{"id":27915,"date":"2026-08-28T17:30:26","date_gmt":"2026-08-28T21:30:26","guid":{"rendered":"https:\/\/songlawfirm.com\/snt-guide-2026-08-zh\/"},"modified":"2026-08-28T17:31:58","modified_gmt":"2026-08-28T21:31:58","slug":"snt-guide-2026-08-zh","status":"publish","type":"post","link":"https:\/\/songlawfirm.com\/zh-hans\/snt-guide-2026-08-zh\/","title":{"rendered":"\u7279\u6b8a\u9700\u8981\u4fe1\u6258 (Special Needs Trust) \u5b8c\u5168\u6307\u5357:\u5728NJ\u548cNY\u4e3a\u6b8b\u969c\u5bb6\u5ead\u4fdd\u62a4\u8d44\u4ea7\u4e0e\u653f\u5e9c\u798f\u5229"},"content":{"rendered":"<p class=\"slf-lead\" style=\"font-size:17px;color:#595959;line-height:1.8;margin-bottom:32px;\">\u7279\u6b8a\u9700\u8981\u4fe1\u6258(Special Needs Trust,SNT)\u662f\u4e00\u79cd\u6cd5\u5f8b\u5de5\u5177,\u8ba9NJ\u6216NY\u6709\u6b8b\u969c\u5bb6\u5ead\u6210\u5458\u7684\u5bb6\u5ead\u80fd\u591f\u4e3a\u5176\u9884\u7559\u4e00\u7b14\u53ef\u89c2\u8d44\u91d1,\u540c\u65f6\u4fdd\u7559\u8be5\u6210\u5458\u5bf9Supplemental Security Income(SSI)\u3001Medicaid\u4ee5\u53ca\u5176\u4ed6\u57fa\u4e8e\u8d44\u4ea7\u5ba1\u67e5\u7684\u516c\u5171\u798f\u5229\u7684\u8d44\u683c\u3002\u89c4\u5219\u7cbe\u7ec6\u4e25\u683c:\u4e00\u6b21\u9519\u8bef\u7684\u5206\u914d\u5c31\u53ef\u80fd\u524a\u51cf\u6bcf\u6708\u7684SSI\u652f\u7968,\u6216\u89e6\u53d1Medicaid\u8d44\u4ea7\u8f6c\u79fb\u60e9\u7f5a\u671f\u3002\u6240\u5e78\u6574\u4f53\u6846\u67b6\u5df2\u753142 U.S.C. \u00a71396p(d)(4)\u660e\u786e\u89c4\u5b9a\u3002\u672c\u6587\u6309\u5b9e\u52a1\u89c6\u89d2\u68b3\u7406SNT\u7684\u6982\u5ff5\u3001NJ\u4e0eNY\u5e38\u7528\u7684\u4e09\u79cd\u7c7b\u578b\u3001ABLE\u8d26\u6237\u7684\u642d\u914d\u7b56\u7565\u3001\u53d7\u6258\u4eba\u7684\u9009\u62e9,\u4ee5\u53ca\u5bb6\u5ead\u6700\u5e38\u72af\u7684\u9519\u8bef\u3002<\/p>\n<h2>1. \u4ec0\u4e48\u662f\u7279\u6b8a\u9700\u8981\u4fe1\u6258?<\/h2>\n<p>\u8054\u90a6\u548c\u5dde\u7684\u793e\u4f1a\u4fdd\u969c\u8ba1\u5212\u5bf9\u8d44\u4ea7\u6709\u4e25\u683c\u9650\u5236\u3002\u5bf9\u4e8eSSI\u53d7\u76ca\u4eba,&#8221;\u53ef\u8ba1\u5165\u8d44\u4ea7(countable resources)&#8221;\u4e0a\u9650\u4e3a<strong>$2,000<\/strong>(SSA POMS SI 01110.003)\u3002NJ Medicaid ABD\u4e0eNY