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Providing for your disabled adult child after your death

On Behalf of | Feb 29, 2024 | Blog, Estate Planning

When considering the future, parents of disabled adult children face unique challenges in ensuring their well-being. Planning is key to securing a stable and supportive environment for them.

With careful consideration, you can pave the way for a more secure future for your loved one.

Create a will

Crafting a will or estate plan is the first and foremost step. Clearly outline the distribution of your assets to financially support your disabled adult child. Specify who will be responsible for managing these assets on your child’s behalf.

Establish a trust

Consider setting up a special needs trust. This type of trust manages funds for the benefit of your disabled child without affecting eligibility for assistance programs. Specify the trustees carefully, ensuring they understand your child’s unique needs and can make decisions in their best interest.

Explore government assistance programs

Research government assistance programs available for individuals with disabilities. Understanding these programs can help you make informed decisions about the financial support your child may need. It is important to be aware of eligibility criteria and application processes.

Identify a guardian

Designate a guardian for your disabled adult child. This person will be responsible for making decisions on their behalf when you are no longer around. Ensure the chosen guardian is well-informed about your child’s medical, emotional and financial needs.

Encourage independence

Support your child’s independence to the fullest of their abilities. Explore vocational training programs or employment opportunities that align with their skills and interests. Encouraging independence can contribute to their overall well-being and provide a sense of purpose.

Maintain open communication

Communicate openly with other family members about your plans and wishes for your disabled adult child. Having everyone on the same page can prevent misunderstandings and ensure a smooth transition.

Regularly review plans

Life changes, and so do circumstances. Regularly review and update your plans to reflect any changes in your child’s needs, government programs or your financial situation. This ongoing assessment will help you adapt your strategy as needed.

Being aware of your options ensures proper care for your disabled child even after your death.


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