Is Your Special Needs Planning Stuck In The Past?
Why Some Families Delay Long-Term Planning for Their Child with Special Needs
For many of us, thinking about the future in general is difficult. Contemplating the far-off future for a child with special needs can feel even more overwhelming. It’s not just about paperwork or finances. It’s about imagining a world where your child might have to navigate life without you. That’s a heavy thought, and it’s no wonder so many families put off planning.
But you aren’t the first to go down this road. There are real, understandable reasons why this kind of planning gets delayed and pushed to the back of our minds.
1. It’s Emotionally Tough
This is the obvious and number one reason for many. Planning for the future means facing hard questions: Who will care for my child? Will they be safe? Will they be understood? These aren’t just logistical concerns—they’re deeply emotional. And sometimes, it’s easier to avoid them than to face them.
2. It’s Hard to Know Where to Start
Special needs planning comes with a whole new vocabulary: special needs trusts, ABLE (Achieving a Better Life Experiences account) accounts, guardianship, Medicaid waivers. It’s easy to feel lost in the jargon. Without a clear roadmap, many families just freeze.
3. Money Worries
Some parents think, “We don’t have enough to plan with.” But planning isn’t just for families with big estates—it’s about protecting what you do have and making sure your child stays eligible for benefits. Even small steps can make a big impact.
4. “We’ll Do It Later”
It’s tempting to wait until your child is older, or until retirement feels closer. But starting early gives you more options, more flexibility, and fewer surprises. Plus, you can adjust things as your child’s needs evolve.
5. Legal Stuff Feels Intimidating
Trusts, powers of attorney, letters of intent—it’s a lot. But with the right help, these tools become empowering. They’re not just legal documents; they’re love letters to your child’s future.
6. Hoping For the Best!
Many families assume siblings will step in, or that government programs will cover everything. But without a clear plan, even the most well-meaning relatives can feel overwhelmed. Hope is beautiful—but it’s not a strategy.
So, What Should You Do?
If any of this sounds familiar, take a breath. You don’t have to do everything at once. Start with a conversation. Write down your wishes. Talk to someone who understands this world. Every step you take builds a stronger, safer future for your child—and a little more peace of mind for you.
Our experienced attorney [ Learn more about her: here ] not only is an expert on the matter of Long-Term Care for children with disabilities, but she is also a mother of children with disabilities. She is extremely good at both roles! If you are wondering where to start, schedule a free discovery call with one of our Client Guides and we will be happy to get you started.