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Is a special needs child the beneficiary to your life insurance?

If so, you risk denying your child access to government benefits and programs he or she needs in order to thrive after you pass away. The government could reduce or deny benefits to a special needs child who owns more than $2,000 in assets for a significant period. Instead, you should make a special needs trust the beneficiary of the policy and name your child as the beneficiary of the trust.

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