When someone you love is living with multiple sclerosis or another disability, planning for their future can feel overwhelming. You want to make sure they have access to the care they need, protect their financial future, and ensure that any benefits they rely on remain intact. But where do you start?
March is National Multiple Sclerosis Awareness Month, making it the perfect time to think about long-term security for your loved one. Estate planning isn’t just about having a will—it’s about putting legal tools in place that provide protection, financial stability, and peace of mind. Alabama families who have loved ones with disabilities often face tough questions about how to plan ahead without jeopardizing Medicaid, Supplemental Security Income (SSI), or other critical resources. The good news is that there are ways to do both.
One of the most important steps is setting up a trust agreement specifically designed for individuals with disabilities. A special needs trust allows families to set aside funds for a loved one’s future expenses without affecting their eligibility for government assistance. Unlike direct inheritances, which can disqualify an individual from receiving benefits, a properly drafted special needs trust provides supplemental support while maintaining access to Medicaid and SSI.
Another critical consideration is making sure the right person is authorized to handle financial and medical decisions. A durable power of attorney allows a trusted individual to manage financial matters on behalf of your loved one if they are unable to do so. Similarly, health care planning tools ensure that medical preferences are outlined, and a chosen decision-maker can oversee care and treatment if necessary. Having these documents in place can prevent confusion and legal challenges in the future.
Long-term care planning is also an essential part of the process. The cost of medical care, home health services, and specialized treatment can add up quickly. Without the right legal and financial strategy, families may struggle to cover these costs while trying to maintain eligibility for Medicaid. Proper planning can help protect assets while ensuring continued access to the care your loved one needs.
At Alabama Elder Law Center, we understand that every family’s situation is unique. Planning for a loved one with a disability requires more than just legal documents—it requires a strategy that protects their quality of life and long-term security. We are here to guide Alabama families through this process with the care and expertise they deserve.
We know this article raises more questions than it answers. Do not hesitate to reach out to us to schedule a time to discuss your needs. We are here to help every step of the way. At the end of the day, legal planning is not just for you. Instead, it is for the ones you love most. If we can answer any questions for you on putting this estate planning in place, please do not hesitate to let us know. For more information, please reach out to our office and schedule a time to meet.