At The Prudential Insurance Company of America, we understand that providing proper care for loved ones with special needs isn't a simple task. The population of persons identified as living with a disability-more than 12% of the U.S. population-is varied and warrants services suited to their unique needs.1 That's why we maintain a dedicated and trained group of financial professionals who can offer potential solutions for every stage of their lives using appropriate insurance and financial products.
This group of financial professionals participates in the Prudential Special Needs Solutions…For All Ages training program to become better educated on the broad range of issues that affect families that have dependents with special needs. As a result, these financial professionals have a greater understanding of the concerns and goals that you may have, which often include:
- Ensuring quality of life for your loved one with special needs
- Funding Special Needs Trusts2
- Saving for retirement
- Protecting your assets
of planning for your loved ones with special needs.
Our services
While our financial professionals do not provide tax or legal advice, they can:
- Help educate you about the benefits of establishing a special needs trust for your dependent, and in particular, how it can protect your loved one's eligibility for government assistance, such as Supplemental Security Income (SSI) and Medicaid.
- Deliver workshops to caregivers and non-profit associations.
- Recommend the proper financial products to help fund a special needs trust.
- Help you create a Letter of Intent, which states your wishes for your dependent's future, so that family members and future caregivers have a full understanding of the individual's personal preferences, habits, health issues, educational goals, housing, work goals, etc.
- Connect you to a listing of attorneys with expertise in special needs law.
To contact a qualified financial professional from the Prudential Special Needs Solutions…For All Ages program, call 1-877-538-8461 or email us at specialneedssolutions@prudential.com.
Investment advisory services are offered through Prudential Financial Planning Services, a division of Pruco Securities, LLC.
Life Insurance and other products that can help meet the future needs of those with special needs are offered by The Prudential Insurance Company of America, Newark, NJ and its affiliates.
Prudential Financial, its affiliates, and their financial professionals do not offer legal or tax advice. Be sure to consult with your tax and legal advisors regarding your personal circumstances.
1Source: Cornell University, 2008 Disability Status Report - United States.
2A Special Needs Trust (SNT) is a legal document, prepared by an attorney with expertise in special needs law, for the benefit of an individual-a child, spouse, or surviving parent-with a disability. It may be created either while the grantor is alive (an inter vivos SNT) or be part of a will (a testamentary SNT). A child, spouse, or parent with disabilities often has unique and long-term needs that are not provided for by Medicaid and other government benefit programs, such as Supplemental Security Income (SSI). The SNT operates to meet those needs.
The Prudential Special Needs Solutions For All Ages SM program is designed to provide information in regard to the subject matter covered. It should be used with the understanding that The Prudential Insurance Company of America is not rendering legal, accounting or tax advice. Such services should be provided by your own advisors. Insurance is issued by The Prudential Insurance Company of America, Newark, NJ, and its affiliates.
Life Insurance and other products that can help meet the future needs of those with special needs are offered by The Prudential Insurance Company of America, Newark, NJ and its affiliates.
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