建立一个特殊需要的遗产计划
Planning for the care of your loved ones if you're not there is important. It's critical when you are responsible for an individual with special needs.
The first step is to get an attorney experienced in special needs planning. Their knowledge and guidance are invaluable in what can and can't be done. An attorney can help you set up the proper documents for when you're no longer able to provide care to your loved one.
写遗嘱
- 正确执行的 will 指定你死后谁将继承你的财产. Your will should also list how your property will be divided and allows you to name a guardian for your minor children with special needs.
- 有指定受益人的财产(人寿pp王者电子官网), 退休账户, jointly owned property) will pass directly to the beneficiary — and is not covered by a will.
- 制定遗嘱的规则因州而异, 但写一篇文章的某些要求是常见的. 例如, 一个人必须达到法定年龄, have testamentary capacity (sound mind and body) and it must be done voluntarily.
指定监护人
- 这些信息将列在父母的遗嘱中.
- It's imperative to have discussions with potential guardians prior to appointment. The guardian will have the responsibility of overseeing the care of the individual with a special needs plan.
- This relationship should be dealt with great care as they are the ones who will eventually be helping make life decisions for your loved one.
建立委托书
- The power of attorney allows the guardian to act on behalf of the special needs adult. This includes interacting with medical providers, and government and social services agencies.
- 虽然有几种不同的授权书, 一般授权书赋予最广泛的权力.
- A power of attorney can alleviate future conflict among family members.
建立一种特殊的信任
- Establishing a trust creates a separate entity designed solely for the benefit of the individual with a special needs plan.
- Individuals, family members, even strangers can place money or property in a 特殊需要信托. They can do this while living by gifting, or upon their death when the trust 受益人是谁.
指定受托人
- The trustee is responsible for the allocation of funds for the sole benefit of the special needs individual.
- 指定一名独立受托人(监护人除外), 为个人的利益提供制衡.
- 受托人可以是个人，也可以是信托机构. There are various organizations that offer trust services, typically for a fee. A benefit of having an independent trustee is that they can take the emotion out of making financial decisions.
Planning for education, social service agencies and government programs
Education
如果你的孩子被诊断患有神经系统疾病, 发育或身体残疾, your local school district's special education programs will play an important role in preparing them with appropriate life skills.
社会服务机构
These agencies can play a critical role in employment and social opportunities. 帮助个人找工作, supporting employment with job coaching and providing recreational opportunities for those with special needs makes them a vital resource.
政府机构(补充保障收入[SSI]), 社会保障残疾收入(SSDI)和医疗补助
Once qualified, these agencies can provide a safety net for those who qualify. SSI and SSDI provide for the basic food and shelter needs for the individual, 医疗补助提供医疗保健服务.
金融服务专业人士
Life insurance and disability income products are great options to help provide for your family should you die or become disabled. 作为一名金融服务专业人士，a 国营农场® agent can identify a host of products to help you reach your financial objectives.
Find out more about how insurance can help you reach and protect your goals.
These resources can help you figure out the right plan for your family's needs.
- 《pp王者电子官网》 www.thearc.org
- 〇复活节海豹 www.easterseals.com
- 联合性脑瘫 www.ucp.org
- 国家唐氏综合症协会 www.ndss.org
- 〇自闭症协会 www.自闭症协会.org
