A child with a disability often needs more support.

The cost of supporting children who have a disability can be considerable,

and put a lot of strain on the family and potentially on the child when they grow up, if their need for additional support is lifelong.

While the phrase "special needs" has no legal meaning, the word "disability" does. "Disabled" is a straightforward word with a clear-cut meaning, which is why many people prefer it to the phrase "special needs." As the Americans with Disabilities Act tells us, "An individual with a disability is defined by the ADA as a person who has a physical or mental impairment that substantially limits one or more major life activities, a person who has a history or record of such an impairment, or a person who is perceived by others as having such an impairment."

We work with families, whether it is your child or a sibling who needs additional care, to understand their best options for funding the life-long care needed to support their family. Since everyone's needs are different and every family is likewise unique, our approach starts with listening and discussion until we fully understand your needs. We then draw on our considerable resources to identify what we believe are the best ways for you to protect and provide future funding for your loved ones.

If you need disability funding advice...