What is Special Needs Planning?
Provides for an individual with special needs, taking into consideration the needs of the family as well as the individual.
Plans can be made by the individual and/or the loved ones of the individual-Child of any age-Sibling-Spouse-Parent-Other relative or friend
Someone in your life, by nature, accident or illness needs extra attention to thrive. An education on your alternatives can connect you with social, emotional, legal and financial resources to gain the most enjoyment from every family.
Melisa Mysliwiec's presentation addresses social security benefits for children with disabilities for both themselves and their families and the proper steps to claim supplemental security income. Other insights from her talk included:
- Eligibility for Supplemental Security Income for Children with Disabilities
- Resources Included in Supplemental Security Income
- Proper Steps for Supplemental Security Income for Disabled Adult Children
- Correct Methods for Contacting the Social Security Administration
For more information on creating and revising plans for children with disabilities, contact attorney Melisa M.W. Mysliwiec at mmysliwiec@fraserlawfirm.com or 616-301-0800.
Someone in your life, by nature, accident or illness needs extra attention to thrive. An education on your alternatives can connect you with social, emotional, legal and financial resources to gain the most enjoyment from every family.
Melisa Mysliwiec's presentation addresses social security benefits for children with disabilities for both themselves and their families and the proper steps to claim supplemental security income. Other insights from her talk included:
- Eligibility for Supplemental Security Income for Children with Disabilities
- Resources Included in Supplemental Security Income
- Proper Steps for Supplemental Security Income for Disabled Adult Children
- Correct Methods for Contacting the Social Security Administration
For more information on creating and revising plans for children with disabilities, contact attorney Melisa M.W. Mysliwiec at mmysliwiec@fraserlawfirm.com or 616-301-0800.
Social Security, Medicare and your RetirementBlain Bogar
This seminar will explain how Social Security and Medicare work, what is being done to ensure their survival, and how you can help clients and prospects plan for their retirement and medical care so that they do not have to rely heavily on either program.
What is the average cost of health insurance in Californiajohnpaul1990
The deck explains the scenario for average cost of Health Insurance in California. There are insights based upon the trends of average cost of health insurance in California which would help to choose the citizens of California the right Health Insurance policy based on their earnings. It also includes insights based on overall yearly/monthly expenses and the average cost. If you find this deck interesting do share it within your network and help your friends and family to choose their medical plans based on their average costs. Also, hit that follow button if you would like to receive notifications for the upcoming guides on Health Insurance policies in California.
How Social Security Works! Getting Texas Social Security Disability HelpVictor Makris
Getting Social Security Disability help isn't the clearest process. To help understand the program, Victor Makris offers an overview of the program. Learn more at http://www.houstonsocialsecuritydisabilityattorney.com/social-security-disability-help/
The 2019 Marketplace health insurance plan is going to start from 1st January and there is the chance to enroll name until 15th December 2018, get a quick idea about the costs.
If you're like most parents who have a child with a disability, one of the most
important questions you ask yourself is…
What's going to happen to my child when I'm no longer here?
Special Needs CEU Presentation
Call our office today. Ask for Mr. Niemann to personally discuss your New Jersey Special Needs Trust.
Toll-free at (855) 376-5291
or e-mail at fniemann@hnlawfirm.com.
The use of snt and strategies. By Fred Niemann.
Ask for Mr. Niemann to personally discuss your New Jersey Special Needs Trust.
Call him toll-free at (855) 376-5291
or e-mail him at fniemann@hnlawfirm.com.
Call our office today. Ask for Mr. Niemann to personally discuss your New Jersey Special Needs Trust.
Call him toll-free at (855) 376-5291
or e-mail him at fniemann@hnlawfirm.com.
He looks forward to meeting with you.
Social Security, Medicare and your RetirementBlain Bogar
This seminar will explain how Social Security and Medicare work, what is being done to ensure their survival, and how you can help clients and prospects plan for their retirement and medical care so that they do not have to rely heavily on either program.
What is the average cost of health insurance in Californiajohnpaul1990
The deck explains the scenario for average cost of Health Insurance in California. There are insights based upon the trends of average cost of health insurance in California which would help to choose the citizens of California the right Health Insurance policy based on their earnings. It also includes insights based on overall yearly/monthly expenses and the average cost. If you find this deck interesting do share it within your network and help your friends and family to choose their medical plans based on their average costs. Also, hit that follow button if you would like to receive notifications for the upcoming guides on Health Insurance policies in California.
