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Parents of special needs children have enough on their plates just tending to the health, educational and emotional needs of their kids — not to mention often having to cope with drastically lowered income because of reduced work hours or having to pay someone else for childcare.
So it’s not surprising that many of these parents haven’t had time to hatch a long-term financial plan in case their kids need care after they’re not around.
Fortunately, many government programs and community resources are available to help relieve the financial burden of parenting special needs children.
But eligibility criteria are complicated and the application process time-consuming. Plus, if you’re not careful, you or well-meaning relatives could inadvertently disqualify your kids for future benefits by not structuring their inheritances correctly.
Here’s a brief overview of key government assistance programs
The Social Security Administration provides two types of disability coverage: Supplemental Security Income (SSI) and Social Security Disability Income (SSDI). Rules and eligibility requirements differ between the two programs — and benefits differ for children and adults.
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