Personal Finance | A financial plan for raising a child with special needs | City Press

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Personal Finance | A financial plan for raising a child with special needs: Find out how to ensure their future financial stability in case you die or become unable to earn a living for you both.

If your child remains financially dependent on you when they are an adult, you will need to consider this as part of your long-term financial plan.My son was diagnosed with high-functioning autism at the age of six, and it has an impact on his ability to navigate his day-to-day world.There are many families raising children with special needs and the level of challenges vary – some are physical, some are mental and, in other cases, both.

Being able to deduct our son’s school fees and medical costs from our taxable income made his special needs school more affordable. The salary and meals of a full-time caregiver, should you require one, which are fully tax deductible;The customs duty for an accessible vehicle, which is possibly refundable, should you need to purchase one. The refundable amount can vary between makes and models, so, when buying a car, do your homework as to the maximum rebate; and

In my son’s case, it made financial sense to stay on the plan we had and pay for his medication out of pocket rather than spend the extra money on a more expensive plan. Van der Merwe says a good option could be to require that the assets be used to purchase a life annuity that will pay out an income to your child for the rest of their life.

 

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