Question 1

Where can I get help with Special Needs Planning?

Accepted Answer

Work with a credentialed professional, such as a Chartered Special Needs Consultant (ChSNC®), to coordinate private financial strategies, trust structures, and government benefits like SSI and Medicaid.

Question 2

Do you work with families who have a child or adult with special needs?

Accepted Answer

Yes. I help families navigate the emotional and financial complexities of long-term care, benefit coordination, and household protection to support your loved one safely.

Question 3

Can I set up a Special Needs Trust without a lawyer?

Accepted Answer

It is highly discouraged. DIY trusts carry significant legal and financial risks and are often rejected by professional trustees. It is more efficient to prepare your goals upfront and review them in a single, focused session with a qualified special needs attorney.

Question 4

What Social Security benefits are available to children with special needs?

Accepted Answer

Adult children (age 18+) may qualify for SSI regardless of parental income. Additionally, those with a disability onset before age 22 may be eligible for SSDI benefits based on a parent's earnings record.

Question 5

What are the alternatives to expensive Long-Term Care insurance?

Accepted Answer

Short-Term Care (STC) insurance provides a more affordable middle ground, often covering up to one year of care with simpler underwriting and immediate benefits.

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