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July 12, 2017
Ways to Provide for Your Disabled Adult Child's Future
Note: This material contains only general descriptions and is not a solicitation to sell any insurance product or security, nor is it intended as any financial, tax or legal advice. Guarantees are based on the claims paying ability of the issuing company. If you need more information or would like personal advice you should consult an insurance professional. You may also visit your state’s insurance department for more information.
February 4, 2008
House May Take Up Proposal for Disabled Savings vehicle would establish tax-exempt accounts, by Sue Asci
November 1999
Sheltering Loved Ones by Kimberly Lankford
October 1996
A Plan for Parents of Disabled Children by Barbara Whitaker, Cynthia Haddad and others explore the process and the options for Exceptional Parents.
June 23, 2006
Securing the Future for a Disabled Child by Sandra Block, USA Today, June 23, 2006. John Nadworny contributed to this report.
December 2008
The Parent Care Solution: How Planners Can Help Clients with Aging Parents by Jim Grote, Journal of Financial Planning,
January 2001
Special Needs Trusts - Misunderstood, Underutilized by Dorothy Hinchcliff
November 1998
A Financial Plan for a Special Family by Priscilla Brandon. An interview about special needs financial planning with Cynthia R. Haddad.
Recommended Books
The Special Needs Trust Administration Manual, A Guide for Trustees - by Barbara D. Jackins, Esq., Richard S. Blank, Esq., Peter M. Macy, Esq., Harriet H. Onello, Esq., and Ken W. Shulman, Esq. Published by People with Disabilities Press at iUniverse (2004): $15.95. Available fromDisabilitiesbooks.com
The Special Needs Trust Administration Manual: A Guide for Trustees is a valuable reference guide for anyone who is managing a special needs trust for a person with disabilities. Written by five Massachusetts attorneys, the book will appeal to both professional trustees and lay persons. It is concise, easy to use, and packed with helpful information.
A central theme that runs throughout the book is the beneficiary's eligibility for public benefits such as SSI, SSDI, Medicaid, and Section 8 housing. What can the trustee safely pay for without risking those benefits? The authors give useful advice and provide many concrete examples.
This is a practical reference took. In easy to understand language, the authors answer common questions such as
- What are my responsibilities to the disabled beneficiary?
- Can I spend money for a car, trip, or gift?
- Can I buy a house or condominium, and if so, who should own the property?
- What expenses can I safely pay without risking SSI benefits?
- How do I open a bank account?
- Does the trust needs it own taxpayer identification number?
- What happens if I need to resign?
The book is logically organized into chapters that address topics such as public benefit programs, housing, recreation, transportation, and taxes. The authors also explain the trustee's bond, fees, record keeping, accounting requirements, and fiduciary investment responsibilities.
Since the authors are Massachusetts attorneys, the book explains how SSI and Medicaid regulations are applied in that state. However, readers in any state can benefit from the valuable information in this book.
Developing a Life Care Plan for Family Members with Disabilities
Published by Jewish Family & Children's Services
NEW EDITION
In order to assist families in this process, a group of professionals in the field of special needs planning have come together to offer families a place to start.
Special Needs Planning Guide for Families provides families with an overview of the issues they need to consider, an outline of how to proceed, as well as a comprehensive resource list.
Cynthia Haddad and John Nadworny contributed to this useful book.
To Order Call: 781-647-JFCS (5327)
or download a free copy here