How ABLE Accounts Support Special-Needs Children and Their Families

BY Dawn Doebler, MBA, CPA, CFP®, CDFA®, Senior Wealth Advisor ABLE accounts are an important planning tool alongside more-traditional techniques such as special-needs trusts. One financial challenge that many families with special-needs children confront is funding the ever-growing expenses that their child may need over their lifetime. With additional costs of important medical and support care often reaching over $100,000 per year for a special-needs child, many families look to special government programs to fill […]

Learning to Help Your Child and Your Family With Mental Health

Having a child with a mental health condition can be a challenge, but there are ways to help make things easier. Each year, 1 in 5 kids aged 13-18 experiences a mental health condition. This means many parents have faced similar challenges and experiences as you. Be Attentive Begin by taking notice of your children’s moods, behaviors and emotions. Early intervention, especially with signs of psychosis, is critical because mental health conditions often get worse […]

Disability Etiquette

Introduction The United States Census Bureau reports that approximately 56.7 million Americans have a disability. This report is for anyone—with or without a disability—who wants to interact more effectively with people with disabilities. The Americans with Disabilities Act of 1990 was conceived with the goal of integrating people with disabilities into all aspects of life, particularly the workplace and the marketplace. Sensitivity toward people with disabilities is not only in the spirit of the ADA, […]

Higher Education Policy Changes Take Center Stage

Students With Disabilities May Be Collateral Damage in College Admissions Scandal Earlier this month, Americans were made aware of a number of wealthy families allegedly abusing the college admissions process by faking disabilities, cheating on admissions tests, and bribing college officials. The alleged scheme is incredibly discouraging and does a serious disservice to students who have real disabilities and rely on accommodations in school. Many disabilities rights advocates, including some who advocated on behalf of […]

A Tale of Two Schools: Inclusive Culture Created With Purpose

It can be difficult to educate students with disabilities in an innovative and effective way. But NCLD recently visited two very different schools that were doing just that. These schools serve two very different populations, in two different parts of the country. We found an important commonality, though: an inclusive culture that was created with purpose. NCLD has been working to identify promising 21st-century learning practices in schools. We’re focused on how these practices serve […]

ABLE Accounts and Special Needs Trusts Can Be a Winning Combination

This article was written by The Special Needs Alliance (SNA). The Special Needs Alliance is a national organization comprised of attorneys committed to helping individuals with disabilities, their families and the professionals who serve them. Learn more about the SNA: www.specialneedsalliance.org.  ABLE accounts and special needs trusts (SNTs) are both financial tools for managing funds without affecting an individual’s eligibility for such means-tested programs as Medicaid and Supplemental Security Income (SSI). But that’s pretty much […]

ABLE Accounts 2019: Top Questions

What are the ABLE savings limits for 2019? ABLE accounts are protected savings opportunities for people who have a significant disability with an onset prior to age 26. For 2019, friends and family can contribute up to $15,000 directly into an ABLE account. ABLE account owners who work, and do not have an employer- sponsored retirement account, may save up to $12,140 in additional savings from their earnings. Can I save income within ABLE to […]

Spread The Word INCLUSION

‌Save the Date! For our New 2019 Campaign Over the past several years, you have stepped up and helped us Spread the Word to End the R-Word, which started the conversation on respect. Now, to continue this important conversation, the Golisano Foundation, Special Olympics and Best Buddies are building on these efforts in a new campaign called, Spread the Word Inclusion, to stop all types of discrimination against people with intellectual disabilities. This year’s day […]

Overview of Professionals in the School-Age Special Education System

Throughout your child’s academic career, he or she will come into contact with dozens of different professionals who are there for support. The list below provides an overview of some of these individuals and a description of the role they may have. Be aware that your child’s Individualized Education Program (IEP) will control who works directly with your child and what they do. Regular Education Teachers Depending on your child’s educational placement, your child may […]

Inclusion vs. Self-Contained Education for Children with ASD Diagnoses

The idea is not new. Including children with special needs in classrooms to learn alongside typical learners promotes the sense of a welcoming environment for all, where differences are valued and learning opportunities are accessible to all, in every classroom. Depending on where you live, the concept may be referred to as “mainstreaming,” “integration,” as well as “inclusion.” Long before the Individuals with Disabilities Education Act (IDEA), children with disabilities did not attend public school. […]