Are You All Set for Your Child with Special Needs?

Posted by Patty Manko on Thu, Sep 26, 2013 @ 02:40 PM

SNFP are you all set  resized 600We have a planning process for our clients who have dependents with special needs. 

Use this checklist, Are You all Set?, pictured on the right, to see where you stand now. 

Recognizing that every family situation is unique, we have found through experience that a step-by-step approach works extremely well.

Step 1: We work together with you to help identify and prioritize your family's objectives and goals.

Step 2: We analyze your present financial situation with respect to these goals by reviewing family resources, legal documents, investments, insurances and other related matters.

We determine if you are taking advantage of any and all government resources, if you are eligible.

Step 3: We recommend steps that seek to maximize and protect both personal and public resources.

Step 4: We assist you in objectively and securely implementing your plan. When needed, we actively associate with numerous private and public agencies, professionals, and service providers as part of our planning process.

Step 5: We periodically review and revise your plan as required by changes in personal circumstances and external environments. 

Next Step

We believe that you have read this far for a reason and we hope the above and the other resources on this site are useful to you. Should you have any questions or input for us, or personal experiences you would consider sharing with us, we would like very much to hear from you. We are always working to expand the information we offer on this site and would welcome your input and suggestions.

We have been there both personally and professionally. We can help.

Tags: Special Needs Financial Planning, Special Needs Planning Timeline

Workshops and Events for Families with Special Needs

Posted by Patty Manko on Mon, Sep 16, 2013 @ 02:11 PM

Click on the box below to view the full size, printable version.

describe the image

 For Additional Information about a  Presentation for your Organization

 

 

 

 

 

 

 

Tags: Special Needs Financial Planning, Special Needs Planning Timeline, transition planning, special needs workshops, special needs presentations

Keeping the I in IEP

Posted by Patricia Manko on Tue, Sep 03, 2013 @ 11:56 AM

IEPWhen James moved from Early Intervention ( EI) services to the public school system, it felt like we had moved from a cruise ship to a dinghy.  We had so appreciated the services coming to our home and the family centered approach of EI.  Our opinions, schedules and plans for James mattered.

When he entered the school system, our experience was very different.  The IEP team immediately directed us to a segregated classroom for James.  We knew that he belonged with his typical peers.  We needed the teachers to support us in our vision for James.  What we always tried to do with James was to surround him with people who thought he had limitless potential.  If they looked at only his diagnosis, they would deny him of opportunities we thought he should have.  We had to work to create a team of "believers".

We continue to search out believers and people who can journey with us and imagine the possibilities.  James continues to surprise us and remind us that his potential is limitless.

-Susan, James's mother

When your child reaches age 3, the family's first experience with transition will occur. You will be introduced to the educational system, and your child will need to be determined eligible to receive services through an individualized education program, or IEP. Schools will be making assessments and recommendations with important implications for your child. The parent's role is critical in working to coordinate with educators and service providers to set measurable goals and objectives for their child. Thus begins your journey of educational advocacy and understanding your roles and rights in the process, as well as the various programs, services, and supports schools may offer your child.

Just as every child is unique, the way each parent approaches their planning is unique. Below are a few basic planning points that are unique in planning for your child from age 3 to age 15. (These steps are in addition to the comprehensive Planning Points outlined in our book, The Special Needs Planning Guide: How to Prepare for Every Stage of Your Child's Life, Brookes Publishing 2007.)

Planning Points

 ~ Learn as much as possible about your child's diagnosis.

 ~ Build and maintain relationships with physicians, schools, therapists, teachers, provider agencies, and your neighborhood community.

 ~ Register with your local police and fire departments, and let them know you have a child with special needs living in your home. Obtain and complete a child's identification kit, and include a current picture.

 ~ Get to know your state's laws on public education; make sure you have a clear understanding of your child's entitlements and your rights and responsibilities as the parent.

 ~ Check your local school and provider agencies for parent support groups, educational workshops, and/or parent advisory councils.

 ~ Make sure that your budget includes family vacations, evenings out, time away, and activities that you enjoy.

 ~ Review you current financial and estate plan at least every 3 to 5 years, as well as any time your situation changes.