Medicaid\u7684\u989d\u5ea6\u7c7b\u4f3c\u3002\u5982\u679c\u6b8b\u969c\u4eba\u58eb\u83b7\u5f97\u9057\u4ea7\u3001\u4eba\u8eab\u4f24\u5bb3\u548c\u89e3\u91d1,\u6216\u5927\u989d\u8d60\u4e0e,\u8fd9\u4e9b\u8d44\u4ea7\u901a\u5e38\u4f1a\u8ba1\u5165\u4e0a\u9650,\u5bfc\u81f4\u798f\u5229\u4e2d\u6b62,\u5bb6\u5ead\u88ab\u8feb\u7d27\u6025&#8221;\u6d88\u8017\u8d44\u4ea7(spend-down)&#8221;\u3002<\/p>\n<p>\u7279\u6b8a\u9700\u8981\u4fe1\u6258\u901a\u8fc7\u5c06\u8d44\u4ea7\u7f6e\u4e8e\u4e00\u4e2a\u6cd5\u5f8b\u4e0a\u72ec\u7acb\u3001\u4ee5\u6b8b\u969c\u53d7\u76ca\u4eba&#8221;\u552f\u4e00\u5229\u76ca(sole benefit)&#8221;\u4e3a\u76ee\u7684\u7684\u5b9e\u4f53\u4e2d\u6765\u89e3\u51b3\u8fd9\u4e00\u95ee\u9898\u3002\u56e0\u4e3a\u53d7\u76ca\u4eba\u4e0d\u62e5\u6709\u4fe1\u6258\u672c\u91d1,\u4e5f\u65e0\u6cd5\u8981\u6c42\u73b0\u91d1\u5206\u914d,\u6240\u4ee5\u4fe1\u6258\u8d44\u4ea7\u4e0d\u8ba1\u5165\u8d44\u6e90\u4e0a\u9650\u3002\u53d7\u6258\u4eba\u7528\u4fe1\u6258\u8d44\u91d1\u652f\u4ed8\u653f\u5e9c\u9879\u76ee\u672a\u8986\u76d6\u7684&#8221;\u8865\u5145\u6027(supplemental)&#8221;\u9700\u6c42\u2014\u2014\u6cbb\u7597\u3001\u8f85\u5177\u3001\u4ea4\u901a\u3001\u6559\u80b2\u3001\u65c5\u884c\u3001\u79d1\u6280\u4ea7\u54c1\u3001\u4e2a\u4eba\u62a4\u7406\u7528\u54c1\u2014\u2014\u4ece\u800c\u63d0\u5347\u751f\u6d3b\u8d28\u91cf,\u540c\u65f6SSI\u4e0eMedicaid\u7167\u5e38\u6301\u7eed\u3002<\/p>\n<h2>2. \u4e09\u79cd\u7279\u6b8a\u9700\u8981\u4fe1\u6258<\/h2>\n<p>\u8054\u90a6Medicaid\u6cd5\u627f\u8ba4\u4e09\u79cd\u8f7d\u4f53,\u9009\u62e9\u54ea\u4e00\u79cd\u53d6\u51b3\u4e8e<em>\u7531\u8c01\u7684\u8d44\u4ea7<\/em>\u6765\u8bbe\u7acb\u4fe1\u6258\u3002<\/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;\">\u9879\u76ee<\/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>\u8d44\u91d1\u6765\u6e90<\/strong><\/td>\n<td style=\"padding:10px;border:1px solid #ddd;\">\u7236\u6bcd\u3001\u7956\u7236\u6bcd\u7b49\u7b2c\u4e09\u65b9<\/td>\n<td style=\"padding:10px;border:1px solid #ddd;\">\u53d7\u76ca\u4eba\u81ea\u8eab\u8d44\u4ea7(\u548c\u89e3\u91d1\u3001\u9057\u4ea7\u7b49)<\/td>\n<td style=\"padding:10px;border:1px solid #ddd;\">\u672c\u4eba\u6216\u7b2c\u4e09\u65b9\u8d44\u4ea7<\/td>\n<\/tr>\n<tr>\n<td style=\"padding:10px;border:1px solid #ddd;\"><strong>\u6cd5\u5f8b\u4f9d\u636e<\/strong><\/td>\n<td style=\"padding:10px;border:1px solid #ddd;\">\u5dde\u4fe1\u6258\u666e\u901a\u6cd5<\/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>\u5e74\u9f84\u9650\u5236<\/strong><\/td>\n<td