For all parents, worrying about a child's future is just part of being a parent. For parents of children with special needs, that worry is magnified. A disability can affect the child's ability to become independent and financially secure as an adult.  Parents of a developmentally disabled child often worry what will happen to their children after they are gone. Planning for their child's care, whether adults or minors, means making decisions that must last for the life of the child.  That is why planning for your special needs child's future is so important.

The cost of raising a special needs child can be overwhelming. Your child needs to be able to take advantage of the government programs and financial planning strategies that are available without fear that those benefits will be reduced or eliminated when you pass away. With proper planning, your legacy can be set aside to supplement government benefits, rather than disqualifying your special needs child from receiving those benefits. 

If you have a child or other loved one, who has a physical or mental disability, or a chronic or acquired illness, a special needs trust may be a critical piece of your estate plan. A special needs trust can protect your loved one's inheritance and allow your loved one to receive Supplemental Security Income (SSI), Medicaid or other government benefits. The assets in the trust are used to provide supplemental care not provided by the government. In addition, the assets can be used to pay for items or services that will improve your loved one's quality of life such as vacations and entertainment.

There is no greater disability in society, than the inability to see a person as more.
— Robert M. Hensel