610\ud55c EPTL \u00a77-1.12\uc5d0 \ub530\ub978 Supplemental Needs Trust\ub97c \uc778\uc815\ud558\uba70, \uc774\ub294 \uacbd\uc6b0\uc5d0 \ub530\ub77c \u00a71396p\ubcf4\ub2e4 \ub113\uc740 \ubcf4\ud638\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4. NY Community Directed Personal Assistance Program(CDPAP)\uc774\ub098 Consumer Directed \uc11c\ube44\uc2a4\uc640\uc758 \uc5f0\ub3d9\uc740 \ub274\uc695 \uc2e0\ud0c1 \uc218\ud0c1\uc790\uc758 \uc0c1\uc2dc \uc5c5\ubb34\uc785\ub2c8\ub2e4.<\/p>\n<h2>8. \uc5b8\uc81c \ubcc0\ud638\uc0ac\ub97c \ucc3e\uc544\uc57c \ud558\ub294\uac00<\/h2>\n<p>\ub2e4\uc74c \uc0c1\ud669\uc774 \uc608\uc0c1\ub418\uba74 \ub274\uc800\uc9c0\u00b7\ub274\uc695\uc758 \ub178\uc778\ubc95\u00b7\uc720\uc0b0 \uacc4\ud68d \uacbd\ud5d8\uc774 \uc788\ub294 \ubcc0\ud638\uc0ac\uc640 \uc0c1\uc758\ud558\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4.<\/p>\n<ul>\n<li>\uc7a5\uc560\uac00 \uc788\ub294 \uc790\ub140\u00b7\ud615\uc81c\u00b7\ubc30\uc6b0\uc790\uac00 \uc0c1\uc18d, \uc0dd\uba85\ubcf4\ud5d8 \uc9c0\uae09\uae08, \uc778\uc2e0\uc0ac\uace0 \ud569\uc758\uae08\uc744 \uace7 \ubc1b\uc744 \uc608\uc815\uc77c \ub54c<\/li>\n<li>\uc720\uc5b8\uc7a5, \uc218\uc775\uc790 \uc9c0\uc815, \uc740\ud1f4 \uacc4\uc88c \ub4f1 \uc720\uc0b0 \uad00\ub828 \ubb38\uc11c\uac00 \uc5ec\uc804\ud788 \uc7a5\uc560\uac00 \uc788\ub294 \ubcf8\uc778\uc744 \uc9c1\uc811 \uc218\uc775\uc790\ub85c \ub450\uace0 \uc788\uc744 \ub54c<\/li>\n<li>\uc774\ud63c\u00b7\uc591\uc721\ube44 \uc808\ucc28\uc5d0 \uc790\uc0b0 \uc2ec\uc0ac \uae09\uc5ec\ub97c \ubc1b\uac70\ub098 \ubc1b\uc744 \uc608\uc815\uc778 \uc218\ud61c\uc790\uac00 \ud3ec\ud568\ub420 \ub54c<\/li>\n<li>SSA \ub610\ub294 Medicaid\ub85c\ubd80\ud130 \uacfc\ub2e4 \uc9c0\uae09 \ud1b5\uc9c0\ub098 \uc790\uc6d0 \ucd08\uacfc \ud1b5\uc9c0\ub97c \ubc1b\uc558\uc744 \ub54c<\/li>\n<li>\uae30\uc874 SNT\uac00 5~7\ub144 \uc774\uc0c1 \uac80\ud1a0\ub418\uc9c0 \uc54a\uc558\uace0, SECURE Act, SECURE 2.0, ABLE Age Adjustment Act \ubc18\uc601\uc774 \uc548 \ub418\uc5b4 \uc788\uc744 \ub54c<\/li>\n<\/ul>\n<p>Special Needs \uacc4\ud68d\uc740 \uc7a5\uae30\uc801 \uc57d\uc18d\uc785\ub2c8\ub2e4. \uc801\uc808\ud55c \uc2e0\ud0c1\u2014ABLE \uacc4\uc88c, \uc801\ud569\ud55c \uc218\ud0c1\uc790, \uc138\uc2ec\ud55c Letter of Intent\uc640 \ud568\uaed8\u2014\uc740 \uc218\uc2ed \ub144\uc5d0 \uac78\uccd0 \uc7ac\uc815 \uc790\uc6d0\uacfc \uc0b6\uc758 \uc9c8\uc744 \ud568\uaed8 \uc9c0\ucf1c \uc90d\ub2c8\ub2e4.