Families of individuals with special needs face unique challenges when planning for the future. Ensuring the long-term care and financial security of a loved one with disabilities requires a thoughtful and strategic approach to estate planning. At NewPoint Law Group, LLP, our experienced special needs planning attorneys in Roseville and Sacramento are here to help you protect your family member’s future, while preserving their eligibility for essential government assistance programs like Supplemental Security Income (SSI) and Medi-Cal.

Why Special Needs Planning is Essential

Special needs planning is not just about creating a will or trust—it’s about designing a comprehensive plan that ensures your loved one receives the care and financial support they need throughout their lifetime. A well-structured plan can protect your loved one’s access to public benefits, while also providing additional financial resources through specialized trusts and accounts. By engaging in proper special needs planning, you can ensure that your family member will be cared for, even in the event of your passing or incapacitation.

How Our California Special Needs Planning Attorneys Can Help

At NewPoint Law Group, LLP, we understand the complexities of planning for a family member with special needs. Our attorneys can guide you through the estate planning process, helping you:

Understand the legal rights and benefits available to individuals with disabilities.

Set up essential legal documentation to protect your loved one’s financial future.

Design a plan that ensures your loved one retains eligibility for government assistance programs like SSI and Medi-Cal.

Establish a trusted caregiver who can manage your loved one’s affairs if you are no longer able to do so.

We take the time to understand your family's unique situation, providing tailored solutions that address both immediate and long-term needs.

Key Components of Special Needs Planning

A comprehensive special needs plan typically includes several key tools and documents to ensure your loved one is fully protected:

Special Needs Trust (SNT)

A Special Needs Trust allows you to set aside funds for your loved one without jeopardizing their eligibility for public benefits. This trust can cover expenses like medical care, education, and personal needs, all while preserving access to government programs like SSI and Medi-Cal.

Wills and Guardianships

A properly drafted will is essential for appointing a guardian who will care for your loved one after your death. This ensures that your chosen individual has the legal authority to make decisions on their behalf, giving you peace of mind.

ABLE Accounts

An ABLE account offers another option to save for a loved one’s future without affecting their eligibility for disability benefits. Funds in an ABLE account can be used for a wide range of expenses, from housing and education to healthcare and transportation.

Letters of Intent

A letter of intent is a crucial document that outlines your specific wishes for your loved one’s care. While not legally binding, it serves as a guide for future caregivers, detailing daily routines, medical needs, and preferences.

Life and Long-Term Care Insurance

Planning for the financial future of a family member with special needs often involves insurance policies that can provide the funds necessary to care for your loved one after you are gone.

Avoiding Common Pitfalls in Special Needs Planning

Special needs planning is complex, and there are several common mistakes that families often make, including:

Failing to establish a legal plan that protects the special needs individual’s financial future.

Assuming that public benefits alone will be sufficient to support your loved one.

Not designating a guardian or trustee to manage your loved one’s care and finances.

Attempting to handle special needs planning without the guidance of an

experienced attorney, which can lead to costly errors.

By working with our skilled special needs planning attorneys in Roseville and Sacramento, you can avoid these pitfalls and create a plan that secures your loved one’s future.

When to Contact a Special Needs Planning Attorney

If you are a caregiver for a family member with special needs, it’s important to have a plan in place that addresses their long-term care, financial support, and continued eligibility for government benefits. Don’t wait until it’s too late—contact NewPoint Law Group, LLP today to start planning for the future. Our experienced attorneys will work with you to create a customized estate plan that provides peace of mind for you and security for your loved one.

Call us at (800) 358-0305 to schedule a consultation and begin the process of securing your loved one’s future with a comprehensive special needs plan.