In "Reaching For Sun" by Tracie Vaughn Zimmer, Josie Wyatt knows what it means to be different. Even if Josie wants to forget that she was born with a disability, her mom can't seem to let it go.
In 2014 the Achieving a Better Life Experience Act was passed. The ABLE account is a tax-advantaged savings account for individuals with disabilities. The individual with the disability is the account owner and anyone can contribute to the account – the account beneficiary, family, friends, even a Special Needs Trust.
A special needs trust is a written legal agreement that enables an individual with a disability to qualify or remain qualified for means tested government benefits, such as medicaid, SSI or even medicaid waivers.