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, […]