5 Reasons to Consider a Special Needs Trust

BY Dawn Doebler, MBA, CPA, CFP®, CDFA®, Senior Wealth Advisor Here are 5 common reasons for establishing a special needs trust that applies to your family member with a disability. In my last article, I outlined the benefits of ABLE accounts. For many families, ABLE accounts sufficiently meet their desire to provide assets for special needs family members. In higher net worth families, ABLE accounts are the first step in structuring a long-term financial plan […]

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 […]

Overview of Understanding Guardianship for Adults with Special Needs

Guardianship is a valuable tool which can be used to protect individuals who no longer possess the ability to make appropriate personal or financial decisions for themselves.  The guardian assumes the duty of caring for the person with disabilities and/or their assets, and the court maintains oversight to reduce the risk of exploitation or abuse by the guardian. Below you will find answers to some of the most frequently asked questions concerning guardianship. It is […]

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, […]

Mobility Devices for Young Children

What are Kiddie Canes, Pre-Canes, and Alternative Mobility Devices? The long cane used by some people with visual impairments has a white shaft, a black handle, and is red near the bottom. The long cane provides a traveler with information about the ground in front of him as he moves. There are several alternative types of mobility devices that children with visual impairments who are very young or who have additional disabilities can utilize. These […]

Small molecule targets cause of adult onset muscular dystrophy

—by Tianna Hicklin, Ph.D. At a Glance Researchers developed a small molecule that, in mice, blocks the mutated RNA responsible for adult onset muscular dystrophy. The findings suggest a new avenue to develop therapeutics for this condition. Muscular dystrophy includes over 30 inheritable diseases. These are characterized by progressive weakness and degeneration of the muscles. Some types of muscular dystrophy appear in childhood, while others may not appear until adulthood. Myotonic dystrophy is the most […]

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 […]

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. […]

Westfield gym for kids with special needs gets new owners

WESTFIELD, Ind. (WTHR) — A gym for children with special needs is celebrating a new chapter after nearly closing. Carter’s Play Place in Westfield now has new owners. It opened nearly three years ago as an inclusive gym designed especially for kids with special needs. Indianapolis-based LEL Home Services has now purchased the operation. “This opportunity for Carter’s Play Place is a little different than the services we typically provide, so we’re very excited to […]

Tips for Working with Special Needs Students Who Are College-Bound

Whether an individual’s special needs are physical, mental or psychological, they can run into many challenges when it comes to finding the right college. Depending on their disability, finding a college with the appropriate accommodations can be an overwhelming experience. It is possible for a student with special needs to feel stressed about certain things that other students may have an easier time achieving; like making it to class on time, navigating the hallways or […]