Whether your dependent is young, old, or somewhere in-between, you should craft a plan that addresses his or her unique special needs. We understand that the needs of a child are quite different from those of an adult or a senior.
Use the checklist below to help you identify what support works best for your loved one and the services you should consider with your legal and tax advisors.
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Child
- Know your child's diagnosis and treatment plan.
- Develop a dialogue with community resources, such as doctors, therapists, teachers, and support groups.
- Make certain that your school district develops an Individual Education Plan (IEP) that responds to your child's long-term educational and behavioral needs. Be prepared to ask for specific services, because school districts are concerned about their budgets.
- Determine if college is a realistic goal for your child and discover what schools are equipped to address your child's unique needs.
Adult
- Know your adult dependent's health condition and treatment plan.
- Decide if establishing a guardianship is appropriate.
- Determine what sort of housing works best for your dependent adult.
- If your dependent is employed, ensure that income is reported and treated according to federal guidelines.
- Plan for recreational and leisure activities.
- Monitor your special needs trust document to ensure that trust assets are used to supplement-not replace-government benefits.
Senior
- Know your senior dependent's health condition and treatment plan.
- Understand any long-term living arrangements and all associated costs.
- Consider the impact of aging on a current diagnosis and the need for additional resources.
- Research your senior's eligibility for federal and state resources.
- Initiate estate planning for your senior dependent.
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Activate Your Special Needs Solutions…For All Ages Checklist
Start the process today by contacting a qualified professional from the Prudential Special Needs Solutions…For All Ages program at 1-877-538-8461 or email a representative at specialneedssolutions@prudential.com.
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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.
0177819-00008-00
