We have integrated our Trust and Estate, Investment Management, and Private Banking divisions into one collaborative team under our new Orange Wealth Management Group. This new structure seamlessly provides our clients with a truly unique, personalized experience with superior advice for all their wealth management needs.

Our Special Needs Trusts and Guardianship Services help you protect your family member.

SPECIAL NEEDS TRUSTS – For a Disabled Family Member

A Legal Entity to Set Aside Money or Property

  • To benefit a child or adult living with a disability
  • Designed to protect their eligibility for public funds
  • May be established by a family member with their funds, or to receive funds from a settlement for the beneficiary
  • Also called a Supplemental Needs Trust

SUPPLEMENT, NOT SUPPLANT – May only be used to supplement government programs

  • May be used to enhance the beneficiary’s quality of life by providing for activities and services including education, recreational activities, customized living arrangements and medical treatments not covered by government benefits


  • Assets should be invested to provide for current and future needs
  • We understand the unique requirements of administering an SNT including the account requirements and not making disqualifying distributions

Providing the best quality of life for the disabled while preserving public benefits requires knowledgeable professionals.  We understand the government rules, and we work with healthcare providers, education advocates, attorneys, and accountants, and you to protect your family member and give you peace of mind.

Call our Special Needs Trust team today: 914-298-9374

*Nondeposit investment products are not insured by the FDIC. Nondeposit investment products are not obligations of, or guaranteed by, the financial institution. Nondeposit investments will subject the purchaser to investment risk, including possible loss of the principal amount invested.

Let Us Contact You

Orange Bank and Trust has a heritage and tradition of community banking for over 129 years. Our local bankers are at your service for all your financial needs whether you’re running a business or a family.

Meet with us to learn more

Find a Branch Near You

Let us Contact You

An Orange Bank & Trust Banker will be in touch with you

Contact Me
* Indicates Required
I am interested in (check all that apply)
Preferred method of contact
Find an ATM Contact Us