Special Needs Planning

Planning for a loved one with special needs means balancing care, independence, and long-term security. At F&T Insurance Agency, we help families across Massachusetts, Rhode Island, Connecticut, and New York navigate those decisions with special needs planning that’s thoughtful, clear, and built to last.

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Protect Their Future

Planning That Goes Beyond Paperwork

From guardians in Westport MA to caregivers in Albany and beyond, we guide families through special needs planning for clarity, trust, and long-term peace of mind.

Special Needs Trust Guidance

We help you understand, establish, and fund special needs trusts to preserve eligibility for government benefits while providing supplemental support.

Life Insurance Planning

We offer disability planning to include life insurance structured for long-term care, education, and daily expenses—without affecting SSI or Medicaid.

Comprehensive Financial Strategy

Our financial planning for special needs combine insurance, trust coordination, and future expense forecasting in a single, supportive approach.

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Top Questions from Families We Serve

  • What is a special needs trust?

    It’s a legal tool that allows you to provide financial resources for a person with a disability without jeopardizing their public benefits. We help with structure and funding.

  • Why include life insurance in special needs planning?

    It provides a predictable way to fund a trust and care needs after your death—ensuring your loved one’s future is secure and supported.


  • How is this different from a standard estate plan?

    Standard plans don’t account for benefit eligibility. Special needs planning requires precision and awareness of disability-related financial rules.

  • Can I make changes later?

    Yes. Trusts and plans can often be updated as circumstances evolve. We’ll help you revisit your strategy as needed.

  • How do I find affordable special needs planning options?

    We provide affordable special needs planning MA families can access without pressure—backed by flexible, personalized service.

Here to Help, Always

Let’s Plan with Care

At F&T Insurance Agency, we don’t take this responsibility lightly. We listen, we explain, and we walk with you—step by step—through the most personal decisions your family may ever face. It’s more than coverage. It’s commitment.

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