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Retirement accounts like 401(k)s and IRAs make up the majority of most people's savings. While these plans encourage saving by offering significant tax rewards, they were certainly not set up to help families with special needs.
In order to qualify for Social Security Disability Insurance benefits, a worker has to not only meet stringent medical requirements, but he must also have worked for a certain amount of time prior to becoming "disabled."
Among the many challenges facing parents of children with special needs is planning for the time when the parents will no longer be around to act as the primary caregivers. Advance planning by parents can make all the difference in the life of the child with special needs, as well as for siblings who may be left with caretaking responsibilities.
This site explains general legal strategies for protecting children with special needs and links families with members of the Academy of Special Needs Planners, qualified attorneys who can address their legal concerns and help them put effective plans in place.
Heartfelt stories from those who live with the challenges and joy of people with special needs.
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