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Financial planning mistakes parents of special needschildren
should avoidUpdated: June 5, 2017 11:53 AM
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By Jitendra P S Solanki
Financial planning for the families of special needs
children is much different from traditional
planning. There are two generations involved – the
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Knowing that the child will outlive the parents, the planning
has to go beyond their lifetime. (Reuters imagefor representation
only)
Modi has worsened
some problems, so it is
right to criticise him,
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parent and the child. The financial plan for such
families is not only about house, marriage,
education, car etc. but also includes meeting lifetime
financial requirements of the special need child.
Knowing that the child will outlive the parents, the
planning has to go beyond their lifetime.
Even the retirement planning has two generations to
plan for – parents’ own living requirement and the
child expenses. Then there is estate plan which is
not only about Will or nomination, but creating a
structure which can continue meeting the child affairs in case
of any eventuality. That’s
where Guardianship, Trust, Power of Attorney, Letter of Intent
and other tools come in.
In fact, they are the major elements of their estate planning.
There are then social and
emotional aspects which are beyond numbers, but are part of the
planning.
Looking at the above aspects, having a proper plan is highly
important for families with
a special need dependent. Any mistake anywhere can jeopardize
the child’s future which
is too painful. However, lack of information and trained
advisers leads to families
committing mistakes.
Here are 6 mistakes which have been common among families and
which need to be
avoided for the child’s future:
1. Nominating Child: Most families in India make this mistake.
They nominate the
special need child in their financial assets such as bank
accounts, life insurance, etc. A
nominee is only a custodian and the actual succession happens
through a Will or the
Indian Succession Act. But giving proceeds to the child who may
not be in a situation to
take financial decisions will complicate matters for the future
caregivers and may
involve a lengthy legal procedure then.
2. Leaving Assets To An Individual: Families plan it to avoid
the trust structure.
Although it is an emotional decision, leaving assets to any
individual has many
drawbacks. What if the thinking changes receiving such large
assets? What if it suddenly
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brings the individual from a low tax slab to the highest tax
slab? What if the individual
run into financial mess and these assets too get attached? What
if he dies before the
child’s lifetime? All these questions are necessary to answer so
that the child’s future is
not left on God’s mercy.
3. Hiding Child Disability: This is fairly common and advised
wrongly too. Many agents
of life insurance or health insurance advise families to hide
child disability so that
he/she too gets covered in the insurance policy. But have you
ever thought what if the
company actually does not cover the disability at all? It will
lead to suppression of facts
forcing the company to reject any claim on that policy in the
future. Is that what you
wish? Then disclose the child disability and seek the right
insurance policy.
4. Leaving Estate Planning To Later years: A trust in India is a
simple structure, but
yes laws may not be so straight. Then there is cost associated
with a trust functioning
and we need trustees to run it. All these issues force families
to delay the estate planning
when they do not find answers to it. But it can be catastrophic
for the child’s future if
any eventuality arises and right tools are not in place. A trust
ensures that the child care
continues in case of any adverse scenario.
5. One Guardian for all matters: At times families choose one
individual for all the
matters related to the special need child care, i.e. One
Guardian for financial, legal and
personal care. But the guardian will have his own life with a
family to take care and
managing all affairs of the child means devoting a lot of time.
It may be difficult and the
individual may not be willing to do so. This work-life balance
may force him/her to deny
a few of the responsibilities. Hence it’s wiser that parents
give a deep thinking on how
different affairs related to child care will be managed and who
best can play that role.
Who are the professionals who can manage child specific affairs
like financial and legal
and how can member role be reduced so that he/she can focus on
child well-being.
6. Not opening up with your vision: Parents of special need
children families have to
open up with their planning for the child to the family members
who can provide
support. Mistakes occur when members come to know only at parent
death as to what
they have planned and so they are unable to provide enough
support for the child or
would have done but through incorrect means. Parents should
discuss with family
-
members what they are planning and how they are creating trust
which will ensure
child security. In such a situation, the members/relatives will
gift/bequeath financial
support to the trust, thus ensuring the utilization of their
support for child care. The
other aspect is for a guardian or future caregiver. He/she may
not be knowing about
child as much as parent do. Then unless the parents pen down a
letter of intent, it will
always be a gray area for them.
There may be other issues to address, but above are primary ones
where many families
make mistakes. The best means to avoid them is to do a
comprehensive planning which
aware parents on those issues which matter most to their child
well-being.
(The author is CFP & Planner For Special Needs Member
Families)
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