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Disability, Permanent of Dependent Child
Arranging the financial, custodial, and medical care for a
disabled dependent is one of the most difficult planning challenges. With regard to your benefit plans, there are issues affecting both your Welfare benefits and your Pension benefits.
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 Forms:
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 Additional Information:
Welfare SPD
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 External Related Links:
(These are listed for your convenience. The sites and the contents
of the sites are not sponsored or endorsed by your benefit plans.
Use them at your own risk.)
- National Organization on Disability - Promotes full and equal participation of America's 54 million men, women and children with disabilities in all aspects of life.
- disAbility Online - Maintained by the US Department of Labor Disability Employment Initiatives Unit of the Employment and Training Administration. Provides information on employment resources and services available to individuals with disabilities.
- DREDF - Disability Rights Education and Defense Fund.
- NICHCY - National information center that provides information on disabilities and disability related issues. Children and youth, birth to age 22, are the focus
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| Benefit Plan Checklist
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Older children who are physically or mentally disabled may be considered dependents if they because disabled before turning age 19 (or 23 if a full-time student), they were
covered as dependents at the time they became disabled, and you are eligible for benefits. Once your child reaches the age of 19, you must provide evidence of the ongoing permanent disability. This evidence may be required periodically thereafter.
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 Planning Notes:
Financial planners advise that special planning should occur for families with a permanently disabled child. The issues are generally the same as for families with minor children. But, because the length of the child's dependency period can be as long as a lifetime, the planning can be considerably more complicated.
A checklist of items you may wish to review are as follows:
Will Living Trust Estate Plan Establishing a Trust for the Dependent Custodial arrangements for the child in the event of the parents' death. Designation of Beneficiary: IRA, 401k, Life Insurance Adequacy of Life Insurance Adequacy of Disability Insurance
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