特殊需要财务规划

Having a solid financial strategy can provide needed peace of mind when it comes to caring for an adult or child with special needs. 而 它将花费大约23.3万美元 抚养:把一个孩子从出生抚养到18岁, the 生活time cost of raising an individual with an intellectual disability can average $1.400万到2美元.400万年, depending on the complexity of their needs 和 how long they require guardianship. Fortunately, creating a special needs financial plan is not something you have to do on your own.

One of the best moves you can make is to assemble a 专业团队 who can help you make the right legal 和 financial decisions for your situation. Start by determining your needs 和 identifying the resources that can fulfill those needs.

有特殊需要的儿童

If your child is diagnosed with a neurological, 发育或身体残疾, contact your local school district's special education department. The teachers 和 counselors t在这里 will play a major role as your child develops appropriate 生活 skills. Social service agencies may be able to provide additional support outside of school, such as appropriate recreational opportunities.

It's also a good idea to establish a legal guardian for your child as early as possible. 而 you will name this individual in your will, it's critical that you discuss this responsibility with them first, as they could be responsible for overseeing all aspects of your child's care.

金融 planning for special needs adults

For special needs individuals who qualify, government agency programs such as Supplemental 安全 Income (SSI), Social 安全 Disability Income (SSDI) 和 Medicaid can provide basic food, 住房和保健. When it comes to supplemental needs like education, transportation, entertainment 和 travel, a 特殊需要信托 能成为有用的工具吗. You'll need an experienced attorney to set one up, 但一旦实施并获得资金, 它可以立即使用.

To ensure a family member with special needs continues to receive the care they need even after you can no longer care for them, 考虑包括 生活 和 残障pp王者电子官网 在你的计划中. 作为一名金融服务专业人士，a 状态 Farm®代理 能帮你识别一下吗 产品 to help you reach your financial objectives.