<\/p>\n<section class=\"slf-cta\" style=\"margin-top:40px;padding:32px;background:linear-gradient(135deg,#98344A 0%,#7a2a3a 100%);border-radius:8px;color:#fff;\">\n<h3 style=\"margin:0 0 16px;color:#E5D398;font-size:22px;\">\uc1a1\ub85c\ud38c \uc0c1\ub2f4 \ubb38\uc758<\/h3>\n<p style=\"margin:0 0 20px;font-size:15px;line-height:1.75;\">\ub274\uc800\uc9c0\u00b7\ub274\uc695\uc5d0\uc11c Special Needs Trust \uc124\uc815, Medicaid\/SSI \uc790\uaca9 \uc720\uc9c0, ABLE \uacc4\uc88c \ubcd1\ud589 \uc804\ub7b5\uc774 \ud544\uc694\ud558\uc2dc\ub2e4\uba74 \uc1a1\ub85c\ud38c\uacfc \uc0c1\ub2f4\ud558\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4.<\/p>\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:16px;font-size:14px;\">\n<div>\ud83d\udcde <strong>\uc804\ud654:<\/strong> <a aria-label=\"Call  12014610031\" href=\"tel:+12014610031\" style=\"color:#E5D398;\">201-461-0031<\/a><\/div>\n<div>\u2709\ufe0f <strong>\uc774\uba54\uc77c:<\/strong> <a aria-label=\"Email mail@songlawfirm.com\" href=\"mailto:mail@songlawfirm.com\" style=\"color:#E5D398;\">mail@songlawfirm.com<\/a><\/div>\n<div>\ud83d\udcdd <strong>\ubb38\uc758 \ud3fc:<\/strong> <a href=\"https:\/\/songlawfirm.com\/contact\/\" style=\"color:#E5D398;\">\uc0c1\ub2f4 \uc2e0\uccad<\/a><\/div>\n<div>\ud83d\udcac <strong>WeChat:<\/strong> songlawfirm<\/div>\n<\/div>\n<\/section>\n<section class=\"slf-disclaimer\" style=\"margin-top:40px;padding:20px;background:#f7f5f0;border-left:4px solid #98344A;font-size:13px;color:#595959;line-height:1.75;\">\n<p><strong>\uba74\ucc45\uc870\ud56d:<\/strong> \ubcf8 \uce7c\ub7fc\uc740 \ub274\uc800\uc9c0\u00b7\ub274\uc695\uc5d0\uc11c\uc758 Special Needs Trust\uc5d0 \uad00\ud55c \uc77c\ubc18\uc801\uc778 \ubc95\ub960 \uc815\ubcf4\ub97c \uc81c\uacf5\ud560 \ubaa9\uc801\uc73c\ub85c \uc791\uc131\ub418\uc5c8\uc73c\uba70, \ud2b9\uc815 \uc0ac\uc548\uc5d0 \ub300\ud55c \ubc95\ub960 \uc790\ubb38\uc744 \uad6c\uc131\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \uac1c\ubcc4 \uc0c1\ud669\uc5d0 \ub530\ub77c \uacb0\uacfc\ub294 \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc73c\ubbc0\ub85c \ubc18\ub4dc\uc2dc \uc790\uaca9\uc744 \uac16\ucd98 \ubcc0\ud638\uc0ac\uc640 \uc0c1\ub2f4\ud558\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4. \ubcf8 \uac8c\uc2dc\uae00\uc758 \uc5f4\ub78c\ub9cc\uc73c\ub85c \ubcc0\ud638\uc0ac-\uc758\ub8b0\uc778 \uad00\uacc4\uac00 \uc131\ub9bd\ub418\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.<\/p>\n<\/section>\n","protected":false},"excerpt":{"rendered":"<p>\ub274\uc800\uc9c0\u00b7\ub274\uc695\uc5d0\uc11c Special Needs Trust(SNT) \uc124\uc815, Third-Party\u00b7d4A\u00b7Pooled Trust \ube44\uad50, Medicaid\u00b7SSI \uc790\uaca9 \uc720\uc9c0, ABLE \uacc4\uc88c \ubcd1\ud589 \uc804\ub7b5, \uc218\ud0c1\uc790 \uc120\ud0dd, \ud754\ud55c \uc2e4\uc218\uae4c\uc9c0 \uc2e4\ubb34 \uad00\uc810\uc5d0\uc11c \uc815\ub9ac\ud55c \uc885\ud569 \uac00\uc774\ub4dc.