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A special needs trust is really a document which describes the use of funds. The assets of the trust may be in one or more checking accounts, certificates of deposit, savings accounts, mutual funds, etc. The investments will be determined by the amount of assets and the need of the beneficiary. Disbursements may be made at any time, but should not be made in the same amount on a daily, weekly, or monthly basis. That would give the funds being dispersed the characteristics of being a daily support need, and therefore, a replacement for government benefit. As such the government benefit being received would be reduced by the amounts taken out of the trust on a regular basis.