In this Sept. 19, 2020 file photo, a couple stands on a jetty as the sun rises over the Atlantic Ocean in Bal Harbour, Fla. Millions of Americans struggle with mental illnesses. One way to do so is by setting up a trust. An important question to ask is how a trust will affect their loved one’s eligibility for government benefits. Other factors to explore include the best trustees to appoint and whether their estate plan is clear and easy to follow. (AP Photo/Wilfredo Lee, File)