<\/p>\n","protected":false},"author":7,"featured_media":27916,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[356,4216],"tags":[],"class_list":["post-27914","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-356","category-tax-estate-columns-ko"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.9 (Yoast SEO v28.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Special Needs Trust (SNT) \uc644\ubcbd \uac00\uc774\ub4dc: \ub274\uc800\uc9c0\u00b7\ub274\uc695\uc5d0\uc11c \uc7a5\uc560 \uc790\ub140\uc758 \uc790\uc0b0\uacfc \uc815\ubd80 \ud61c\ud0dd\uc744 \uc9c0\ud0a4\ub294 \ubc29\ubc95 | Song Law Firm<\/title>\n<meta name=\"description\" content=\"\ub274\uc800\uc9c0\u00b7\ub274\uc695\uc5d0\uc11c Special Needs Trust(SNT) \uc124\uc815, Third-Party\u00b7d4A\u00b7Pooled Trust \ube44\uad50, Medicaid\u00b7SSI \uc790\uaca9 \uc720\uc9c0, ABLE \uacc4\uc88c \ubcd1\ud589 \uc804\ub7b5, \uc218\ud0c1\uc790 \uc120\ud0dd, \ud754\ud55c \uc2e4\uc218\uae4c\uc9c0 \uc2e4\ubb34 \uad00\uc810\uc5d0\uc11c \uc815\ub9ac\ud55c \uc885\ud569 \uac00\uc774\ub4dc.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/songlawfirm.com\/ko\/snt-guide-2026-08-ko\/\" \/>\n<meta property=\"og:locale\" content=\"ko_KR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Special Needs Trust (SNT) \uc644\ubcbd \uac00\uc774\ub4dc: \ub274\uc800\uc9c0\u00b7\ub274\uc695\uc5d0\uc11c \uc7a5\uc560 \uc790\ub140\uc758 \uc790\uc0b0\uacfc \uc815\ubd80 \ud61c\ud0dd\uc744 \uc9c0\ud0a4\ub294 \ubc29\ubc95\" \/>\n<meta property=\"og:description\" content=\"Song Law Firm provides knowledgeable and reliable legal service to individuals and corporate clients. The firm\u2019s main office is located in Fort Lee, New Jersey\" \/>\n<meta property=\"og:url\" content=\"https:\/\/songlawfirm.com\/ko\/snt-guide-2026-08-ko\/\" \/>\n<meta property=\"og:site_name\" content=\"\uc1a1\ub3d9\ud638 \uc885\ud569\ub85c\ud38c\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/songlawfirmllc\" \/>\n<meta property=\"article:published_time\" content=\"2026-08-28T21:30:26+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-08-28T21:31:56+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/songlawfirm.com\/wp-content\/uploads\/2026\/06\/slf_og_1200x630.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1080\" \/>\n\t<meta property=\"og:image:height\" content=\"720\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Claude Marketing\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:image\" 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