What happens to my child when I'm gone? It is a question that keeps millions of parents up at night. For families of children with special needs, that question carries an immense weight, complicated by a maze of government benefits, legal structures, and financial rules that most people were never taught to navigate.
The fear of making the wrong move is real, and it is not unfounded. In special needs planning, small and well-intentioned mistakes can have serious financial consequences, including the loss of SSI or Medicaid benefits a child depends on. A gift left the wrong way, an inheritance titled incorrectly, or a beneficiary form never updated can quietly unravel a family's best efforts.
Planning for Two Lifetimes was written for parents who are asking these questions and do not know where to start.
