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As a parent or guardian, you want to ensure that your child with special needs will remain financially secure even when you are no longer there to provide support. Given the significant, ongoing expenses involved in your child's care and uncertainty about what needs...

Many families are justly concerned about the long-term financial security of their loved ones with special needs, especially if parents who have been providing support pass away.  This concern is one reason to create a special needs trust.  But not every family can...

For more than half a century, Social Security disability benefits have served as a lifeline for millions of people with special needs. In fact, Social Security offers two distinctly separate disability benefit programs -- each serving nearly 10 million people -- with...

Social Security Disability Insurance (SSDI) is one of the major federal programs that provides monetary assistance to people with disabilities. Unlike some other programs for people with disabilities (like Supplemental Security Income (SSI), an SSDI recipient can...

Supplemental Security Income (SSI) is a federal program that helps people with disabilities and very low incomes pay for food, clothing and shelter. SSI is often confused with Social Security Disability Insurance (SSDI). One of the main differences between the two...

Often, parents of children with special needs don't consider creating a special needs trust until their child turns 18 or sometimes even later, when the child requires government benefits like Medicaid or Supplemental Security Income (SSI). But special needs trusts...

Among the many challenges for families is making sure there will always be enough money to provide lifetime care for their child(ren) with special needs. The costs are daunting: therapies, housing, medical care, and education to name just a few. One way to plan for...

A special needs trust is set up for an individual with special needs to supplement any benefits they may receive from government programs. A properly drafted special needs trust will allow the beneficiary to receive government benefits while still receiving funds from...

In passing the Achieving a Better Life Experience (ABLE) Act in 2014, Congress created a new way for potentially millions of individuals with special needs to save for disability related expenses without jeopardizing their eligibility for federal public benefit...

ABLE accounts allow individuals with disabilities (or their families) to establish tax-free savings accounts that won’t affect their ability to qualify for, or remain on, government assistance as long as the account balance does not exceed $100,000. However, ABLE...