Understanding SNT spending rules is crucial. Wrong distributions can cost your loved one their benefits.
The Golden Rule
SNT funds should SUPPLEMENT government benefits, not replace them.
Safe Expenditures
Always Allowed
- Education and training
- Electronics and computers
- Entertainment and recreation
- Travel and vacations
- Hobbies and sports equipment
- Personal care items
- Vehicle purchase and modifications
- Home furnishings
- Professional services
Usually Safe
- Prepaid phone plans
- Internet service
- Cable/streaming services
- Companion and caregiver services
Dangerous Distributions
Direct Cash
Never give cash directly to the beneficiary.
Food and Shelter
These can reduce SSI benefits. Understand ISM (In-Kind Support and Maintenance) rules.
Gift Cards
Treat like cash - can be problematic.
The Shelter/Food Exception
If SNT pays for housing costs, SSI may be reduced by up to 1/3 + $20. Sometimes worth it for better housing.
Get Professional Help
SNT spending rules are complex. Pioneer Credit Solution connects you with experts. Call 1-888-271-2293.