A child with special needs is likely to require more financial-planning work to benefit the child and the parents, according to experts. Advisers frequently recommend establishing a trust, and they must take steps to ensure the disabled person's eligibility for government benefits, experts say. "We're not just doing the planning for the parents, but for after the parents or caregivers may be gone, up to 40 years into the future," says Jerry Hulick of the Washington Group Special Care Planning Team.

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