About

has been a member since January 1st 1970, and has created 427 posts from scratch.

's Bio

's Websites

This Author's Website is

's Recent Articles

Special Education Needs Causing Financial Crisis in California Schools

Now, I am all for special education for children with disabilities. I attended school at a time when such children were either put into “special” schools or thrown in with the general student population to sink or swim on their own. It was a terrible inequity. It finally was addressed in the 1970s with a law designed to correct such discrimination by giving these children the civil right to an equal opportunity to learn. The law covered children from birth to age 22, guaranteeing them the right to a free and “appropriate” public education. It is the ambiguous word “appropriate” written into the law that is creating a crisis for the California schools, according to Nanette Asimov, staff writer for the San Francisco Chronicle.

The article cited a situation of one California schools child with a disability. The assigned public middle school offered special college prep classes, daily help from a special education expert, a laptop computer, extra time for tests, the opportunity to temporarily leave class if the child’s had an anxiety attack, and a special advocate to smooth over any problems with teachers.

The parents hired a special consultant instead, who found alternative schooling opportunities — all were private schools and all were out-of-state. They settled on a boarding school in Maine, outside the main city, that had one-tenth of the enrollment of the California schools. The one thing this school did not offer was a special education program. The mother said that smaller classrooms and a smaller campus were more important than a special education program. Since the possibility of anxiety attacks was mentioned in the article, no one can truly judge the merit of this situation except the child’s physician and/or psychologist.

After the child was placed into the private school, the parents then hired an attorney, who specializes in special education cases, to file papers with the court demanding the California schools pay four years of tuition and family travel costs between California and Maine. Tuition was $30,000 annually. The California schools met the demands.

This is only one such case in the California schools, which may or may not have been justified. The problem is that it is not the only case. In 2005, there were 3,763 California schools children with disabilities that were the focus of formal complaints — the vast majority of which came from parents. This is triple the number of only ten years ago, and the numbers are growing.

With a cost of almost $40,000 to go to a court hearing and the possibility of an expensive judgment, the California schools attempt to settle cases before they get that far. In 2005, ten percent of the California schools’ cases went to a full hearing — 386 in all. The remaining 90 percent were resolved through confidential settlements. With 700,000 special needs students currently in the California schools and already paying hundreds of thousands of dollars each year for private placements, the school system is headed for a financial crisis.

In 2004, the California schools received $4.1 billion for special education from the government and local sources. It was still not enough to pay these extra settlement costs, and the California schools had to take $1.6 billion from the regular class budget. Twenty-eight percent of the special education expenditures that year came from the regular education budget.

California schools educators complain that parents who are able to afford an attorney are assured more opportunities for their children than those who cannot afford to do so, creating an inequity between the haves and have-nots. Additionally, special education teachers see benefits to special programs, such as horseback riding therapy, but acknowledge that such parent demands are not education related. California schools parents and educators are at odds.

Parents are making tuition payment demands of the California schools for such programs as private day schools, boarding schools, summer camps, horseback riding therapy, and aqua therapy. Additionally, the California schools are expected to pay for computers, airfare, car rental, hotel stays, meals, new clothing and tailoring for the children, cell phone calls, stamps, gas and tolls, and future round-trip visits from time of enrollment until the children graduate from high school.

In all, the California schools are paying billions of dollars each year for private placements and auxiliary costs. It is creating an inequity for children the civil rights law was passed to protect and a financial crisis for the California schools.

I have to admit that I wanted every opportunity possible for my child to live a happy and normal adult life. I had a special needs child and spent many hours sitting in principals’ offices and at the school board demanding that his needs be met. I was thankful that he received access to the available offerings within the public school system.

In my view, however, it is not a question of right or wrong, justified expenditure or not. It is a question of the legislators going back and specifically defining the word “appropriate”. Until then, the California schools are borrowing from Peter to pay Paul, which means less opportunities all the way around.

For more information please visit California School Report Cards and Private School Ratings in California

Article Source: http://www.articlesbase.com/k-12-education-articles/special-education-needs-causing-financial-crisis-in-california-schools-37656.html

About the Author

Patricia Hawke is a staff writer for Schools K-12, providing free, in-depth reports on all U.S. public and private K-12 schools. Patricia has a nose for research and writes stimulating news and views on school issues. For more information please visit California School Ratings and California School Rankings

Children with special needs may encounter financial difficulties without Life Insurance

Special needs children require a lot of care, not just in their younger years, but also as adults, often at the hands of a dedicated caregiver. The monthly expenses of caring for a child with special needs can easily run into hundreds of dollars.

Parents are often too overwhelmed with the daily demands of these children, to worry about looking into the right financial planning vehicle to provide for special children in their later years. However, when you are the parent of a special needs child, you should consider planning your insurance so that your child receives the maximum benefits. A term life insurance is the most affordable insurance plan.

Some of the difficulties commonly encountered when providing for the future of a child with special needs.
Children with special needs often need assistance all through their adult life, and obviously parents cannot provide their personal care indefinitely.