style=\"padding:10px;border:1px solid #ddd;\">\u65e0<\/td>\n<td style=\"padding:10px;border:1px solid #ddd;\">\u53d7\u76ca\u4eba\u5e74\u6ee165\u5c81\u524d\u8bbe\u7acb<\/td>\n<td style=\"padding:10px;border:1px solid #ddd;\">\u4efb\u4f55\u5e74\u9f84(65\u5c81\u4ee5\u4e0a\u56e0\u5dde\u800c\u5f02)<\/td>\n<\/tr>\n<tr>\n<td style=\"padding:10px;border:1px solid #ddd;\"><strong>\u53d7\u6258\u4eba<\/strong><\/td>\n<td style=\"padding:10px;border:1px solid #ddd;\">\u8bbe\u7acb\u4eba\u6307\u5b9a\u4e2a\u4eba\u6216\u6cd5\u4eba<\/td>\n<td style=\"padding:10px;border:1px solid #ddd;\">\u4e2a\u4eba\u6216\u6cd5\u4eba;NJ\/NY\u5bf9\u4e8e\u5927\u989d\u6b3e\u9879\u5e38\u9700\u6cd5\u9662\u6279\u51c6<\/td>\n<td style=\"padding:10px;border:1px solid #ddd;\">\u975e\u8425\u5229\u7ec4\u7ec7\u7ba1\u7406\u4e3b\u4fe1\u6258,\u8bbe\u6709\u4e2a\u4eba\u5b50\u8d26\u6237<\/td>\n<\/tr>\n<tr>\n<td style=\"padding:10px;border:1px solid #ddd;\"><strong>\u8eab\u6545\u540eMedicaid\u507f\u4ed8<\/strong><\/td>\n<td style=\"padding:10px;border:1px solid #ddd;\"><strong>\u65e0\u9700<\/strong>\u2014\u2014\u4f59\u989d\u53ef\u7531\u5bb6\u4eba\u7ee7\u627f<\/td>\n<td style=\"padding:10px;border:1px solid #ddd;\"><strong>\u5fc5\u9700<\/strong>\u2014\u2014\u5ddeMedicaid\u5728\u751f\u524d\u7d2f\u8ba1\u652f\u4ed8\u8303\u56f4\u5185\u4f18\u5148\u507f\u4ed8<\/td>\n<td style=\"padding:10px;border:1px solid #ddd;\">\u975e\u8425\u5229\u7ec4\u7ec7\u53ef\u4fdd\u7559\u4f59\u989d\u6216\u507f\u4ed8Medicaid(\u8bbe\u8ba1\u800c\u5f02)<\/td>\n<\/tr>\n<tr>\n<td style=\"padding:10px;border:1px solid #ddd;\"><strong>\u5178\u578b\u573a\u666f<\/strong><\/td>\n<td style=\"padding:10px;border:1px solid #ddd;\">\u9057\u4ea7\u89c4\u5212\u3001\u8d60\u4e0e\u3001\u4eba\u5bff\u4fdd\u9669\u91d1<\/td>\n<td style=\"padding:10px;border:1px solid #ddd;\">\u4eba\u8eab\u4f24\u5bb3\u548c\u89e3\u91d1\u3001\u8ffd\u6eafSSDI\u3001\u76f4\u63a5\u7ee7\u627f<\/td>\n<td style=\"padding:10px;border:1px solid #ddd;\">\u91d1\u989d\u8f83\u5c0f\u3001\u65e0\u5408\u9002\u4e2a\u4eba\u53d7\u6258\u4eba\u3001\u9700\u5feb\u901f\u8bbe\u7acb<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h3>Third-Party SNT(\u7b2c\u4e09\u65b9SNT)<\/h3>\n<p>\u7236\u6bcd\u4e0e\u7956\u7236\u6bcd\u901a\u5e38\u5728\u9057\u4ea7\u89c4\u5212\u4e2d\u8bbe\u7acb\u7b2c\u4e09\u65b9SNT\u3002\u53ef\u4ee5\u662f\u72ec\u7acb\u4fe1\u6258,\u4e5f\u53ef\u4ee5\u662f\u9057\u5631\u5185\u7684\u9057\u5631\u4fe1\u6258(testamentary