A home purchase can be a lengthy and involved process even when things are going well. If you or a loved one have a physical or developmental disability, the process can be even more challenging. Fortunately, there are resources available…
Modern medicine and health care advancements enable children with a wide variety of special needs (disabilities) to live more productive lives than ever before. Many scientists regard the term special needs as a euphemism for disability. Yet, the difference between…
As a payroll tax-funded benefit program, Social Security Disability Insurance (SSDI) is administered by the Social Security Administration. You and certain family members can receive disability benefits if the SSA considers you “insured,” meaning you have worked and paid into…
It is a responsive, ongoing process for parents to plan for the future well-being of their adult children with disabilities. A Journal of the American Medical Association reports the life expectancy of adults with Down Syndrome has increased from 25…
In order to supplement their loved one's needs and quality of life while continuing to qualify for public assistance, many people with loved ones with disabilities create special needs trusts (SNTs) to save money tax-free. In 2014, the ABLE Act…
Enabling the Disabled Families can carefully manage their money to comply with disability-benefit rules while still providing additional perks for disabled people. And, though the rules can be strict, people with disabilities are still permitted autonomy to own some money…
US statistics show a ratio of 1 special education teacher to 17.1 students with learning disabilities. Yet, in the past decade, the percentage of available and competent teachers fell by 17 percent. Many federal and state government educational programs address…
Grantors (the individuals who create and fund a trust) generally become trustees when they create a special needs trust (SNT) for a loved one with a disability. However, it is crucial to choose a successor trustee who will continue properly…
Although society has adapted to meet the needs of those with disabilities, living with a disability has its own unique challenges and adversities. One challenge major challenge is financial strain. There are significant additional costs associated with disabled living. However,…
When you have a special needs child in your family, you may want to consider purchasing life insurance to address the possibility of outliving your child. Alternatively, parents may use a life insurance policy in a trust as part of their…