  • Many parents think of making a sibling the beneficiary of their special needs insurance plan, and entrusting the sibling with the responsibility of succeeding themselves as caregivers. In such a case, what if the sibling predeceases the special needs child, or worse, misappropriates the money (there have been too many instances)?
  • Some parents think that making a special needs child a direct beneficiary of their insurance policies is the best approach. What they don’t know is that by doing so they would disqualify the child from receiving government assistance. Any inheritance of more than $2000 will disqualify your special needs child from federal assistance and state assistance programs.

Therefore it is pertinent that parents not just plan for the future, but also make sure that their planning is correct, and is one that does not disqualify the child from getting the government assistance that he or she is entitled to, as a United States citizen.

Life insurance planning
Most parents with special needs children have seriously considered one or both of the above-mentioned ‘mistakes’. But as you can see, they are both not the ideal way to make sure your child has enough money (and therefore adequate care) when you are not around.

The answer to the above challenge is to form a trust, and make the trustee a beneficiary to your life insurance policy, so that the trust is funded by your life insurance benefits (and even other assets if you so wish). The trustee is not allowed to benefit personally from the trust. Further, receiving financial benefits via a trust won’t disqualify children with special needs from receiving government assistance. So forming a trust will overcome both the problems highlighted above.

In addition to forming a trust, here are more tips for you when planning your child’s future.

  • Work out details of your plan, and make sure other family members are clear about it too. Despite the formation of a trust, a child with special needs will need a place to stay. Involve the whole family in deciding where that will be, especially when after both you and your spouse are no more.
  • Talk to an attorney and financial advisors who specialize in special needs cases.
  • Write a letter of intent and leave it your attorney. Your attorney will help you draft it.
  • Work out what government benefits your child is entitled to.

Choosing the right life insurance policy
Permanent life insurance policies usually provide for a cash value in addition to the sum insured and can be very useful in financial planning for the needs of a special needs child. Term life insurance policies provide only the sum assured, but are available for pre-defined terms only. Keeping in mind that parents may already have a lot of financial responsibilities, term life insurance is the more economical option, provided it is taken for a long-enough term, or comes with an option to favorably extend the policy at the end of the term. Term life quotes can be easily obtained through the Internet from a multi-carrier insurance agency. Keeping in mind that you are planning for a special needs child, you would probably find it beneficial to follow-up the free online quote by meeting with a representative for an in-depth discussion.

Be prepared, the right way
A lot of families are quite unprepared to deal with the future needs of children with special needs. These days, medical technology is helping children with special needs to live longer and more productive lives. Insurance and its correct disbursement via a trust are key components in making sure that they are happy and cared for though life.

Article Source: http://www.articlesbase.com/insurance-articles/children-with-special-needs-may-encounter-financial-difficulties-without-life-insurance-1617621.html

About the Author

About AccuQuote:
AccuQuote is a leader in providing term life quotes to people across the United States. In 1986 it began operating with a single goal: to make the process of buying term life insurance as easy as possible for its customers. Their experienced professionals consistently deliver the most affordable term life insurance rates by comparing thousands of life insurance policies from dozens of top-rated carriers.

Estate Planning For Special Needs Children- Special Needs Trusts

Parents generally face challenges when it comes to estate planning needs for their special children. Finding a planning strategy that protects and safeguards the privileges provided to special child once his or her parents are gone becomes cumbersome. Planning and safeguarding the future of special kids requires in-depth knowledge of the federal laws that concern government benefit eligibility and the legal credentials such as trusts and guardianships. These strategies do not only include financial considerations with regards financial security, but also quality life.

This planning method also holds true for issues dealing with medical as well as specialized services and medical equipment. You should understand the educational laws and thus participate in your child’s educational plans. Planning for special children requires you to become a primary expert, or you may also seek help of a professional who deals in special needs estate planning. Though lots of of these issues give an overwhelming impression, it is vital for you to spend some time with experts today to endow your child with a secured tomorrow.

Some estate planning help agencies are committed to serve families who seek help in estate planning tips for special needs children. They walk through the maze by handling financial as well as legal complexities, while planning the future of such special kids. They help families secure a quality life as well as lifetime care for their children or other dependents with special needs.

The primary way to protect such kids is by securing a special trust. This has a trustee who helps to preserve and protect the wealth for the benefit of the special needs child with special allotment rules that put a ceiling on the distributions to the special child. This is done to safeguard his or her power to gain government remuneration.

Some special needs children grow up to be normal adults who can handle their estates as well as manage their own finances. There are many agencies like MetDESK that help parents to handle special kids. A survey found that many special needs children were unable to manage their own basic needs and medical care. In the survey it was noticed that majority of parents had more than one child who needed special care and majority of children were under 18 or under the age of 5 and only 27% were adults.

The survey revealed that children basically had more than one type of special need and close to half of the families indicated that their child faced severe emotional issues. On an average the parents were in the age group of 43 years and above and had some college education earning an average income of $50,000 annually.

