The psychic toll paid in a special needs house

Source: Ron Lieber - The N.Y. Times (Paid Registration)

Most people caring for a family member with special needs eventually assemble a financial checklist of sorts. They put together a team of health, legal and financial experts who understand their family member’s condition. Then comes the estate plan and making sure they understand the eligibility rules for any state or federal benefits. Checking these items off, however, as I did in a column last week, often proves to be the easier part of special needs planning. The harder part springs from two challenges that are ultimately rooted in emotion and behavior. It’s the psychological side, after all, that often plays a big role in just about every major financial decision.

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