How Social Security Works! Getting Texas Social Security Disability HelpVictor Makris
Getting Social Security Disability help isn't the clearest process. To help understand the program, Victor Makris offers an overview of the program. Learn more at http://www.houstonsocialsecuritydisabilityattorney.com/social-security-disability-help/
The 2019 Marketplace health insurance plan is going to start from 1st January and there is the chance to enroll name until 15th December 2018, get a quick idea about the costs.
If you're like most parents who have a child with a disability, one of the most
important questions you ask yourself is…
What's going to happen to my child when I'm no longer here?
Special Needs CEU Presentation
Call our office today. Ask for Mr. Niemann to personally discuss your New Jersey Special Needs Trust.
Toll-free at (855) 376-5291
or e-mail at fniemann@hnlawfirm.com.
The use of snt and strategies. By Fred Niemann.
Ask for Mr. Niemann to personally discuss your New Jersey Special Needs Trust.
Call him toll-free at (855) 376-5291
or e-mail him at fniemann@hnlawfirm.com.
Call our office today. Ask for Mr. Niemann to personally discuss your New Jersey Special Needs Trust.
Call him toll-free at (855) 376-5291
or e-mail him at fniemann@hnlawfirm.com.
He looks forward to meeting with you.
SNT in New Jersey
Call our office today. Ask for Mr. Niemann to personally discuss your New Jersey Special Needs Trust.
Call him toll-free at (855) 376-5291
or e-mail him at fniemann@hnlawfirm.com.
He looks forward to meeting with you.
New Jersey SNT Estate Planning Attorney.
Call our office today. Ask for Mr. Niemann to personally discuss your New Jersey Special Needs Trust.
Call him toll-free at (855) 376-5291
or e-mail him at fniemann@hnlawfirm.com.
He looks forward to meeting with you.
Estate Planning for Families with Special Needsmilfamln
Planning for the future is something everyone should devote substantial time and thought to but especially families with special needs. This session will explore the importance of this type of planning and decision-making. We will explore estate planning considerations across the life cycle for families with special needs. We will also discuss documents such as powers of attorney and trusts, including a revocable living trust and a special needs trust. Lastly, we will look at considerations for needs-based public benefits such as Supplemental Security Income (SSI) or Medicaid.
Social Security Disability Insurance (SSDI) and Supplemental Security Income ...mitoaction
Please join us on Friday, August 7, 2015 as we welcome two experts in the field of Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) provide an overview of these public benefits for Mito patients. Topics to be covered in this conference call include:
Overview of SSI and SSDI programs;
The differences between SSI and SSDI;
Social Security’s definition of disability as it pertains to mitochondrial disease;
How SSDI is designed to work, eligibility criteria, and the full range of SSDI benefitts;
The application and appeals processes for SSI and SSDI;
Resources available to support SSI and SSDI applications and appeals processes;
Information on SSI and SSDI benefits for adult disabled children;
Returning to work after obtaining social security benefits (the "Ticket to Work Program");
Specific challenges for individuals with mitochondrial disease in applying for SSDI and how to address them; and
The benefits of professional representation and how to evaluate representation options.
Why Trusts may be of Value
Trusts have generally been used to help people who fall into two basic categories: people who need financial assistance and people who are unable to manage their own money properly. Hence, trusts have been used to benefit children, those over the age of majority who are immature and otherwise unable to manage large sums of money, those with disabilities who aren’t able to manage their own affairs, and those with substantial creditors.
There are many reasons why you should draft a will, including:
You can ensure that your assets go to the beneficiaries you desire rather than depending on a court to decide for you.
The existence of a will speeds up the process considerably, allowing your beneficiaries to get the assets sooner.
The existence of a will reduces the chance of family disputes over property.
In addition to specifying who you want your assets to go to, you can also let your beneficiaries know how you would like for them to use those assets.
You can also use a will to designate who will be the guardian of your minor children rather than depending on a court to decide for you.
You can include provisions for heirs with special needs.
