Life Insurance for Special Needs Families: What the Coverage Calculator Won't Tell You

Standard life insurance advice assumes your child will eventually become financially independent. For special needs families, that assumption can put your child's SSI, Medicaid, and support services at risk. This guide covers why generic coverage calculators fail special needs families, how to fund a third-party special needs trust through life insurance without disqualifying benefits, the critical difference between naming your child vs. naming your trustee as beneficiary, why survivorship policies are often the most cost-effective option, and how family coordination failures like direct inheritances and cash gifts can undo years of careful planning. Built by Memorial Merits for families navigating life insurance decisions when dependency is permanent.