trust)\u3002\u56e0\u4e3a\u8d44\u91d1\u4ece\u672a\u5c5e\u4e8e\u53d7\u76ca\u4eba,\u6240\u4ee5\u53d7\u76ca\u4eba\u8eab\u6545\u540e<strong>\u65e0\u9700\u5411Medicaid\u507f\u4ed8<\/strong>\u2014\u2014\u4f59\u989d\u53ef\u4f9d\u5bb6\u5ead\u610f\u613f\u7559\u7ed9\u5144\u5f1f\u59d0\u59b9\u6216\u6350\u8d60\u6148\u5584\u673a\u6784\u3002<\/p>\n<h3>First-Party SNT (d4A)<\/h3>\n<p>\u5f53\u8d44\u91d1\u539f\u672c\u5c31\u5c5e\u4e8e\u53d7\u76ca\u4eba\u2014\u2014\u4f8b\u5982\u4eba\u8eab\u4f24\u5bb3\u548c\u89e3\u91d1,\u6216\u5bb6\u5ead\u5c1a\u672a\u6765\u5f97\u53ca\u89c4\u5212\u7684\u76f4\u63a5\u7ee7\u627f\u2014\u2014\u8054\u90a6\u6cd5\u5141\u8bb8\u8bbe\u7acb&#8221;d4A&#8221;\u81ea\u7b79(self-settled)SNT\u3002\u5fc5\u987b\u7531\u7236\u6bcd\u3001\u7956\u7236\u6bcd\u3001\u6cd5\u5b9a\u76d1\u62a4\u4eba\u3001\u6cd5\u9662,\u6216(\u81ea2016\u5e74Special Needs Trust Fairness Act\u4ee5\u6765)\u6709\u51b3\u5b9a\u80fd\u529b\u7684\u53d7\u76ca\u4eba\u672c\u4eba\u8bbe\u7acb\u3002\u8eab\u6545\u65f6\u4f59\u989d\u987b\u5148\u507f\u8fd8\u5ddeMedicaid,\u518d\u8f6c\u7ed9\u5269\u4f59\u53d7\u76ca\u4eba\u3002<\/p>\n<h3>Pooled Trust (d4C)<\/h3>\n<p>\u975e\u8425\u5229\u7ec4\u7ec7\u8fd0\u4f5c\u4e3b\u4fe1\u6258,\u5e76\u4e3a\u4e2a\u4eba\u8bbe\u7acb\u5b50\u8d26\u6237\u3002\u8d44\u4ea7\u89c4\u6a21\u4e0d\u5927\u7684\u5bb6\u5ead\u4e5f\u80fd\u5f97\u5230\u4e13\u4e1a\u4fe1\u6258\u7ba1\u7406,\u800c\u514d\u53bb\u72ec\u7acb\u53d7\u6258\u4eba\u7684\u6210\u672c\u8d1f\u62c5\u3002NJ\u4e0eNY\u5404\u81ea\u90fd\u6709\u6210\u719f\u7684Pooled Trust\u673a\u6784\u3002\u5f53\u548c\u89e3\u91d1\u8f83\u5c0f\u6216\u7f3a\u4e4f\u53ef\u9760\u7684\u4e2a\u4eba\u53d7\u6258\u4eba\u65f6,Pooled Trust\u5f80\u5f80\u662f\u53ef\u884c\u9009\u9879\u3002<\/p>\n<h2>3. SSI\u4e0eMedicaid\u8d44\u683c\u5982\u4f55\u5f97\u4ee5\u4fdd\u7559<\/h2>\n<p>\u673a\u5236\u6e05\u6670\u4f46\u4e25\u683c:\u56e0\u4e3a\u53d7\u76ca\u4eba\u4e0d\u638c\u63e1\u6240\u6709\u6743\u4e0e\u63a7\u5236\u6743,\u4fe1\u6258\u8d44\u4ea7\u4f9d\u636eSSA POMS SI 01120.200(\u4e00\u822c\u4fe1\u6258\u89c4\u5219)\u548cSI 