Some resources that may be helpful at this stage:

fcsn.org Federation for Children with Special Needs

mfofc.org Massachusetts Families Organizing for Change: Leadership series

spanmass.org SPaN Special Needs Advocacy Network

We have been there both personally and professionally. We can help.

Tags: Special Needs Planning Timeline, transition planning

Special Needs Checklist for Your Child: Age 16-22

Posted by Patricia Manko on Wed, May 29, 2013 @ 04:12 PM

person centered plan resized 600

At age 16, your son or daughter is probably established in an appropriate school setting, and you have worked to help develop appropriate social connections. Now is the time to think ahead to the day your young adult turns 22, when the bus no longer arrives to take him or her to school. What do you want that day and the days after that to look like? What does your young adult child need to succeed? This is the stage where you should be focusing on the future and what you want that future

Just as every child is unique, the way each parent approaches their planning is unique. Below are a few basic planning points that are unique in planning for your child from age 16 to age 21. (These steps are in addition to the comprehensive Planning Points outlined in our book, The Special Needs Planning Guide: How to Prepare for Every Stage of Your Child's Life.)

 ~ Your child's abilities may be more defined by this stage, and you may be able to have a glimpse of his or her future abilities as well.

 ~ Now is the time to explore options and alternatives for when your child reaches the age of 21 or 22 (the age at which your state no longer provides public education services). This is called transition planning, and focuses on residential and vocational opportunities for your child when he or she reaches adulthood.

 ~ Get involved in any person-centered planning programs that may be available to your family.

 ~ Obtain eligibility information for any and all government agencies in your state that may potentially provide funding and services for your child after turning age 22.

 ~ Interview and ultimately identify the most appropriate agency to provide residential and/or vocational services based on your child's abilities. Vocational services may also include a day program for your child to attend, again depending upon his or her abilities.

 ~ If you feel that your child will not be able to make decisions on his or her own behalf upon reaching age 18, you should consider the possibility of filing for guardianship (see our previous newsletter on guardianship and less restrictive alternatives).

  ~ Prepare your child to financially qualify for SSI and/or Medicaid benefits. This means that assets in his or her name, including custodial accounts, should be less than $2000 (or the current asset limits).

 ~ In the event that your child's assets are in excess of the limit and he or she would not financially qualify for SSI and/or Medicaid, you should contact a CFP® and an attorney knowledgeable in government benefits eligibility, to discuss options of spending down the assets or transferring them  to a special needs trust (OBRA'93 Payback Trust or d4(A) Trust) prior to applying for benefits.

 ~ Assess your overall financial situation to help determine your ability to achieve your financial goals, including college funding for other children, financial requirements to fund the supplemental needs of your child with disabilities, and your own retirement goals.

 ~ Review your estate planning documents to be mindful of estate tax planning considerations, ownership and beneficiary designations of assets, retirement plans, and life insurance policies.

 ~ Talk to your other children about your plans and your vision for your child with special needs; they may have input to share as well.

 ~ Communicate with extended family members, including grandparents, aunts, uncles, and other friends and relatives, who may be interested in transferring wealth to you and your child. Tell them that you are in the process of planning for your child's future security.

 This is the ideal stage to begin planning for the future for your child. You still have time to make changes and to explore options if you have not done so already.  This would be the ideal time to hire an independent consultant, if you have not already done so.

Click here to access Checklist for Interviewing  a Financial Advisor

Tags: Special Needs Planning Timeline, transition planning

Services vs. Supports for Individuals with Special Needs

Posted by Patricia Manko on Wed, May 22, 2013 @ 02:38 PM

Service and supportsThe Difference between Service and Support 

Today, advocates and professionals often use the word “support” to include anything that someone may need to live in his or her community. Often in human or disability services, an individual has to accept a change in location or compromise in the type of supports needed. 

The two examples below describe the differences between support and service.

