Kiplinger

How to Plan Ahead for a Disabled Child's Inheritance

My friend David recently retired after 39 years as the leader of a life and casualty insurance business. His grown son, Connor, works part-time in a controlled work environment and lives happily in a supported shared residence. Connor has had health and cognitive issues since birth and relies heavily on his parents for practically everything: proper nutrition, clothing and personal hygiene, transportation to work and appointments, reading notices and attending reviews, managing insurance forms, paying taxes, spending money, and recreational and social interaction.

In fact, without the controlled

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