A child’s 18th birthday is usually celebrated as a milestone toward independence, but for families raising a child with disabilities, it can also trigger major financial and legal changes. Benefits that once depended partly on the parents’ finances may suddenly be evaluated differently, while parents can lose their automatic authority to handle important matters. Savings, inheritances and even well-intentioned gifts can also create unexpected complications. That is why disability financial planning deserves attention before the candles are blown out.
