Families with special needs include parents, or other family members (either children or adults) with special needs, and individuals with special needs. These families face unique planning challenges and serious consequences if planning is inadequate or improper. If you, or someone you know, fits in this category, it is critical for you to remain proactive in your planning.
It is also vitally important to stay up to date with the constantly evolving options and rule changes that can impact special needs planning. As a society, we have come a long way from the old ways of planning for families with special needs, but this area will continue to be a unique challenge as governments reduce funding in areas that provide support to special needs families.
Unfortunately, all of these realities place an additional burden on these overloaded families. Because of this, you must have an effective plan in place if you have a loved one with special needs. Your loved one truly cannot afford to be without a plan.