Case 1 - After transitioning from Early Intervention into their city’s school system, a family was looking forward to having their child attend their local elementary school. In their transition meeting, they were informed that their son would be sent across town to the one after-school program established to accommodate children with disabilities. However, the family wanted their child to make stronger connections with children at their local school. After a series of meetings, the school district agreed to allocate “supports” through a voucher or other procedure to increase the capability of the child’s local school. This was accomplished by hiring a part-time staff person and budgeting some training for the other teachers at the local after-school program.

Case 2- After years of having a successful job-coaching arrangement while in high school, an individual with disabilities turned age 22 and was told that he had to enter a sheltered workshop for employment services 10 miles away from his home. It was a disappointment for his parents because their son had done so well working in the community. The policy for the adult services system had been to invest resources into local workshops in an effort to provide services to adults. Feeling that this was not appropriate for their child, the parents had many meetings with the disability agency and contacted their legislator  in an effort to develop a job-coaching arrangement similar to what they had before to support their child in the community. Fortunately, they succeeded and were given the ability to interview three agencies that would provide them with the supported employment services that met their son's individual needs. 

The preceding examples highlight the differences between cases in which services are standardized to meet the needs of many and those in which supports are developed around an individual’s needs. However, one must realize that every state will have varying degrees of flexibility built into their support and service delivery system. In planning your child's future, it is suggested that you push to have supports that are built around your child's particular needs. Placing emphasis on supports involves developing a program around the needs of the individual. An environment that is driven by providing services frequently builds standardized programs for all. 

 

 The Life Cycle of Services and Supports  

Throughout our lives we change and evolve. This is no different for individuals with disabilities. As a child, most of the options are consistent with options that other children face. As your child approaches the teen years, it will be vital to change perspectives and help him or her exercise more control and opinions concerning daily life. This will set a foundation that will assist your child with disabilities to build a life that he or she feels is consistent with inner desires and dreams. Avoid the temptation to accept the first service that is offered to you; instead, enter the process with a clear idea of what you and your child are seeking.

 Although the Special Needs Planning Timeline covers multiple planning pressure points, there are three major periods where supports and services change regardless of your location. The major ages that trigger a change in services and/or supports are at your child’s birth, at age 3, and at age 22. There are additional pressure point ages and changes that trigger key planning considerations. These include transition planning at age 16, guardianship and Social Security or SSI at age 18, as well as the death, disability, or retirement of a parent.

Birth to Age 3 When you discover your child has a disability, it is important to obtain Early Intervention services as soon as possible. In addition, look for “parent-to-parent” programs where you can connect with another parent who is raising a child with a disability. Other parents can mentor you and share their information and knowledge. Apply for the Early Intervention services even if you think you are not quite ready to start them, because there may be a waiting period. Research shows that the earlier infants receive stimulation and further professional supports, such as physical, occupational, and speech therapy, the better the child does in reaching milestones.

Age 3 to Adolescence Transition to school is a very important period. At age 3, the school system is responsible for offering educational and related services. In addition, if a child has special health care needs, such as a chronic illness, a disabling condition, or a frequent need for medical technology, check out eligibility for your state’s TEFRA program (the Tax Equity and Fiscal Responsibility Act of 1982) or Special Health Care Needs Program. Early Intervention staff will be of great assistance to explore such options, as well to help with the transition to school.

You may face some challenges during the school year, such as:

  • Helping your child develop a social network
  • Obtaining an appropriate education program while helping your child get included in the everyday life of the school
  • Helping your child learn about his or her body changes during adolescence 
  • Making sure you work with your child, beginning at age 16 years or earlier, to develop transition goals at school and outside school to prepare for adult life
  • Eventually developing a plan with your child and others who care that reflects his or her dreams and desires

Age 22 years and Beyond Becoming an adult isn’t easy for any of us. If your child needs adult services for any aspect of his or her life, you should start learning about the funding and programs offered by the time he or she is age 18 and still a student. Waiting until the last minute may mean limiting or delaying options in adulthood. Different organizations have materials that you can read to help prepare for this stage, but the foundation of the plan should be developed during the teen years.

We have been there both personally and professionally. We can help.

Tags: Special Needs Financial Planning, Special Needs Planning Timeline

Subscribe via E-mail

Follow Me

Special Needs Financial Planning
Our Most Recent