For the most part, government safety nets are designed for people who do not have access to other money. This is true of the most common safety nets used by people who have special needs, such as Supplemental Security Income and Medicaid. However, that has always made it very difficult for family members of people with special needs to leave them money, without making them ineligible for needed benefits.
In response to this problem, ABLE accounts were created. These special accounts allow people who developed certain disabilities before the age of 26 to save and invest their own money or money that family members give them, according to the Wills, Trusts & Estates Prof Blog in "ABLE Accounts Give Disabled More Financial Freedom."
ABLE accounts are somewhat flexible. They allow the disabled to have up to $100,000 to use to supplement their benefits and still stay eligible for those benefits. It is not too difficult to get money into the accounts. A 529 educational savings account can be rolled into ABLE accounts. Some states even offer tax credits for putting money in an ABLE account.
One of the drawbacks to ABLE accounts, however, is that they can be tricky to set up properly to qualify under the law. For that reason, it is important to use the services of an estate planning attorney, if you have a child with special needs and you would like to leave an inheritance.
Reference: Wills, Trusts & Estates Prof Blog (June 8, 2018) "ABLE Accounts Give Disabled More Financial Freedom."