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Planning Ahead for Peace of Mind

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By: Sipi Gupta | January 23, 2020

Most of us think about taking care of our aging parents or spouse when they’re older, and not our kids. But long-term care of adults with disabilities is the next crisis facing Americans.  Ask any of the more than 39.8 million  Until that time, however, you will hear parents asking themselves: What happens when I am no longer able to care for my child?


Here at Gupta Law, parents of children with special needs are strongly urged to begin planning AS SOON AS POSSIBLE.  Special needs planning is a daunting task that has overwhelmed parents and clients for years.  And the Firm’s New Year’s gift to you is a breakdown of the steps and documents you need to best position your adult children with disabilities for lif...

By: Sipi Gupta | September 13, 2019

Although special needs planning can seem overwhelming, it is important to begin identifying what your son or daughter will need throughout his or her life and the what-ifs for when you are no longer there.

Step 1: What Will Be Needed?

  • A future needs assessment taking into consideration your child's disability and anticipated resources - either from public programs like Medicaid and SSI or through private funds. 
  • Tracking regular and intermittent expenses to give you a baseline that includes the costs associated with your child's day-to-day living
  • Contact nonprofits for people with disabilities that offer support and education as well as the invaluable opportunity to connect with and learn from the experiences of others.  
  • Get a...

By: Sipi Gupta | July 09, 2019

Prior to ABLE, one of the only tools available to put money away for savings was a special needs trust. While SNTs remain great options for settlement proceeds, inheritances, and large gifts, etc., ABLE accounts can be used for smaller, more modest sums.  ABLE dramatically increases your ability to save money while retaining your health care and other benefits. The accounts are easy to set up, and easy to administer.  Click here for a very special webinar covering ABLE, SSI/SSD, and special education for your kid.

By: Sipi Gupta | April 11, 2019

Information about the legislation that we will discuss during our round table next week with Senator Casey and Anna Perng:  Currently, in order to open an ABLE account, an individual's age of onset of disability must be 26 or younger.  The ABLE Age Adjustment Bill would increase access to ABLE accounts by permitting individuals with a disability age of onset of up to 46 to qualify.

By: Sipi Gupta | January 21, 2017

Divorce is never easy, but if a child or spouse with special needs is involved, there are special considerations. At the same time, family law attorneys aren't always familiar with how to best protect a spouse or child with special needs during a divorce.  Special needs planners can provide information to family law attorneys who may not understand the special needs planning vehicles that are available and the issues special issues families should take into consideration.

Because no two cases are alike, it is important to look at each case individually to ensure that a divorce does not leave the individual with special needs in an even worse position.  For example, if a court awards a spouse with special needs alimony, the income ...