Planning for the future of a special needs child takes special preparation. Two necessary documents that should be put in place are a Supplemental Needs Trust (Special Needs Trust) and a life insurance policy to fund the trust.

When a disabled/special needs individual is a member of the family, a life insurance policy can help to preserve the future financial security for that individual. A life insurance policy owned by a Supplemental Needs Trust is an option that can ensure future funds for the benefit of the special needs individual without risking their government benefits. The specifics of the life insurance product and amount of the policy is determined by the current and future financial needs of all family members, including the needs of the special needs dependent.

"Goldwasser-Appel does not perform legal work to establish any legal documents or trusts.
Please consult a qualified attorney specializing in Special Needs to get this part of your
planning completed."