Public benefit programs such as Medicaid are federally created but state-administered, resulting in significant differences across jurisdictions. This session will explore how variations in eligibility rules, resource limits, waiver programs, housing supports, and enforcement practices impact planning for individuals with disabilities. We will also discuss forum shopping—when families consider relocating to a different state to access more favorable benefits—and the legal, ethical, and practical implications of such decisions. Attendees will learn how to identify state-specific issues that affect special needs trusts and financial planning as well as how to guide families who may be crossing borders, whether by choice or necessity.