13 Questions

Most healthy, well-adjusted individuals do not want to visit the doctor.  Even when symptoms become uncomfortable those symptoms may be neglected.  It's quite natural to avoid conversations that are both uncomfortable and often tedious to think about.

Similarly while often thought of, parents and guardians tend to not look far enough into the future to determine  if their child's welfare should be a current issue of concern.  Decisions are often made passively by simply neglecting to think about them.  It isn't that we don't care about our children, but modern life is hectic and we think there is time to deal with these issues later.  It's the rare individual that tackles these issues directly and without the guidance and urging of professionals.

MetLife Center for Special Needs PlanningSM helps you address the question, "What if I'm not here to care for my child?".  It is up to you to answer this difficult question.  Only you can make a difference in your child's future.  You are the expert when it comes to your child with special needs..

The following questions may help you determine if your child will receive a lifetime of care even if you are not there to provide that care.  If you don't have an answer you are comfortable with, then contact an adviser who is trained with the distinctive requirements to assist families like yours.  If you wish to have a conversation with us please contact us .  We will help you determine how to provide a "lifetime of care" and "quality of life" for your child with special needs.

  1. Do you or your spouse have a vision of how your child will live if both of you are not around?
  2. Have you identified a guardian, conservator, or trustee for your child?
  3. Do you have a complete understanding of Supplemental Security Income (SSI) or Social Security Disability Insurance (SSDI) government benefits?
  4. Have you begun setting aside money for your child with special needs?
  5. Do you have a written Letter of Intent?
  6. Are either children with special needs or children without special needs being excluded in your will?
  7. Do you have a special needs or supplementary trust set up to preserve government benefits?
  8. Have provisions been made to fund these trusts with assets or insurance?
  9. Have you coordinated your special needs planning with other relatives?
  10. Have you done everything possible to protect your child’s financial future?
  11. Have you planned where your special needs child will live if you are not around?
  12. Will your child be able to earn enough to care for himself or herself?
  13. Will your child have adequate health insurance?

Yes, I wish to be contacted for an intake meeting.

MetLife does not provide tax or legal advice. Please consult your tax adviser or attorney for such guidance.