Question: Won’t Leaving an Inheritance to My Child with Special Needs Help More Over the Long-Term Than SSI or Other Benefits?

When I meet with parents to start the process of creating a special needs plan for their child with disabilities, I almost always advise against leaving any type of inheritance outright to the child when mom or dad passes away.

This can come as a shock to parents, who may strongly believe that leaving their child a large life insurance policy or cash benefit, for example, would be more helpful in the long run than having the ability to receive any modest benefit offered by the state or federa...