Help for parents who have children with disabilities

Parents of children with special needs are no strangers to years of expensive care for their children. As a result, a growing number of financial-services companies, lawyers and financial planners are referring to themselves as “special-needs planners”, and help parents provide for children with disabilities, particularly in the event that parents are no longer alive to do so. These professionals provide guidance for families through the complex maze of federal and state programs for disabled individuals, and help establish trusts, insurance policies, retirement plans and estate-planning documents.  The financial crisis has added urgency to families’ concerns insofar as how their…

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