MassMutual Offers Free 'Letter of Intent' Template to People with Disabilities and Their Families, ... (for all families with members having a d...)

MassMutual Offers Free 'Letter of Intent' Template to People with Disabilities and Their Families, Caregivers

Date:4/1/2008

for all families with members having a disability, a Letter of Intent is particularly important in the case of children who are incapable of expressing their own needs and wants to caregivers and others, as is the case, for example, with many children with autism.

"The Letter of Intent can help ensure parental intentions and desires are clear to any and all caregivers -- even in the event of a parent's sudden disability or premature death," said Joanne Gruszkos, director of the SpecialCare(SM) program at MassMutual, a coordinated program that provides access to information, specialists and financial products and services that can help improve the quality of life for people with disabilities and other special needs and their families. "Often, families understandably become so focused on day-to-day needs that they lose sight of the larger life-care issues and the costs that loom ahead. A Letter of Intent can help focus the family on the future."

Although not legally binding, a Letter of Intent offers guidance to the courts and trustees for interpreting care instructions and typically includes emergency contacts, medical history, preferred living arrangements, education or work arrangements, recreational preferences, behavioral challenges, and a summary of family and financial information.

The LOI is a good life planning document for parents/caregivers to share with their team of advisors who can use it as a guide in drawing up plans, wills, trusts, and other documents. An advisory team may consist of an attorney, CPA and others, such as social workers and caregivers and a Special Care Planner or financial professional. A Special Care Planner has received advanced training in estate and tax planning concepts, special needs trusts, government programs, and the emotional dynamics of working with people with disabilities and other special needs and their families. The Special Care Planner certificate program is offered by The American College in Bryn
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MassMutual Offers Free 'Letter of Intent' Template to People with Disabilities and Their Families, ...(for all families with members having a d...),Health