01120.203(\u00a71396p\u4fe1\u6258\u4e13\u9879)\u4e0d\u6784\u6210&#8221;\u8d44\u6e90&#8221;\u3002\u53ea\u8981\u53d7\u6258\u4eba\u76f4\u63a5\u5411\u7b2c\u4e09\u65b9(\u5546\u54c1\/\u670d\u52a1\u63d0\u4f9b\u8005)\u4ed8\u6b3e,\u800c\u4e0d\u5c06\u73b0\u91d1\u4ea4\u7ed9\u53d7\u76ca\u4eba,\u5206\u914d\u4e5f\u4e0d\u7b97\u53d7\u76ca\u4eba\u7684&#8221;\u6536\u5165&#8221;\u3002<\/p>\n<div style=\"background:#f7f5f0;padding:20px;border-left:4px solid #98344A;margin:24px 0;\">\n<p style=\"margin:0;\"><strong>\u5b9e\u52a1\u63d0\u793a:<\/strong>\u53d7\u6258\u4eba\u5e94<strong>\u76f4\u63a5\u5411\u4f9b\u5e94\u5546\u4ed8\u6b3e<\/strong>\u2014\u2014\u7269\u7406\u6cbb\u7597\u8bca\u6240\u3001\u822a\u7a7a\u516c\u53f8\u3001\u7535\u5668\u96f6\u552e\u5546\u2014\u2014\u800c\u4e0d\u662f\u5148\u7531\u53d7\u76ca\u4eba\u57ab\u4ed8\u518d\u7531\u4fe1\u6258\u62a5\u9500\u3002\u62a5\u9500\u7ed9\u53d7\u76ca\u4eba\u7684\u6b3e\u9879\u53ef\u80fd\u88ab\u91cd\u65b0\u5b9a\u6027\u4e3a\u6536\u5165,\u8fdb\u800c\u524a\u51cfSSI\u3002<\/p>\n<\/div>\n<h3>ISM\u9677\u9631:\u98df\u7269\u4e0e\u4f4f\u623f<\/h3>\n<p>\u5373\u4fbf\u4fe1\u6258\u672c\u8eab\u8bbe\u7acb\u5408\u89c4,\u5982\u679c\u5b83\u4e3a\u53d7\u76ca\u4eba\u7684\u98df\u7269\u6216\u4f4f\u623f\u652f\u51fa(\u79df\u91d1\u3001\u6309\u63ed\u3001\u623f\u4ea7\u7a0e\u3001\u6c34\u7535\u8d39)\u4ed8\u6b3e,\u4ecd\u53ef\u80fd\u89e6\u53d1&#8221;\u5b9e\u7269\u8d61\u517b\u4e0e\u7ef4\u6301(In-Kind Support and Maintenance, ISM)&#8221;\u89c4\u5b9a,SSI\u5728&#8221;\u63a8\u5b9a\u6700\u9ad8\u503c(Presumed Maximum Value)&#8221;\u89c4\u5219\u4e0b\u6700\u9ad8\u88ab\u524a\u51cf\u7ea6\u4e09\u5206\u4e4b\u4e00(POMS SI 00835.300\u7cfb\u5217)\u3002\u5bb6\u5ead\u5728\u52a8\u7528\u4fe1\u6258\u652f\u4ed8\u5bb6\u5ead\u5f00\u9500\u524d\u5e94\u54a8\u8be2\u5f8b\u5e08:\u6709\u65f6\u63a5\u53d7ISM\u524a\u51cf\u66f4\u5212\u7b97,\u6709\u65f6\u6539\u7531ABLE\u8d26\u6237\u652f\u4ed8\u66f4\u5408\u9002\u3002<\/p>\n<h2>4. ABLE\u8d26\u6237\u4e0eSNT\u7684\u642d\u914d\u7b56\u7565<\/h2>\n<p>ABLE\u8d26\u6237(Achieving a Better Life Experience)\u75312014\u5e74\u7acb\u6cd5\u5236\u5b9a,\u89c4\u5b9a\u4e8e<strong>26 U.S.C. \u00a7529A<\/strong>,\u4e3a\u6b8b\u969c\u53d1\u751f\u4e8e46\u5c81\u524d(SECURE 