What’s the solution?
There is a legal device called a special needs or supplemental needs trust that is recommended by estate planning attorneys when these circumstances exist. The way that it works is you fund the trust, and you name a trustee to act as the administrator.
Medicaid and Supplemental Security Income do not necessarily satisfy all of the needs of the benefit recipient. The trustee would be able to use assets in the trust to take care of these needs that are not being met by the government programs without violating any rules.