What does peace of mind look like for a parent raising a child with Down syndrome? For many Indiana families, it means having a clear legal and financial plan in place that supports their child now and into the future. October is Down Syndrome Awareness Month, and it is an important time to reflect on how special needs planning can make a lasting difference for families.

Raising a child with Down syndrome often comes with additional caregiving responsibilities, medical costs, and long term support considerations. While these challenges are deeply personal, they also require practical and legal solutions. Special needs planning is about creating a foundation that helps protect your loved one’s eligibility for public benefits while ensuring that their unique needs are met through thoughtful planning.

A common starting point for many families is establishing a supplemental needs trust. This type of trust agreement allows parents or loved ones to set aside funds for the benefit of a child with a disability without jeopardizing access to essential programs such as Medicaid or Supplemental Security Income. The trust can help cover costs that public benefits do not, including education, therapy, transportation, or recreational activities that enhance quality of life.

Durable powers of attorney and health care planning tools also play an important role, particularly as a child with Down syndrome becomes an adult. In some cases, guardianship or supported decision making arrangements may be appropriate. Every family’s needs are different, which is why it is critical to work with an experienced legal team that understands the nuances of special needs planning here in Indiana.

Planning is not about limiting opportunities. It is about creating them. By taking time to develop a strong legal plan, families can feel confident that their loved one will be protected and supported no matter what the future holds.

We know this article may raise more questions than it answers. Our team at VanderVeen Elder and Special Needs Law is dedicated to helping Indiana families create personalized and effective special needs plans. If you have questions or are ready to get started, contact us today. We are here to support you and your family every step of the way.