2.0\u6cd5\u6848\u5c06\u539f26\u5c81\u4e0a\u8c03,2026\u5e74\u751f\u6548)\u7684\u4e2a\u4eba\u63d0\u4f9b\u7a0e\u6536\u4f18\u60e0\u7684\u50a8\u84c4\u5de5\u5177\u3002\u6838\u5fc3\u7279\u5f81\u5982\u4e0b:<\/p>\n<ul>\n<li>\u5e74\u5ea6\u5b58\u5165\u4e0a\u9650\u4e0e\u8054\u90a6\u8d60\u4e0e\u7a0e\u5e74\u5ea6\u514d\u7a0e\u989d\u6302\u94a9(\u5f53\u524d\u7ea6\u4e3a<strong>$18,000\u81f3$19,000<\/strong>,\u6bcf\u5e74\u8c03\u6574)\u3002<\/li>\n<li>\u5728\u804c\u53d7\u76ca\u4eba\u53ef\u989d\u5916\u5c06\u81ea\u8eab\u6536\u5165\u5b58\u5165,\u76f4\u81f3\u8054\u90a6\u8d2b\u56f0\u7ebf\u6c34\u5e73\u3002<\/li>\n<li>\u4f59\u989d\u5728<strong>$100,000<\/strong>\u4ee5\u5185\u4e0d\u8ba1\u5165SSI\u8d44\u6e90\u5ba1\u67e5;\u8d85\u51fa\u90e8\u5206\u4e0d\u4f1a\u7ec8\u6b62SSI,\u53ea\u662f\u6682\u65f6\u505c\u53d1\u3002<\/li>\n<li>Medicaid\u8d44\u683c\u4e0d\u53d7\u4f59\u989d\u5f71\u54cd\u3002<\/li>\n<li>\u7528\u4e8e&#8221;\u5408\u683c\u6b8b\u969c\u76f8\u5173\u652f\u51fa(qualified disability expenses)&#8221;\u2014\u2014\u4f4f\u623f\u3001\u4ea4\u901a\u3001\u6559\u80b2\u3001\u5c31\u4e1a\u57f9\u8bad\u3001\u8f85\u52a9\u79d1\u6280\u3001\u4e2a\u4eba\u652f\u6301\u3001\u5065\u5eb7\u3001\u8d22\u52a1\u7ba1\u7406\u2014\u2014\u7684\u63d0\u6b3e\u514d\u7a0e\u3002<\/li>\n<li>\u4e0eSNT\u4e0d\u540c,ABLE\u8d44\u91d1<em>\u53ef\u4ee5<\/em>\u7528\u4e8e\u98df\u7269\u4e0e\u4f4f\u623f,\u4e0d\u4f1a\u89e6\u53d1ISM\u3002<\/li>\n<\/ul>\n<h3>\u5b9e\u52a1\u5206\u5c42<\/h3>\n<p>\u6700\u5e38\u89c1\u7684\u7b56\u7565\u662f\u5c06SNT(\u7528\u4e8e\u5927\u989d\u8d44\u4ea7\u4e0e\u957f\u671f\u7167\u62a4)\u4e0eABLE\u8d26\u6237(\u7528\u4e8e\u7075\u6d3b\u7684\u65e5\u5e38\u5c0f\u989d\u652f\u51fa)\u642d\u914d\u4f7f\u7528\u3002SNT\u53d7\u6258\u4eba\u6bcf\u5e74\u5728\u5b58\u5165\u4e0a\u9650\u5185\u5411ABLE\u8d26\u6237\u8f6c\u6b3e,\u53d7\u76ca\u4eba\u6216\u6388\u6743\u7b7e\u7f72\u4eba\u4fbf\u53ef\u7528ABLE\u501f\u8bb0\u5361\u652f\u4ed8\u623f\u79df\u3001\u65e5\u7528\u54c1\u3001\u6c34\u7535\u8d39,\u800c\u65e0\u9700\u627f\u62c5ISM\u540e\u679c\u3002<\/p>\n<h2>5. \u5982\u4f55\u9009\u62e9\u53d7\u6258\u4eba<\/h2>\n<p>\u53d7\u6258\u4eba\u7684\u9009\u62e9\u5f80\u5f80\u6bd4\u4fe1\u6258\u6587\u4ef6\u672c\u8eab\u66f4\u4e3a\u5173\u952e\u3002\u53d7\u6258\u4eba\u5fc5\u987b\u7406\u89e3SSI\/Medicaid\u89c4\u5219\u3001\u7ef4\u6301\u7cbe\u7ec6\u7684\u8d26\u76ee\u3001\u6309Subchapter