any child is a loving exercise in planning for the future.
Parents hope to maximize their children’s potential for success and
happiness. They provide their children with strength
through love and
support. They provide them with knowledge through education and
exposure to differing experiences. They plan for their children
safely and successfully leave home and enter upon a fulfilling
When you’re the parent of a special needs child, planning for the future takes on a more urgent and complicated meaning. Like all parents, you seek to maximize your child’s potential for self-reliance, independence and the ability to enjoy life. Unlike other parents, you anticipate that your child may be dependent upon you for his or her home, standard of living, and social structure as an adult. Your concern for the future projects well beyond the age of adulthood. The question in the forefront of every special needs child’s parent's mind is: what will happen to my child when I am gone?
This is not merely a financial question. It is a concern for the future to be a time of security and happiness for your child.
Special needs planning is more than just estate planning. For parents of children with exceptionalities, special needs planning is a tool by which they may, to the extent possible, fashion an answer to that concern.
Parents of special needs children provide more than just financial support; they are their child’s main advocates; they frequently provide their child’s home and lifestyle during adulthood and they are the ones who know their child well, his unique likes and dislikes, and have learned through experience what approaches work with their child and which do not.
The Comprehensive Special Needs Plan
Some of the considerations necessary to a comprehensive special needs plan are not immediately obvious:
1. The human resources available through immediate and extended family, friends, and advisors (e.g. accountants, attorneys, ministers, therapists, doctors). It is important to have an honest and complete understanding of what can be expected from these individuals.
2. The values of the family A plan should consider the wishes of the family, and should endeavor to preserve what is important to its members.
3. Disability support network. Parents, as primary caregivers, companions, and advocates for their child have developed a network support system through which they accomplish the daily tasks of living for and with their child . Governmental agencies, advocacy groups and other extended resources must be explored and systems put in place for providing such things as social interactions, respite, vocational services, and referrals.
4. The individual personality of the child Frequently the parents are the main repository of information concerning their child’s likes and dislikes, his needs and concerns. They also know in what manner they wish their child needs to be met and how they prefer him to be treated. Special needs planning must provide a mechanism for this information to be passed on to caregivers who follow.
5. Funding needs and resources. It is important to calculate the actual costs the plan is intended to cover. While this cannot be exact, it can provide a guidepost for funding. There are many funding options for special needs planning, all of which depend upon the resources and choices of the family involved.
Legal Tools for Special Needs Planning.
The basic tools of special needs planning are wills, special needs trusts, powers of attorneys, guardianships, and letters of intent. Not all of these are applicable in all situations. Your attorney will guide you and assist in the choice of the appropriate instruments for your plan. Two tools unique to special needs planning are:
1. Special Needs Trusts. Special needs trusts (SNT’s) are what most people think of when they consider special needs planning. They are trusts which are established following strict government guidelines which protect the individual’s entitlement to government benefits. Families of special needs children are aware that governmental benefits offer substantial, frequently irreplaceable benefits (i.e.. Medical coverage through Medicaid). However, the actual cash benefits are quite small and force the individual to live below poverty level. Special needs trusts, also called “supplemental trusts” are a mechanism which allows you, the parents, to contribute supplementary benefits to your child.
2. Letters of Intent. A letter of intent is a document written by you, the parent, describing your child’s history, his current status and what you hope for the future. You may write this letter today and update it year by year. While it is not a legal document, the court ( and your appointed trustees or guardians) can turn to the letter for guidance. Your special needs planner may provide you with a worksheet to use in formulating your letter. This is something best started right away.
Peace of Mind.
Special needs planning is more than just estate planning. For parents of children with exceptionalities, special needs planning answers the question “who will take care of our child when we are gone?” It is therefore meant to provide both a care plan and a financial plan, to address the issue of siblings and forestall any conflicts, and to provide peace of mind. It allows you to know you have done the very best you can to prepare for the future of your special needs child.
||To contact Ilene Young by email or request
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Young, Esquire 50 East Court Street Doylestown, PA
18901 (215) 348-5448