Because we inherently respect wisdom from our elders, we often don’t question their advice even if the conditions have changed. The recommendation to disinherit a special needs child from their parent’s estate is emblematic of why old advice dies hard and why what is common may no longer be relevant. It is worth our time to identify what has changed.
As soon as your special needs child turns 18 you no longer have the legal authority to make medical and financial decisions on their behalf. For some families, seeking legal guardianship is the only way to ensure a seat at the table.
The ability to provide for a loved one after they are gone is perhaps the biggest concern shared by parents of special needs children. Disabled Adult Child (DAC) benefits are not well known but are critically important for Special Needs Families
There are several distinct phases families with a special needs child will transit throughout their lifetime. The first being the birth of their child until that child qualifies for school age services at 3 years of age. If you are new to Special Needs parenting, this will serve as a primer on many of the areas you should further explore.
There are probably few topics that are more distasteful than discussing insurance. But here’s the thing, it may be one of the most important things you do as a parent of a special needs child.
Details on use of the ABLE Act to save for your Special Needs child’s future