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Estate Planning & Asset Protection

Special Needs Planning in La Jolla, CA

How To Leave Assets For Your Special Needs Child

Estate planning for a family with special needs children comes with a complex set of financial, social, and medical issues that some lawyers are ill-equipped to handle.

We at Hsiao Law, PC are dedicated to ensuring your child with special needs will be well taken care of when you are no longer able to serve as their primary caregiver.

We offer a variety of estate planning tools and strategies designed to accommodate the unique circumstances presented by children with special needs and their families.

We can help you pass on the financial assets needed for your child to live a rich quality of life without jeopardizing their eligibility for government benefits. We will also assist you in finding and appointing a trusted guardian and/or trustee to look after them in the event of your death or incapacity. And we will help with locating the best residential opportunities and identifying the best means to pay for them.

Attention Parents:


Discover how to take charge of your child’s future and build a fortress of protection that will last a lifetime.

Special Needs Trusts

One “Catch-22” situation that typically arises in estate planning for those with special needs is how to leave enough money to pay for the massive amount of care and support a special needs loved one typically needs throughout their lifetime, while not disqualifying them from government benefits like Medicaid and Supplemental Social Security Income.

If you leave a large lump sum of money directly to a special needs child, immediately there are concerns about how that might impact governmental assistance and whether your child is capable of managing finances on their own.

Fortunately, we have an estate planning tool called a “special needs trust” designed to provide supplemental financial resources for the physically, mentally, or developmentally disabled child without affecting their eligibility for public healthcare and income assistance benefits.

Special Needs Estate Planning for Clairemont Mesa Families
Trusts are a staple in special needs planning and include:

Support Trusts: The trustee is required to distribute funds for the beneficiary’s basic care needs such as food, shelter, clothing, medical care, and educational services. Support trust beneficiaries are ineligible for supplemental security income (SSI) or Medicaid.

Special Needs Trusts: First and third party special needs trusts, while funded by different income sources, both protect the special needs person’s eligibility for public benefits and supports.

This said, the rules for such trusts are quite complicated.

For instance, funds from a special needs trust cannot be distributed directly to the disabled beneficiary and must be disbursed to a third party who is responsible for providing the goods and services your special needs child will need to maintain a comfortable lifestyle.

Even once you have established a special needs trust, the care and attention we pay to your special needs child is not over. We know that your child’s financial and emotional requirements will over time, sometimes dramatically. And the laws governing public benefits change over time.

Given this, it is vital to work with an experienced special needs attorney who can create a comprehensive special needs trust that is both properly structured and appropriate for your child’s specific situation.

Special Needs Planning And Trusts

If you need estate planning for your child with Down Syndrome, autism, cerebral palsy, or any another developmental or intellectual disability, we are here to help you.

We will help you develop a sustainable living plan for your child with special needs that will provide them with the finances they need to live a full life, while preserving their access to government benefits.

Have Kids at Home?

Then You Need to Name Legal Guardians. Do It Here for Free.

If you have children, you likely worry about what would happen to them if something happens to you.

At the very least, you want to name legal guardians to care for them for the long-term. And, it needs to be done legally. So, we’ve created a website to make it easy and you.  You can name guardians for your kids for free.

Once you name guardians for your kids, you will rest easy at night knowing for sure…What would happen to your kids if something were to happen to you?

Don't leave your children's future to chance.

Without a proper Kids Protection Plan®, your children could end up in the hands of strangers or in the care of someone you wouldn’t choose. Act now to ensure your children are always protected and raised by the people you trust.

Give your children the security they deserve!

We Are Professional Estate Planners

Hsiao Law is passionate about educating our La Jolla residents and takes the time to get to know you, your family, your concerns, your goals and your issues. Amy Hsiao will gladly and patiently answer all your questions to design an estate plan that is exactly right for you and will keep your loved ones out of court and out of conflict.

At Hsiao Law, we are dedicated to providing comprehensive estate planning services tailored to your unique needs. From ensuring your children are protected to minimizing estate taxes, we offer the competence and support La Jolla residents need at every stage of life. Book your initial call now and start planning for your family's future with confidence.

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