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Financial > Financial Planning
Special Needs Planning for Sudden Wealth: Settlements, Inheritances, and Windfalls
...money is gone, and months of waiting. During that gap, medication costs resume, therapy stops, and home care disappears. This is fixable with advance planning. The key is keeping the money out of countable assets entirely. Why Sudden Money Triggers Benefit Loss. SSI and Medicaid are means-tested programs....
Financial > Financial Planning
Annual Review of Your Special Needs Plan: Checklist for Families
Most families complete special needs planning once and put the documents in a drawer. The trust gets funded. The will gets executed. The letter of intent gets written. Then life moves on. Here's...
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
...waiting lists measured in years and eligibility rules that require advance planning. The time to start is now, not when they turn 21. Housing for adults with...Each has different cost structures, funding sources, and levels of family financial responsibility. Understanding what each model costs and where the money...
Financial > Financial Planning
Financial Planning for Adults with Intellectual Disabilities: Supported Decision-Making for Money
...appoints someone to make financial decisions on behalf of the...adults with IDD make their own financial choices with help from trusted...from people they choose. In financial contexts, it means your adult...whether to save, and what financial goals to pursue. Their supporters...purchase fits the budget, or planning how to use an ABLE account....
Financial > Financial Planning
Long-Term Care Insurance and Disability: Planning for Future Care Costs
...is essential future planning. Financial advisors mention...essential future planning. Financial advisors mention it....advisors mention it. Estate planning attorneys bring it up....very conditions you're planning for. The benefit triggers...families start care planning. Here's what long-term...fit disability care planning, and what tools deserve...
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...
Financial > Financial Planning
Special Needs Planning for Divorced or Blended Families
When you're divorced or remarried and raising a child with disabilities, standard estate planning advice doesn't address the coordination problems you're facing. You can't just fund a trust and name a guardian. You need to structure beneficiary...
Financial > Financial Planning
Power of Attorney vs. Guardianship: Less Restrictive Alternatives for Age 18
Your child turns 18. Legal decision-making authority transfers to them automatically. If your child can't manage complex financial or medical decisions independently, you're left with a choice you may not have seen coming: how do you continue providing support without stripping...
Financial > Financial Planning
Assistive Technology Grants: Where the Money Is and How Families Actually Get It
A complete guide to funding sources for wheelchairs, AAC devices, and assistive technology from Medicaid to manufacturer programs.