Special Needs Families; Forging A Path Together

Navigating Retirement and Beyond

Navigating both retirement and planning for your special needs child can be overwhelming. As a family with unique needs, ensuring the future security and well-being of your loved one requires careful consideration and expert guidance. I am here to help you and your family answer the crucial questions that arise during this planning process.

Do We Need a Trust?

Establishing a trust can be a vital step in safeguarding your child’s financial future. A special needs trust, specifically, can seek to protect assets while ensuring eligibility for government benefits. This type of trust can provide for supplemental needs without disqualifying your child from essential programs like Medicaid and Supplemental Security Income (SSI).

When Does Medicare Start?

Determining when your child will qualify for Medicare is another important consideration. Typically, individuals who qualify for SSDI will become eligible for Medicare after a 24-month waiting period. Understanding this timeline and how it interacts with other benefits like Medicaid is essential. I can help you plan for this transition and understand the coverage options available to your family.

What Happens When We Go From SSI to SSDI?

Understanding the transition from Supplemental Security Income (SSI) to Social Security Disability Insurance (SSDI) is crucial. This change can affect your child’s benefits and financial stability.

Should We Have an ABLE Account?

An ABLE (Achieving a Better Life Experience) account can be a powerful tool for saving money for disability-related expenses without affecting eligibility for means-tested benefits like SSI and Medicaid. Contributions to an ABLE account grow tax-free, and the funds can be used for a wide range of expenses. I can help you evaluate if an ABLE account is suitable for your child’s needs and assist you in setting one up.

Comprehensive Support for Your Family

Planning for the future of a special needs child involves many moving parts. From legal considerations to financial planning and navigating government benefits, having an experienced advisor can make a significant difference. I am dedicated to helping you create a comprehensive plan that addresses your family’s unique needs.

This information is not intended to be a substitute for individualized legal advice. Please consult your legal advisor regarding your specific situation.

Steps to Protecting a Child with Disabilities

Planning for children with special needs can be confusing but by working together, we can help navigate those challenges.

4 Steps to Protecting a Child with Disabilities

Planning for a child with special needs can be complicated, confusing, and even overwhelming.

Planning for Special Needs Families