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Special Needs Planning

If you are caring for someone with special needs – whether it be a spouse, parent, child, or other loved one – then it is quite possible that you are not only concerned with their current health related issues, but also about their long term financial needs.

What constitutes special needs? An individual who will always rely upon others for assistance – regardless of what level that reliance is on.

Although there are certain government benefits available, many individuals do not realize just how easily those funds may be lost. This can leave your loved one at risk of receiving no funds at all and can make them especially vulnerable should there be no one there to care for them.

Oftentimes, it takes a very careful planning approach to ensure that these individuals will have access to the funds that they need to live the quality of life that they want and deserve.

One solution could be the creation of a special needs trust using life insurance proceeds for funding. By using this technique, the living expenses of your loved one can be accessed without affecting any of the other funds that they may already be receiving.

However, these instruments must be set up correctly – and with the right type of life insurance policy – otherwise, the strategy may not be viable for the particular outcome you had hoped for.

When faced with a special needs situation, it is always a good idea to discuss your options with a life insurance professional who is well versed in these matters and can point you in the right direction to accomplishing your specific goals.

By using strategies that are geared to those with special needs, both you and your loved one can be assured that they will be taken care of in the future.


At Romero Insurance and Financial Services, we are independent agents. This means that we are not tied to one particular life insurance company or product, and we can provide you with information on the type of policy that will truly best fit your specific needs.


For additional information on Special Needs Planning contact us today.


Romero Insurance & Financial Services
1462 Bloomingdale Ave ValricoFL33596 USA 
 • 813-657-0100