Special Needs Planning
Our mission is to help families plan for the future of dependents with special needs, including preserving government benefits and providing insurance and other financial solutions that can help provide not only lifetime quality care, but also quality of life. 
- One out of 9 children under the age of 18 in the US today receive special education services.
- Out of 72.3 million families included in the 2000 Census, about 2 in every 7 reported having at least one member with a disability.
- 20.9 million families have members with a disability.
- Of the 20.9 million families reporting at least one member with a disability, 5.5 percent have both adults and children with a disability.
- One in every 26 American families reported raising children with a disability.
- One in every three families with a female householder with no husband present reported members with a disability.
- An estimated 2.8 million families were raising at least one child aged 5 to 17 with a disability.*
Take this quiz to see how well you have planned for the future of your loved one:
Special Needs Planning Quiz Issues related to the care of a person with special needs can seem overwhelming. For this reason, it's important to take time with experts today so that you can provide for your dependent's care tomorrow. It's important that experts have an in-depth knowledge of various topics including:
- Federal laws that pertain to government benefit eligibility.
- Legal documents such as special needs trusts and guardianships.
- Financial considerations and how to provide for lifetime care.
- Medical insurance authorizations for specialized services and products such as physical therapy and medical equipment.
- Special education laws that might require you to become an active advocate and participant in your child's education plan.
When responsible for the care of a person with special needs, procrastination is the most critical mistake you can make. Planning is not an easy task, but if you do not plan appropriately and effectively for your child or dependent with special needs, you could be leaving it up to the state to determine what will happen to your loved one. And all too often the outcome is not what you would have planned or anticipated! Our Special Needs Planners are available to help you work through the maze of legal and financial complexities. And when working with a qualified attorney, critical issues can be addressed such as:
- Government benefit eligibility requirements for Supplemental Security Income and Medicaid.
- Types of special needs trusts and which may be right for you.
- Guardianship, conservatorship and client self-determination and empowerment issues.
- Appropriate funding vehicles to help guarantee your dependent's future quality of life.
Our planning process begins with a complete review of your dependent's current needs, plans for future care, government benefits, and the family's current financial and legal documents. Learn how special needs planning can help your family prepare for whatever the future holds! In communities all across the nation, our Special Needs Planners are helping families like yours achieve financial security. Our representatives are trained professionals who can work with you to find the products and services that meet your individual needs. You're taking the first step toward planning your dependent’s financial future by meeting with a local Special Needs Planner today. To learn more, please call Michael Palczuk in Raleigh at 919-334-7821 or Jason Austell in Charlotte at 704-714-3160 or you can click Contact Us for requesting additional information. * Source: “Disability and American Families: 2000” , US Census Bureau, July 2005 Report.
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