Providing for a Loved One with Special Needs

Nearly 54 million Americans cope with special needs and the rising associated expenses, according to the National Organization on Disability.  And according to the Caregiver Action Network, in the U.S., 14 percent of caregivers care for a special needs child; 16.8 million are caring for special needs children under 18 years old and 55 percent of these caregivers are caring for their own children.

If you have a child with special needs or you care for a family member with special needs, then you know how much time and money it takes to provide them with everything they need.  Simply planning their day-to-day requires some effort, but don’t forget about their long-term planning needs as well.

You hope to be around as long as possible to provide for them, but what happens if you die prematurely?  What happens when you’re no longer there?  Financial stability can be provided through a Special Needs Trust, which can be funded by life insurance.

The Benefits of a Special Needs Trust

A special needs trust has many functions, but two really stand out:

  • A special needs trust can preserve the beneficiary’s eligibility for government benefits such as Social Security, Medicaid, and housing, among other programs.
  • A special needs trustee can manage the funds on behalf of your loved one.

Special needs trusts can be complicated so it is best to work with an attorney who has experience in special needs planning.  A professional can ensure the trust is appropriately written.  If prepared properly, a special needs trust can accomplish a variety of goals, such as:

  • It can allow you to leave property and resources for the benefit of a family member with a disability without losing important public assistance.
  • It can prevent siblings from being over-burdened with caring for a sibling with disabilities.
  • It can help the grantor to equitably distribute the estate.
  • When properly funded and managed, it can help ensure there is enough money to sustain an individual with a disability over time.

A special needs trust can help provide for many aspects of life.  To protect the beneficiary’s government benefits; however, the trust should not be set up to provide directly for basic shelter, food, or payment of cash to the special needs family member.

What it can help pay for includes, but is not limited to:

  • Personal attendant
  • Medical goods
  • Dental care
  • Surgery or medical procedures (not covered by government benefits)
  • Private rehabilitation
  • Psychological support
  • Home modifications
  • Stamps and writing supplies
  • Drug and alcohol treatment
  • Recreational and cultural experiences
  • Additional therapies and activities
  • Enrich quality of life
  • Computers and smartphones

The Trustee of a Special Needs Trust

When preparing a special needs trust, you need to name someone who will be in charge of managing the assets in the trust.  This person is called a Trustee.  The trustee needs to be chosen carefully since this person will have sole discretion in making distributions for the benefit of the special needs individual.

An ideal trustee would have the following qualities:

  • Similar values to yours
  • Financially savvy
  • A strong advocate for your beneficiary
  • Organized

The trustee has a lot of responsibility, so it’s important to note that it does not have to fall on one person.  The trustee can be a combination of an individual and a corporate trustee.

Funding a Special Needs Trust

Sure, a special needs trust sounds great, but where is this money going to come from?  Nursing services, transportation, therapy, service animals, etc… all of these things cost money.

Well, you (and any family members or friends who wish to do so) can fund the trust with personal assets, such as savings or Certificate of Deposits (CDs).  You (and others) can also name the trust the beneficiary of a will.  One of the best ways to fund a special needs trusts though is with life insurance.

The benefits of using life insurance to fund a trust:

  • Cost effective – provides a large sum of money for comparatively low premium payments
  • Typically protected from creditors
  • Death benefit is income and estate tax-free if properly structured
  • Can easily distribute proceeds between care for your special needs loved one and any other children or family members you wish to financially protect
  • Brings peace of mind that your loved one will be cared for even after your death

Your Next Step

No one knows what the future will bring.  If you haven’t planned for the future needs of your loved ones, no time is better than the present.  If you already have life insurance but haven’t set up a special needs trust, it’s not too late.  You have the option to update your life insurance beneficiaries to include the trust.

Remember, if possible, have an estate planning attorney who is well versed in the world of special needs documents help you.  If you do not yet have life insurance, you can get a term life insurance quote free and instantly. Contact us if you have any questions, our friendly agents will be more than happy to guide you.

What to Feed Your Brain

Your brain needs food, and not just the intellectual kind like brain games to keep you sharp. Your brain functions best when it gets the proper nutrition, just like the rest of your body does.

A growing body of research and organizations like the Academy of Nutrition and Dietetics and the Alzheimer’s Association support the notion that a diet rich in antioxidants and omega-3 fatty acids may help protect the brain.

So what foods should you eat? Read on to find out.

Top 10 Antioxidant-Rich Fruits and Veggies

“Eat more fruits and vegetables” is a common refrain. And if you’re going to make the effort, you might as well choose those that may help keep your brain healthy.

Researchers at Tufts University measured the antioxidant power of various fruits and vegetables. The top 10 in each category are:


Fruits Vegetables









Red grapes





Brussels sprouts

Alfalfa sprouts

Broccoli flowerets


Red bell peppers





Before you run out and stock up on prunes and kale, remember that variety is important, too. In general, the darker-skinned fruits and vegetables pack the most antioxidant punch.

Try to fill at least half your plate with fruits and vegetables, as shown in the ChooseMyPlate picture below. You can learn more about this meal planning method at Use the link in the resource section at the end of this article.

It may help you get more fruits and vegetables into your diet if you think of them as ingredients in savory dishes, salads and snacks. Toss Brussels sprouts with raisins and onions in a little olive oil and roast them, for example. Or combine dried cherries with raw almonds—another brain-healthy food—for an easy snack. Get creative with ways to mix and match the foods you like.

Foods Rich in Omega-3 Fatty Acids

Fish is the main source of beneficial omega-3 fatty acids. Good choices include:

  • Salmon
  • Halibut
  • Tuna
  • Mackerel
  • Trout
  • Sardines
  • Herring

Try to have fish at least a couple of times each week to get a healthy dose of omega-3s. Grilling, baking or broiling is recommended over frying, which can add unhealthy fat.

Fish generally cooks quickly. Watch to make sure it’s not overdone, which can make it dry and less flavorful. Overcooked fish may tempt you to pour on the butter or other fat-laden sauces to make it more appetizing. Fish cooked properly needs little more than a splash of fresh lemon or a favorite herb to enhance the taste.

It’s best to get your nutrition from food, but fish may not be on your list of favorites. You can get omega-3 fatty acids from supplements, such as fish oil, which may offer some benefit. Discuss supplements with your doctor or a registered dietitian before you start taking them.

Medical Nutrition Therapy

Medical nutrition therapy is provided by a registered dietitian or nutrition professional to help you create an eating plan that meets your health needs. Medicare Part B (medical insurance) may cover the service, which can include a nutritional assessment and one-on-one counseling.

Your doctor or other health care provider must refer you for medical nutrition therapy. You are also eligible if you:

  • Have diabetes
  • Have kidney disease

Have had a kidney transplant in the last 36 month