Special Needs Trust Company

The Special Needs Trust Company (SNTC) is a not-for-profit trust company and registered charity that provides affordable trust services for persons with special needs. Since 1 April 2025, SNTC has been a fully owned subsidiary of SG Enable; it is supported by the Ministry of Social and Family Development (MSF) and works with the Public Trustee's Office (SG Enable, About SNTC). SNTC is not a government ministry, a cash-payout scheme, or a replacement for a will or professional legal advice.

What SNTC does

SNTC provides a vehicle for caregivers to set aside money for a dependant with special needs and to arrange longer-term financial support. Under a Special Needs Trust (SNT), SNTC holds and manages trust assets for the beneficiary according to the trust deed; the Public Trustee's Office holds and invests the funds, and the principal value is guaranteed by the Government under the published scheme description (SG Enable, Special Needs Trust). SNTC also provides case-manager support for future-care planning.

The trust is not the same thing as a monthly disability benefit. It is a legal arrangement funded through caregiver planning, which can receive assets such as gifts under a will, CPF cash and insurance nominations subject to the applicable rules. Families should confirm current requirements, documents, fees and legal implications with SNTC or an appropriately qualified adviser.

Eligibility, fees and support

SG Enable's published SNT information states that a beneficiary must be a person with special needs, be a Singapore Citizen or permanent resident, and reside in Singapore. MSF subsidises SNTC fees by 90–100% according to the published information (SG Enable, About Special Needs Trust). The subsidy and eligibility description are scheme details, not a promise that every applicant will receive the same fee outcome; current terms should be checked before application.

SNTC also administers the Special Needs Savings Scheme (SNSS) through SG Enable, acting for and on behalf of SNTC. SNSS allows eligible parents to nominate CPF savings for a child with special needs after the parent's death; it is distinct from an SNT, which is a trust arrangement for assets placed under a trust deed (SG Enable, Special Needs Savings Scheme).

Corporate and institutional boundaries

SNTC is a company limited by guarantee, charity and Institution of a Public Character rather than a statutory board. Its corporate-information page identifies SG Enable as its parent after the 2025 integration and MSF as sector administrator (SG Enable, SNTC Corporate Information). This relationship does not make SNTC the general disability regulator or the administrator of every disability support scheme. SG Enable remains the wider disability-support gateway; SNTC's specialised role is trust management and future-care planning.

SNTC's published client count and service details are changing operational figures. They should not be used as a prevalence estimate for disability, a count of all trust beneficiaries, or a measure of all families receiving disability support. For the wider scheme map, read disability support and inclusion.