It sounds like you need to consider a special needs trust for that money. A special needs trust is created so that a disabled person can continue receiving government benefits, but the trust can be used for expenses not covered by insurance
. The only disadvantage is that at the death of the disabled person, that money goes to the state.
You need someone to help you draft the trust documents and to go into more detail about it, although this is actually one of the simpler trusts, so look for a lawyer who does trusts and estates work in your area.
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