Many individuals and families who live with special needs are eagerly anticipating the availability of ABLE accounts. What is an ABLE account? Is it something you’ll want? Or need? Are you even eligible to have one? “It’s been a long wait,” says Chris Collier1, CLU, ChSNC, who is a Special Care Planner and has earned the Chartered Special Needs Consultant designation.2 He’s with the Innova Financial Group3 in Cincinnati, Ohio, a general agency of Massachusetts […]
Estates vary regarding valuation and complexity. In its simplest definition, if you own assets, you have an estate. If you also have debts and/or a will, you may need someone to settle your estate when you die. “Most individuals understand the importance of creating a financial strategy or a life care plan1 for their family, especially when a family member has special needs” says Connor W. Kavanaugh, who is a Special Care Planner2 with MassMutual-Oregon3 […]
Today’s Supreme Court decision confirms that the Affordable Care Act’s tax credits are available to all eligible Americans no matter where they live. Americans in all 50 states and the District of Columbia can continue to rely on the security and peace of mind that come with affordable, quality health care coverage. Over six million Americans and their families will sleep easier knowing they will still be able to afford health coverage. Millions more won’t […]
A family member’s death and the grief we feel is difficult to endure, especially if the death is sudden and shocking. But sometimes we know in advance a person’s life will soon end. “Expecting a death doesn’t minimize grief,” says Leizer Gewirtzman1, CPA, ChSNC, who is a Special Care Planner2 with Lee, Nolan and Koroghlian, LLC3 in Saddle Brook, New Jersey, a general agency of Massachusetts Mutual Life Insurance Company (MassMutual). “However, it allows time […]
If you have a child with special needs who’s nearing adulthood, you may hear that you should take precautions to protect eligibility for government benefits. But what if you don’t want or need those benefits for your child? “Even if you believe you have plenty of money to care for your child,” says Lea Bancroft, MSFS, CLU, ChFC, ChSNC, a Special Care Planner1 associated with MassMutual Rochester2 in Rochester, New York, a general agency of […]