J\u89c4\u5b9a\u7533\u62a5\u7a0e\u52a1(SNT\u901a\u5e38\u6309\u590d\u6742\u4fe1\u6258\u5f81\u7a0e),\u5e76\u4e0e\u53d7\u76ca\u4eba\u7684\u7167\u62a4\u56e2\u961f\u534f\u4f5c\u6570\u5341\u5e74\u4e4b\u4e45\u3002<\/p>\n<h3>\u4e2a\u4eba\u53d7\u6258\u4eba<\/h3>\n<p>\u7236\u6bcd\u6216\u5144\u5f1f\u59d0\u59b9\u6700\u4e86\u89e3\u53d7\u76ca\u4eba\u3002\u4f46\u9700\u6743\u8861\u957f\u5bff\u6027(\u7236\u6bcd\u4e0d\u53ef\u80fd\u6c38\u8fdc\u5728\u4e16)\u3001\u4e0e\u4e2a\u4eba\u8d44\u91d1\u6df7\u540c\u7684\u98ce\u9669,\u4ee5\u53ca\u7a0e\u52a1\u4e0e\u798f\u5229\u5408\u89c4\u7684\u8d1f\u62c5\u3002\u82e5\u6307\u5b9a\u4e2a\u4eba\u53d7\u6258\u4eba,\u5efa\u8bae\u8bbe\u5b9a\u591a\u540d\u540e\u5907\u53d7\u6258\u4eba,\u5e76\u8003\u8651\u8054\u5408\u53d7\u6258\u4eba\u3002<\/p>\n<h3>\u6cd5\u4eba\u6216\u4e13\u4e1a\u53d7\u6258\u4eba<\/h3>\n<p>\u94f6\u884c\u4fe1\u6258\u90e8\u4e0e\u72ec\u7acb\u4fe1\u6258\u516c\u53f8\u63d0\u4f9b\u673a\u6784\u7684\u7a33\u5b9a\u6027\u4e0e\u5408\u89c4\u67b6\u6784\u3002\u8d39\u7528\u901a\u5e38\u4e3a\u7ba1\u7406\u8d44\u4ea7\u7684\u5e741%\u20131.5%,\u4f46\u8bbe\u6709\u6700\u4f4e\u8d39\u7528\u95e8\u69db,\u5bf9\u5c0f\u989d\u4fe1\u6258\u53ef\u80fd\u4e0d\u7ecf\u6d4e\u3002\u4e2d\u578b\u4fe1\u6258\u5e38\u91c7\u7528\u6df7\u5408\u7ed3\u6784\u2014\u2014\u4e2a\u4eba\u8054\u5408\u53d7\u6258\u4eba\u8d1f\u8d23\u5bb6\u5ead\u6c9f\u901a,\u6cd5\u4eba\u8054\u5408\u53d7\u6258\u4eba\u8d1f\u8d23\u884c\u653f\u7ba1\u7406\u3002<\/p>\n<h3>\u610f\u5411\u4e66(Letter of Intent)<\/h3>\n<p>\u65e0\u8bba\u9009\u62e9\u4f55\u79cd\u53d7\u6258\u4eba,\u5bb6\u5ead\u90fd\u5e94\u51c6\u5907\u4e00\u4efd&#8221;\u610f\u5411\u4e66&#8221;,\u8bf4\u660e\u53d7\u76ca\u4eba\u7684\u65e5\u5e38\u4f5c\u606f\u3001\u504f\u597d\u3001\u533b\u7597\u63d0\u4f9b\u8005\u3001\u6c9f\u901a\u65b9\u5f0f\u4e0e\u4f18\u5148\u4e8b\u9879\u3002\u867d\u65e0\u6cd5\u5f8b\u7ea6\u675f\u529b,\u4f46\u5bf9\u540e\u4efb\u53d7\u6258\u4eba\u63a5\u624b\u975e\u5e38\u6709\u4ef7\u503c\u3002<\/p>\n<h2>6. \u5e38\u89c1\u9519\u8bef<\/h2>\n<ul>\n<li><strong>\u76f4\u63a5\u5411\u53d7\u76ca\u4eba\u53d1\u653e\u73b0\u91d1\u3002<\/strong>\u6700\u5e38\u89c1\u7684\u9519\u8bef\u3002\u4efb\u4f55\u73b0\u91d1\u5206\u914d\u90fd\u7b97\u4f5c\u6536\u5165,\u8d85\u8fc7$20\u4e00\u822c\u6536\u5165\u8c41\u514d\u540e\u63091:1\u524a\u51cfSSI\u3002<\/li>\n<li><strong>\u628a&#8221;\u5b69\u5b50\u90a3\u4efd\u94b1&#8221;\u653e\u5728\u7236\u6bcd\u94f6\u884c\u8d26\u6237\u4e2d\u3002<\/strong>\u90a3\u4e0d\u662f\u4fe1\u6258\u2014\u2014\u90a3\u7b14\u94b1\u53ea\u662f\u7236\u6bcd\u7684\u8d44\u4ea7,\u5728\u79bb\u5a5a\u3001\u8bc9\u8bbc\u6216\u7236\u6bcd\u65e5\u540e\u957f\u671f\u7167\u62a4Medicaid\u56de\u6eaf\u5ba1\u67e5\u4e2d\u90fd\u53ef\u80fd\u88ab\u8ffd\u53ca\u3002<\/li>\n<li><strong>\u4fdd\u9669\u4e0e\u9000\u4f11\u8d26\u6237\u4ecd\u76f4\u63a5\u6307\u5b9a\u6b8b\u969c\u5bb6\u4eba\u4e3a\u53d7\u76ca\u4eba\u3002<\/strong>\u53d7\u76ca\u4eba\u6307\u5b9a\u4f18\u5148\u4e8e\u9057\u5631,\u5e94\u66f4\u65b0\u4e3aThird-Party SNT\u3002<\/li>\n<li><strong>\u672a\u7ecf\u89c4\u5212\u5c31\u7528SNT\u652f\u4ed8\u79df\u91d1\u4e0e\u65e5\u7528\u54c1\u3002<\/strong>ISM\u81ea\u52a8\u751f\u6548,\u53ef\u80fd\u6084\u6084\u524a\u51cf\u6bcf\u6708\u7ea61\/3\u7684SSI\u3002<\/li>\n<li><strong>d4A\u8bbe\u7acb\u8fc7\u8fdf\u3002<\/strong>First-Party\u4fe1\u6258\u5fc5\u987b\u5728\u53d7\u76ca\u4eba\u6ee165\u5c81\u524d\u8bbe\u7acb\u5e76\u6ce8\u8d44\u3002\u62d6\u5ef6\u53ef\u80fd\u8feb\u4f7f\u5bb6\u5ead\u6539\u7528Pooled Trust,\u6700\u574f\u60c5\u51b5\u4e0b\u4e0d\u5f97\u4e0d&#8221;\u6d88\u8017\u8d44\u4ea7&#8221;\u3002<\/li>\n<li><strong>\u4f7f\u7528\u901a\u7528\u6a21\u677f\u3002<\/strong>\u666e\u901a\u4fe1\u6258\u6a21\u677f\u901a\u5e38\u7f3a\u4e4f&#8221;sole benefit&#8221;\u3001&#8221;spendthrift&#8221;\u3001Medicaid\u507f\u4ed8\u7b49\u5fc5\u8981\u6761\u6b3e\u3002\u6587\u4ef6\u4e0d\u5f53\u7684SNT\u53ef\u80fd\u88ab\u8ffd\u6eaf\u8ba4\u5b9a\u4e3a\u53ef\u8ba1\u5165\u8d44\u6e90\u3002<\/li>\n<\/ul>\n<h2>7. NJ\u4e0eNY:\u5730\u65b9\u6027\u8981\u70b9<\/h2>\n<h3>NJ(\u65b0\u6cfd\u897f\u5dde)<\/h3>\n<p>NJ Medicaid ABD(\u8001\u5e74\u3001\u76f2\u3001\u6b8b)\u4e0eNJ FamilyCare\u5bf9\u00a71396p(d)(4)\u4fe1\u6258\u7684\u5904\u7406\u4e0e\u8054\u90a6\u89c4\u5219\u4e00\u81f4\u3002\u4f46\u82e5\u53d7\u76ca\u4eba\u662f\u672a\u6210\u5e74\u4eba\u6216\u7ecf\u6cd5\u9662\u88c1\u5b9a\u4e3a\u65e0\u884c\u4e3a\u80fd\u529b\u8005,\u4ee5\u4eba\u8eab\u4f24\u5bb3\u548c\u89e3\u91d1\u8bbe\u7acbd4A\u901a\u5e38\u9700\u8981\u6cd5\u9662\u6279\u51c6\u3002NJ\u7684Pooled Trust\u751f\u6001\u8f83\u4e3a\u6d3b\u8dc3,\u5f53\u548c\u89e3\u91d1\u7ea6\u5728$250,000\u4ee5\u4e0b\u65f6\u662f\u6709\u529b\u66ff\u4ee3\u65b9\u6848\u3002<\/p>\n<h3>NY(\u7ebd\u7ea6\u5dde)<\/h3>\n<p>NY Medicaid\u7684SSI\u76f8\u5173\u8ba4\u5b9a\u6cbf\u7528POMS SI 01120.203,\u540c\u65f6\u9002\u752818 NYCRR 360-4.5\u3002NY\u8fd8\u4f9dEPTL \u00a77-1.12\u627f\u8ba4Supplemental Needs 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