02
Jan

0

Advocacy In a Nutshell

What happens when you are no longer around to care for your disabled child?  As you get older, this question becomes increasing relevant and, for many parents, a serious problem. If you are elderly and your child has been living at home, the question as to who will care for your child can become extremely […]

07
Jun

0

APPLYING FOR SSI/MEDICAID FOR MY SPECIAL NEEDS CHILD

Approximately 66% of disability claims are being denied at the initial claims level.  Considering the importance of Supplemental Security Income (SSI) and Medicaid to a special needs child and the new pilot program governing the appeals process in New York, some parents may want to consider enlisting a Disability Specialist to help in the process. […]

01
Mar

0

HOPE

“Of all the forces that make for a better world, none is so indispensable, none so powerful, as hope.  Without hope people are only half alive.  With hope they dream and think and work.” –Charles Sawyer Does special needs planning diminish hope?  Does it create artificial boundaries or set a ceiling on what your special […]

09
Feb

0

WHAT IS SECOND-TO-DIE INSURANCE?

  Second-to-Die Life insurance, sometimes known as Survivorship insurance, is a type of permanent life insurance which is frequently used to fund a special needs trust (SNT). Characteristics of Second-to-Die insurance: It is permanent life insurance. It can be either Whole Life or Universal Life (UL). The most common type is UL.  All the big […]

03
Feb

0

WHY USE LIFE INSURANCE TO SECURE YOUR CHILD’S FUTURE?

  How can you be guaranteed to make a small fortune?  Answer:  Start with a large fortune and then invest poorly.  Fortunately, life insurance does the opposite.  You can take a relatively small amount of money and convert it into a larger pool of money–guaranteed.  The caveat is that you have to die first.  Eventually, […]

06
Oct

0

YOU ARE YOUR CHILD’S GREATEST ASSET!

In a different age and under vastly different circumstances, the late Chinese leader Deng Xiaoping once talked about crossing a raging river by “feeling the stones underfoot.” All of us— agencies serving the developmentally disabled, parents of children with special needs, and even the politicians—are in that river now, trying to feel the stones in […]

28
Sep

0

QUESTIONS FOR PARENTS OF A SPECIAL NEEDS CHILD

Below are a few questions you may want to ask yourself if you are the parent of a special needs child. Do you have a will? Do you have a Special Needs Trust? If so, have you arranged to properly fund the Trust? Are you aware of the different tax rules which apply toward the […]

21
Sep

0

12 TIPS FOR COMPLETING A 17-A GUARDIANSHIP PETITION

I have completed many 17-A guardianship petitions for clients over the past 6 years.  Some parents, however, choose to complete the petition themselves.  For those of you who wish to take this path, I have compiled a list of 12 helpful tips that I have learned through the completion of over one hundred guardianships.  The […]

11
May

0

CAN YOU AFFORD TO RETIRE TODAY?

Disability can be a real life changer.  I should know.  I’ve experienced it personally. I was 32 years old, single, had been the top producer for my company in a sales force of nearly a hundred.  I had just purchased my first home, was maxing out my retirement contributions and still saving an additional 10% […]

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