Retirement Savings Challenges for WomenBobby Cherry
When it comes to saving for retirement and planning for retirement income, women face a number of unique challenges, which we’ll be discussing in more detail.
First of all, women generally live longer than men, which means they may need to plan for more years in retirement.
Because of their longer life expectancies, women should also consider that they may spend some of their retirement years living on their own.
Women often interrupt their careers to care for children and aging parents.
Because of these career interruptions, women may spend less time in the workforce and earn less money than men in the same age group, which could result in saving less for retirement and having a lower Social Security benefit.
It’s important to recognize these challenges and plan accordingly. Let’s look at each challenge a little more closely.
What is an annuity?
An annuity is an insurance-based contract between you, the owner, and the contract issuer.
This is basically how annuities work: You pay after-tax dollars to the issuer, the issuer invests the money for you, and any earnings accumulate tax deferred. At some point, the issuer pays out the principal and earnings to you or to your beneficiaries. Earnings are taxed as ordinary income when they’re distributed.
You can convert amounts from a traditional IRA to a Roth IRA in three ways.
You can make a rollover. You receive a distribution from your traditional IRA and then roll it over to a Roth IRA within 60 days after the distribution.
You can make a trustee-to-trustee transfer. You direct the trustee of the traditional IRA to transfer an amount from your traditional IRA to the trustee of your Roth IRA.
You can make a "same-trustee" transfer. If the trustee of your traditional IRA also maintains your Roth IRA, you can direct the trustee to simply transfer an amount from your traditional IRA to your Roth IRA, or redesignate your traditional IRA as a Roth IRA.
How many people in this room expect to need long-term care one day? It’s not surprising that few of us do, because it’s hard to face the fact that our health might decline. But statistics suggest that the risk is greater than we think. Approximately 70% of us--that’s 7 out of every 10 people here today--will need some type of long-term care services during our lifetimes at some point after we reach age 65. And though it's good news that people are living longer, a long life span increases the chance of developing serious health problems. In fact, according to the Alzheimer’s Association, one in nine people age 65 and older has Alzheimer’s disease, which often leads to the need for nursing home care. And while older people are more likely to need long-term care, younger people may need care too, as a result of a disabling accident or illness such as multiple sclerosis or Parkinson’s disease.
This isn’t meant to scare you, but rather to remind you that the need for long-term care can happen to anyone at any time. The need to be prepared is real, and something that you shouldn’t ignore.
Close your eyes for a moment--now try to picture yourself on the first day of your retirement. Your last day of work is behind you; there is no alarm clock jolting you out of sleep. You awaken on your own and you have the rest of your life ahead of you. Are you happy about your prospects? Relaxed? Energized? Excited? Now open your eyes.
How business continuation planning could help preserve your business by providing a smooth transition of ownership and control.
Family-owned businesses are the backbone of the American economy. Yet many small-business owners make a costly mistake: They have no business continuation plan. This leaves the future of their businesses to chance.
An Overview of Some Sophisticated Estate Planning Strategies for individuals who are concerned about minimizing gift and estate taxes, and individuals who have specific goals such as transferring a business interest, providing for a favorite charity, or protecting assets from future creditors.
Please keep in mind that this presentation is intended only to give a general overview of some sophisticated planning strategies, and that these strategies are subject to various technical considerations. Some of them may or may not be appropriate in your particular situation, so you’ll need to consult your estate planning advisor to determine whether they are right for you.
Whether you're investing for your children's college education, investing for retirement, or you simply want to maintain your current and future standard of living, how you choose to invest your money can affect how well you are able to meet your financial goals.
While our nation faces serious issues right now, there are compelling reasons to consider investing today.
As the nation recovers from the Great Recession, something’s happening that should give investors hope.
BYD SWOT Analysis and In-Depth Insights 2024.pptxmikemetalprod
Indepth analysis of the BYD 2024
BYD (Build Your Dreams) is a Chinese automaker and battery manufacturer that has snowballed over the past two decades to become a significant player in electric vehicles and global clean energy technology.
This SWOT analysis examines BYD's strengths, weaknesses, opportunities, and threats as it competes in the fast-changing automotive and energy storage industries.
Founded in 1995 and headquartered in Shenzhen, BYD started as a battery company before expanding into automobiles in the early 2000s.
