01

Special Needs Planning

DEALING WITH THE FULL PICTURE BY CALEB HARTY What does “special needs planning” really mean? I often speak with people that believe that they’ve completed their special needs planning simply because they established a Special Needs Trust (SNT). Of course, SNTs are an  extremely important component of planning for a loved one with special needs. When set up correctly, an SNT allows an individual to remain eligible for public benefits, while the trust owns a […]

02a

HIPAA Privacy Rules Revealed

Just between you and me, what you don’t know could hurt you Imagine you have a nineteen-year-old daughter away at college about three hundred miles from your home. Her roommate calls to say there’s something terribly wrong. She tells you that your daughter is speaking incoherently and behaving unusually, and you hear it for yourself when your daughter is put on the phone. Knowing that there’s a serious medical problem, you suggest that the roommate […]

2

When Your Child Becomes an Adult: Practical Solutions to Potential Problems

When a child who has special needs becomes a legal adult (18 years old in most states), a parent is no longer recognized as a person who can make decisions for that child. If your child is two to three years or less from this significant birthday, this is the time to evaluate your situation. What changes? What’s at risk? “Depending on your child’s level of self-care and decision-making abilities, leaving your child to make […]

1-sns

Recent Military Retirement Benefits Law Reform is a Much Anticipated and Welcomed Change

The Disabled Military Child Protection Act, signed into law by President Obama in December, 2014, changed the law affecting retirement benefits for military personnel – and opened the door to improving the financial futures for military dependents with special needs. No longer an either/or choice Before this legislative change, a military parent, through his or her military retirement plan, could provide survivor benefits for a child with special needs. It could supplement the child’s income, […]