How to Help a Disabled Relative
When you have a relative that has been disabled you will often find yourself facing many challenges and obstacles. In addition to overseeing their long-term care, you also need to ensure that they will have something left behind for them after you are gone. Knowing how to navigate these difficult decisions can seem overwhelming, but with a little bit of information you can have a better understanding of how to help a disabled relative. This article will cover three ways that you can assist a loved one who has become disabled.
One primary way that individuals have found as a way to take care of disabled loved ones is the use of caretakers. These trained professionals will have aa lot of practice and education in their field and be able to greater assist your loved one with many different challenges and needs. One of the downsides to using caretakers is that you are placing trust in a stranger to care for your disabled loved one as well as the high cost that is often associated with the use of care taking.
There are facilities that can help care for your disabled loved one depending on the severity of their need. The use of rehabilitation facilities or facilities specifically designed for the disabled has sometimes shown promise for disabled individuals that are looking to have long-term care or even possibly return to a normal quality of life. Facilities that specialize in care for the disabled are often very high in price but can also be covered with certain forms of insurance. It is important to understand how these facilities operate prior to enrolling a loved one within their premises. Make sure you do the proper research on the staff and the facilities in general before you move forward with any kind of long-term commitment.
When it comes to making sure that your loved one will have care after you are gone, one of the most popular choices for many individuals is the use of a will. Using a will has a couple of disadvantages that many individuals are not aware of, however. One of the chief disadvantages is that a will can often be taxed and interfere with government assistance that has been made available to your loved one. Another choice is the use of a special needs trust. As a special needs trust beneficiary, you’re disabled loved one will be able to benefit from a trust for disabled individuals such as themselves. A special needs trust will allow your loved one to receive money from your estate after you’re gone in addition to any type of government assistance or programs that they may be benefiting from as well. A special needs trust beneficiary will often have a person in charge of the estate oversee the trust in order to make sure that the individual is being taken care of the way that their deceased loved one has requested. A special needs trust can be surprisingly affordable, and a quick search online will direct you to some resources to help get you started.
Establishing care for a disabled relative can be a challenge. Not knowing what options are available to you will make this road a much more difficult one but some knowledge will give you some peace of mind and allow you to know that your loved one is going to be taken care of long after you’re gone. Do some research on caretakers in your area, check into some local facilities to specialize in care that may help your loved one or look into a trust for disabled individuals such as your relative. Each of these options will be able to help your loved one maintain a steady quality of life long after you’re gone.