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Financial > Housing Assistance
Navigating the Housing Landscape for Individuals with Special Needs
The Importance of Financial and Housing Assistance....Financial and Housing Assistance. Individuals with...require additional financial and housing support...can provide vital assistance. Non-profit organizations...housing options. Financial planning is key to...benefits. Working with a financial advisor experienced...with a financial advisor experienced in special...
Financial > Financial Planning
Merrill Lynch Debuts Special Needs Calculator
Merrill Lynch has developed a financial calculator exclusively designed for...out the results and bring them to a financial advisor for further assistance in...results and bring them to a financial advisor for further assistance in developing...to a financial advisor for further assistance in developing a strategy for planning....
Financial > Financial Planning
A Special Needs Planning Timeline: 9 Steps to a Sound Family Plan
...advice will not work for your family. You should not engage the corner financial advisor, a...will not work for your family. You should not engage the corner financial advisor, a...
Financial > Financial Planning
Long-Term Care Insurance and Disability: Planning for Future Care Costs
You've been told long-term care insurance is essential future planning. Financial advisors mention it. Estate planning attorneys bring it up. The message...told long-term care insurance is essential future planning. Financial advisors mention it. Estate planning attorneys bring it up. The message is consistent:...
Financial > Financial Planning
Special Needs Planning for Sudden Wealth: Settlements, Inheritances, and Windfalls
How to protect SSI and Medicaid when a person with a disability receives a large sum of money unexpectedly.
Financial > Financial Planning
Annual Review of Your Special Needs Plan: Checklist for Families
What to review yearly including trust language, trustee performance, letter of intent updates, and benefit eligibility.
Financial > Financial Planning
Medicaid Estate Recovery and Special Needs Trusts
How states recover Medicaid costs from estates and how SNTs protect assets from estate recovery.
Financial > Financial Planning
Leaving Money to a Child with a Disability in Your Will: Common Mistakes to Avoid
Why direct bequests cause benefit loss and how Special Needs Trusts preserve SSI and Medicaid eligibility.
Financial > Financial Planning
Housing Planning for Adults with Disabilities: Group Homes, Supported Living, and Home Ownership
...models: group homes, supported living arrangements, and home ownership. Each has different cost structures, funding sources, and levels of family financial responsibility. Understanding what each model costs and where the money comes from is the foundation of a realistic long-term plan. Group Homes: Residential...
Financial > Financial Planning
Financial Planning for Adults with Intellectual Disabilities: Supported Decision-Making for Money
...a court appoints someone to make financial decisions on behalf of the person...where adults with IDD make their own financial choices with help from trusted supporters....support from people they choose. In financial contexts, it means your adult child...money, whether to save, and what financial goals to pursue. Their supporters...
Financial > Financial Planning
First-Party Special Needs Trusts: When the Person with a Disability Funds the Trust
How first-party SNTs protect benefits when your child receives a settlement, inheritance, or back pay, and what payback means.
Financial > Financial Planning
529 College Savings Plans and ABLE Accounts: Transferring Funds
...plus a 10% penalty. Families with children who had disabilities often faced a choice: leave the money in a 529 it might never be used for, or take a financial hit to access it. SECURE 2.0 created a bridge. You can now move money from a 529 directly into an ABLE account without tax or penalty, as long as...