Special needs children, need extra help and hence parents should work with finance advisors or specialists that help families, so as to make it safe in the case of both, lifetime care and quality of life for their children or other dependents. The basic point handled should be with regards the protection of the eligibility of such kids to avail important government benefits such as Supplemental Security Income(SSI) and Medicaid.

Article Source: http://www.articlesbase.com/finance-articles/estate-planning-for-special-needs-children-special-needs-trusts-209510.html

About the Author

Sacramento CPA Firm Murray and Young offer Tax Representation by a former IRS auditor. For useful articles and tips by Sacramento Estate Tax Planners, please visit our website at http://www.april15.com.

Parents of a Special Needs Children Should Develop Plan for Later in Life

By Denice Gierach

As published in the Naperville Sun – April 29, 2007

If you have a child with special needs, you understandably worry about taking care of their needs while you are alive, but also after you have died.  A disabled or special needs parent needs to find appropriate care and services, work with the child to obtain independent living skills to the extent possible and protect that child from any harm.  This type of planning involves managing finances and making personal decisions in the event of the disability or death of both parents.  A disabled child may need the parent to make decisions for that child well into adulthood and need to look forward to future residential needs, as well as finding the appropriate caretaker for that child when they are unable to do so.

First, one should note that without appropriate estate planning, the disabled or special needs child will inherit from the parents.  Since the child is not able to manage the financial assets, this would most probably require the court appointment of a guardian.  Such a guardian would have to request for distributions to be made for the benefit of the child and account to the court each year.  In addition, if the child inherits from the parents, the assets that the child is entitled to receive may preclude the child from obtaining certain types of governmental assistance benefits without the assets being spent for their benefit prior to applying for governmental aid programs.

The area of governmental benefit programs is complex, as the child may be entitled to one or more programs and the requirements are different for each type of program.  For instance, unearned income and ownership of assets do not affect eligibility for Social Security and Medicare benefits (when the child is an older adult), but they do for Supplemental Security Income (SSI) and Medicaid.  SSI eligibility is affected not only by cash and checks paid to a child but also by in-kind income in the form of goods and services purchased by third parties.  The goal is to insure that the child is not disqualified from receiving assets place in the child’s name at the parents’ death or disability.

Many parents make use of a discretionary special needs trust.  This trust document is established and funded by the parents and must clearly state that the purpose of the trust is to supplement, not to replace, funds available from governmental and other benefit programs.  The trustee must have complete discretion to use the funds in any way for the beneficiary.  In addition, the child must not have any legal right to access the assets of the trust or the income of the trust.  The trustee chosen must understand the rules concerning the governmental programs, so as to not make a distribution that will adversely impact the child’s eligibility to obtain governmental assistance.

It may also be advisable to obtain a comprehensive professional evaluation of the child’s physical, medical, social, emotional, education and services needs, if one has not yet been done.  This will assist your attorney and financial advisor to refer you to the appropriate case manager or agencies that service children with the particular disability that the child has that will be the most beneficial to the child.

Caring for a disabled child or one with special needs is a 24/7 job.  If you are no longer around to do this job, you should plan ahead to make sure that your child will obtain proper care and be able to live a life that will be the best under the circumstances.

Article Source: http://www.articlesbase.com/personal-finance-articles/parents-of-a-special-needs-children-should-develop-plan-for-later-in-life-545471.html

About the Author

Denice Gierach is a lawyer and owner of The Gierach Law Firm in Naperville. She is a certified public accountant and has a master’s degree in management. She may be reached at deniceg@gierachlawfirm.com. For more information on Denice and The Gierach Law Firm visit Gierach Law Firm

How To Promote Friendships Amongst Special Needs and Non-Disabled Children

Promoting friendships amongst special needs and non-disabled children can be difficult, but can result in lasting relationships. One of the biggest obstacles to promoting such friendships is the social taboo of disability.

This taboo can be overcome by educating children about disabilities. Like everyone else, children are often scared of the unknown; when they are unfamiliar with children who suffer from disabilities they will be more likely to shy away from them. Educating all children, disabled and non-disabled alike, will promote tolerance and acceptance of the differences between them. This acceptance and understanding of one another will pave the way for lasting friendships.

Another issue that may need to be addressed is attention.  Disabled children often require more attention than non-disabled children, which can make non-disabled children feel left out. This feeling of isolation may lead them to act out, either by ignoring the child receiving the attention or by misbehaving to compete for the attention. If both children can participate in the activity, then it is best to include everyone, even if it is geared toward one child or another. This inclusion will help build relationships and will promote an understanding between the children.

Another important part of promoting friendships between special needs and non-disabled children is to try and treat all of the children as equally as possible. Every child is different and requires special care in one way or another, but it is important to avoid calling undue attention to these differences. By treating the children the same they will feel as though they belong to one cohesive group, rather than feeling as though they are two groups of children merged together.  

Once educated, children are often forgiving of the differences in others. With the proper knowledge and the right amount of attention, all children, disabled and non-disabled alike, will be able to learn how to build lasting friendships with one another.

Article Source: http://www.articlesbase.com/disabilities-articles/how-to-promote-friendships-amongst-special-needs-and-non-disabled-children-2785790.html

About the Author