October is Learning Disabilities Awareness Month — a time to celebrate the strengths of individuals with learning disabilities and raise awareness about the challenges they face. It’s also the perfect time to talk about a topic that can bring peace of mind: estate planning.
If you have a loved one with a learning disability, you already know how important it is to plan ahead. Estate planning isn’t just about who gets what. It’s about making sure your loved one stays supported, secure, and able to live their best life — no matter what the future holds.
Why Estate Planning Matters for Families Like Yours
Without a plan, your loved one could lose access to important benefits, face unnecessary legal problems, or end up in a situation you wouldn’t choose for them. With a plan, you can:
- Keep them eligible for programs like Medicaid or SSI.
- Give clear instructions for the people who will care for them.
- Protect and manage assets so they truly benefit your loved one.
Tools That Can Make a Difference
Special Needs Trust (SNT)
An SNT lets you set aside money for your loved one without risking their benefits. You can use the trust to pay for things benefits don’t cover — like therapies, education, transportation, or recreation.
Powers of Attorney
If your loved one is an adult who needs help making financial or medical decisions, a power of attorney allows someone you trust to step in when needed.
Guardianship or Supported Decision-Making
Some individuals need a legal guardian to protect their best interests. Others do well with supported decision-making, which gives them more independence while still getting help with important choices.
Letter of Intent
This isn’t a legal document, but it’s incredibly helpful. It’s a guide for future caregivers with personal details — daily routines, likes and dislikes, medical information, and anything else that helps your loved one feel understood and cared for.
Start the Conversation Now
Talking about the future can feel overwhelming, but waiting only makes it harder. The sooner you create a plan, the more control you have over the outcome — and the more peace of mind you give yourself and your family.
We’re Here to Help
At Beacon Legacy Group, we work with families to create estate plans that protect benefits, safeguard assets, and reflect your vision for your loved one’s future. We listen, we plan together, and we make sure you feel confident moving forward.
This Learning Disabilities Awareness Month, take a step toward protecting your loved one’s tomorrow. You’ll be glad you did.