Initially manufacturing gasoline-powered vehicles, BYD focused on plug-in hybrid and fully electric vehicles, leveraging its expertise in battery technology.
Today, BYD is the world’s largest electric vehicle manufacturer, delivering over 1.2 million electric cars globally. The company also produces electric buses, trucks, forklifts, and rail transit.
On the energy side, BYD is a major supplier of rechargeable batteries for cell phones, laptops, electric vehicles, and energy storage systems.
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the what'sapp number of my personal pi merchant who i trade pi with.
Message: +12349014282 VIA Whatsapp.
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the what'sapp contact of my personal pi merchant to trade with.
+12349014282
Understanding how timely GST payments influence a lender's decision to approve loans, this topic explores the correlation between GST compliance and creditworthiness. It highlights how consistent GST payments can enhance a business's financial credibility, potentially leading to higher chances of loan approval.
1. Elemental Economics - Introduction to mining.pdfNeal Brewster
After this first you should: Understand the nature of mining; have an awareness of the industry’s boundaries, corporate structure and size; appreciation the complex motivations and objectives of the industries’ various participants; know how mineral reserves are defined and estimated, and how they evolve over time.
This presentation poster infographic delves into the multifaceted impacts of globalization through the lens of Nike, a prominent global brand. It explores how globalization has reshaped Nike's supply chain, marketing strategies, and cultural influence worldwide, examining both the benefits and challenges associated with its global expansion.
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where can I find a legit pi merchant onlineDOT TECH
Yes. This is very easy what you need is a recommendation from someone who has successfully traded pi coins before with a merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi network coins and resell them to Investors looking forward to hold thousands of pi coins before the open mainnet.
I will leave the what'sapp contact of my personal pi merchant to trade with
+12349014282
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how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the what'sapp number.
+12349014282
Yes of course, you can easily start mining pi network coin today and sell to legit pi vendors in the United States.
Here the what'sapp contact of my personal vendor.
+12349014282
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2. The Statistics…
1 in 5 U.S. residents has
some level of disability:
19% of U.S.
population
56.7 million Americans
5.2% of children ages 5
to 17 have some level of
disability
Source: U.S. Census Bureau
Reports, www.census.gov, accessed
February 2016
3. The Statistics…
1 in 68 American
children has an autism
spectrum disorder*
1 in 9 older Americans
has Alzheimer’s
disease**
*Source: Centers for Disease Control
and Prevention, Data and Statistics,
www.cdc.gov, accessed February 2016
**Source: Alzheimer's Association report,
2015 Alzheimer’s Disease Facts and
Figures
4. What Is Special Needs Planning?
Provides for an individual
with special needs, taking
into consideration the needs
of the family as well as the
individual
Plans can be made by the
individual and/or the loved
ones of the individual
Child of any age
Sibling
Spouse
Parent
Other relative or friend
5. Goals of Special Needs Planning
Balance your present and future needs with your loved one's
present and future needs
Create and implement personal care, financial, and legal
plans
Communicate such plans to all relevant persons
Review and revise plans as circumstances change
Assure family members that loved one’s needs have been
adequately addressed
6. Risks of Not Planning Ahead
Upon your death, certain
decisions will be made for
you:
Appointment of a
guardian and/or
a conservator
The state will determine
how much
of your estate your loved
one will inherit
The money might run out
7. Planning Steps
You need to:
Create and implement a
current personal care plan
for your loved one
Create a transition plan
for continued personal care
as circumstances change
Create and execute a legal
plan
Create and implement
a financial plan
8. Step 1: Create and Implement a
Personal Care Plan
Who will provide care?
You and/or other family
members or friends
Full- or part-time
professional
Where will your loved
one live?
At home, independently
With you or another
family member or friend
Assisted-living
arrangement
9. Step 1: Create and Implement a
Personal Care Plan
What care is needed?
Household chores and
other daily tasks
Washing and dressing
Preparing meals
Transportation
Medical
Safety/emergency plan
10. Step 2: Create a Transition Plan
Continuity of care and
supervision
Choosing alternate
people and services to
replace those in original
plan if needed
Anticipate and prepare for
future life events
Answer “what if” questions
What if you die
unexpectedly?
What if your loved one
becomes
unable to make his/her
own medical/financial
decisions?
