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    • Planning with purpose

    An in-depth guide to planning for the care and financial security of individuals with special needs
    Steve Hamilton, JD, CLU®, ChFC®, Technical Director, Nationwide® Advanced Consulting Group
    Key highlights
    • Over 14.5 million children and more than 70 million adults in the U.S. have some type of disability or special need
    • Many caregivers haven’t identified a guardian or established a trust for their dependents with special needs
    • By asking the right questions, being aware of available benefits and understanding various types of trusts, financial professionals can help ensure proper planning for the future care of individuals with special needs

    With over 85 million Americans living with disabilities, the need for thoughtful, proactive financial planning has never been greater. This white paper from the Nationwide Retirement Institute® explores the unique challenges faced by caregivers of individuals with special needs — many of whom have yet to designate guardians or establish trusts. It highlights the importance of early planning to ensure long-term care, financial security and access to essential government benefits, while also addressing the emotional and logistical complexities of caregiving.

    A caregiver holds a child with special needs in a cozy kitchen, highlighting the importance of financial planning for families supporting dependents with lifelong care needs.

    Empowering financial professionals to make a difference

    Financial professionals have a vital role to play in guiding families through this intricate landscape. From awareness of government programs such as Medicaid and SSI to understanding special needs trusts and ABLE accounts, this paper outlines actionable strategies and service models that can protect assets without jeopardizing benefits.

    Download the full white paper (PDF)