For parents of a loved one with special needs there is a poignant realization that there may come a time, through sickness, disability or death, when you will not be able to provide care for them. For this reason, many families choose to go through the SpecialCare(sm) program, an exclusive program of Massachusetts Mutual Life Insurance Company (MassMutual) to help secure the future of loved ones with special needs.

MassMutual's SpecialCare(sm) Program Can Help You
  • Find information and contacts related to health care issues
  • Learn more about earning and supplementing an income
  • Know how to create a safe and accessible living environment
  • Find the special equipment you may need
  • Obtain educational assistance
  • Enhance Personal independence
  • Improve the quality of life for you and your family and the disabled person you care for-- now and when you are no longer able to provide care

Planning and Products to Help Ease Your Worries

Life Insurance: The death benefit proceeds can be used to provide funds to care for the person with a disability or other special needs after your death.

Long-term Care Insurance: If an accident or health matter results in you or your spouse needing long-term health care, this policy may help ensure your expenses are covered with minimal (if any) impact on your special needs person.

Disability Income Insurance: The benefit from this policy helps pay for daily living expenses if you are injured and can't work. If you are self-employed, it can be an especially valuable policy to purchase.

Trusts: Many different kinds of trusts are available. Some can be changed after you establish them; others cannot. Some provide financial support to your beneficiaries after your death. All trusts help ensure that your wishes for your loved one are carried out. Trusts can be funded in many ways, such as with personal assets, life insurance policies, or settlements from malpractice or personal injury suits.

Free Resources Available to Parents and Organization

  • Making Plans, a financial guide for people with Down syndrome and their families
  • Resource Guide, the source of information published by MassMutual for people with disabilities and other special needs
  • With Open Arms, a financial guide for families with disabilities
  • Letter of Intent CD
  • Information on local programs and resources

©2008 Faulkner Financial, All Rights Reserved. Design by Markations
Gwen Faulkner is a registered representative of and offers securities through MML Investors Services, Inc., Member SIPC. Supervisory Office: 2 Bala Plaza Suite 901 Bala Cynwyd PA 19004-1601 (610) 660-9922. Insurance offered through Massachusetts Mutual Life Insurance Company (MassMutual) and other fine companies. Faulkner Financial, LLC is not a subsidiary of MML Investors Services, Inc. or MassMutual. CRN201101-110122