In Canada we have the option of saving for our son with a RDSP. What is put in by us is matched by the government, so in effect, free money. f the beneficiary’s income is $75,769 or less for an additional $3,500/yr, to a lifetime maximum of $70,000. This works out such that, if the beneficiary over the age of 18 meets the appropriate income levels, an initiation contribution of $1,500 can result in $3,500 in matching government funds. Also, once your. Hold is 18, you have to decide on trustee and guardianship for your child if they unable to make independent decisions about finance or daily living. It is important to make these plans, especially if you expect your adult child will need long term care.

So far I've set up a special trust for my son and now there is the ABLE account in some states and I'd check into that.

Harriet@

We set up a whole term life insurance policy that will go directly to his special needs trust. Our son is already a residential student, so what would happen is that DCF would take custody, but since the school district is paying for the placement he would just stay where he is. If you have no other resource, I would contact your local ARC and/or Jewish Family Services (you don't have to be Jewish to contact them).

I would go to church and see what they say they usually have good advice

I hope my son will take care of his big sister. I don't expect that she will live with him but I trust he will try to look out for her interests. It's a heavy burden to put a on a 5 year-old boy.