11. Step 3: Create and Execute a Legal
Plan
Ensure that legal
precautions are in place:
Medical directives
Durable powers of
attorney
Your last will and
testament
Letter of intent or
instruction (not legally
binding)
Hire an attorney
An experienced estate
planning or special needs
planning attorney will help
coordinate your will with
other financial plans that
have been made or will be
made
12. Step 4: Create and Implement a
Financial Plan
Estimate the monthly cost
to care for your loved one
Project the cost over
your loved one’s
expected lifespan
Factor in inflation
13. Step 4: Create and Implement a
Financial Plan
Insurance
Health, disability, and long-term
care insurance that cover your
loved one
Life insurance
Your legacy
Last will and testament
Assets that pass by
beneficiary designation
14. Need to Preserve Government
Benefits
Some government
benefits are need-based
You may need to legally
protect some assets in
order to maintain
entitlement to public
benefits
15. Sources of Government Benefits
National organizations
Community aid
State aid
Federal aid
www.disability.gov
16. Federal Benefits: Not Based on
Financial Need
Medicare
Social Security
Disability Income
(SSDI)
Other benefits,
including special
education assistance
17. Federal Benefits: Need-based
Medicaid
Joint federal and state program that helps
with medical costs for some people with low
incomes and limited resources
Supplemental Social Security Income (SSI)
Provides monthly income to people age 65
or older, or who are blind or disabled, and
who have limited income and financial
resources
18. Special Needs Planning Techniques
Certain techniques are
permitted by federal and
state law to maximize
available resources
Government benefits are
available to all families
regardless of their means
Families can use their
personal resources to
provide for non-basic
needs
Family’s personal resources
serve as a secondary
source of support
19. Special or Supplemental Needs Trust
Special needs trust also
called supplemental
needs trust (SNT)
SNTs given “official” legal
status in 1993
Assets in a properly
drafted and administered
SNT will not be counted
as available assets
Trust disbursements will
not be counted as income
20. Types of SNTs
Self-settled or
first-party SNT
Pooled SNT
Third-party SNT
21. Self-Settled or First-Party SNT
Created for sole benefit of
disabled individual under
age 65
Created by parent,
grandparent, guardian, or
by the court
Cannot be created by the
disabled individual
Disabled individual can
fund the trust
22. Self-Settled or First-Party SNT
Avoids Medicaid and SSI “look-back” provisions
Assets in trust will not be countable as resources for
eligibility purposes
Upon the disabled individual's death, any money or
assets remaining in the trust must be used to
reimburse the government for Medicaid benefits
extended to the individual during his/her lifetime
23. Pooled SNT
Managed by a nonprofit organization
Funds are pooled for investment purposes
Subaccounts maintained for each disabled
beneficiary
Can be created by the disabled individual for
himself/herself
Pay back to Medicaid or help others in the pool,
depending on state law
24. Created by disabled person's parent or other
third party
No payback requirement
Creator of trust must not have a duty to support
the disabled person
Disabled person does not need to be under age
65
May or may not trigger Medicaid or SSI penalty
period
Third-Party SNT
25. ABLE Accounts
Tax-advantaged savings
vehicles similar to 529
college savings plans
Account funds will
generally not count toward
the personal asset limit for
Medicaid and SSI
Will be available to
individuals whose disability
began before age 26
Availablein 2016 or 2017
26. Conclusion
If you have a loved one
who is disabled or has
special needs:
Are you concerned
about his or her future
personal needs and
financial security?
Are you concerned
about meeting both
your loved one’s needs
and your own?
I would welcome the
opportunity to meet
individually with each of
you to address any
specific concerns or
questions that you may
have.
27. Disclaimer
IMPORTANT DISCLOSURES
D’Arcy Wealth Management, Inc. does not provide investment, tax, or legal advice. The information
presented here is not specific to any individual's personal circumstances.
To the extent that this material concerns tax matters, it is not intended or written to be used, and
cannot be used, by a taxpayer for the purpose of avoiding penalties that may be imposed by
law. Each taxpayer should seek independent advice from a tax professional based on his or
her individual circumstances.
These materials are provided for general information and educational purposes based upon publicly
available information from sources believed to be reliable—we cannot assure the accuracy or
completeness of these materials. The information in these materials may change at any time
and without notice.