Are there any other options besides a special needs trust that can protect a beneficiary of their deceased parent's estate , from having to chose between jeopardizing SSI / Disability health care , or being able to protect the little inheritance left over from the estate of deceased parent . Are there any exceptions the court will make for someone who spent 6 yrs taking care of a very sick parent who ended up going through all their money on medical expenses . I basically inherited a nightmare , which has caused major health issues for me , and I am unable to qualify for SSDI BC I don't have the 10 yrs of wk history , BC I was taking care of my parent . I don't want to get " stuck , " on SSI forever . If I can keep my health care and get better , I can start my life w the 20 grand I will be lucky to get .