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When Disability Strikes!


Posted by Donna
May 07


Not all disabilities are of the type with which a baby is born. Many disabilities manifest themselves later in life. Alzheimer’s, Lupus, some forms of Muscular Dystrophy, Lou Gehrig’s Disease. Malignant forms of Rheumatory Arthritis, Hepatitis C, Chronic Renal Disease, Cardio Myopathies, Mental Illness, Cranial Injuries, and sadly, so on.

When disability strikes, knowledge is the best weapon.

You may have noticed while surfing our site, that 401kid has targeted the Special Needs Community. We serve these Special people’s educational needs with our financial search engine, and we go one step further. We help families save for the Quality of Life concerns that disability brings to a family’s loved one.

To protect family’s assets, due to the astronomical costs of medical care, careful financial planning needs to be done under the guidance of a Special Needs Trust Attorney. This is a legal specialty that requires the right attorney. There are many rules to these trusts, and the rules vary by state. Take the time to find the right attorney to produce an air-tight Trust, or you may wind up jeopardizing all of the family assets.

The only investment option that the IRS has given us to safely provide for the future of our now Special Needs person, and protect the asset structure of the family is through a Special Needs Trust. This is important because, in order that your loved one qualify for Medicaid, the disabled cannot own more than $2000 in assets.

A family can save for their disabled’s future, right here with 401kid. Just like in our Education Model, families, friends, and employers can be invited in to help save for the future Quality of Life of their loved one.

Our Special Needs webpages are compassionate and content rich. The disabled can be included in the same pages where you may now be saving for the Education Needs of your well-children. 401kid is an SEC Registered Advisor, who accepts no loads, fees’ or revenue sharing from anyone in the investment managment universe. Your Special Needs loved one, and your well children, will be served with the same unbiased, performance based “supermarket” of investment opportunities.

I hope today, that I have shed some light on a subject that no one likes to think about. It is one of those “NOT ME’s” we keep out of our psyche. But, it has happened in my family, and it can in yours.

Maybe, you know someone who can use this information. Please take the opportunity to perform the kindness of forwarding this to a friend.

(Insert email this to a friend link). Read more Special Needs content.

Passionately yours,
Donna LaMuraglia
Director of Special Needs Services

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Mar 16


While investigating Special Need Trusts for this Community, I made an appointment with a County Legal Aid Services attorney. While she was unable to help me with any SNT issues, this attorney recommend that she become Michael’s attorney because he is 18.

No, gratefully Mike is not in trouble!

She will represent Mike if SSDI does not approve Mike’s application!

She will write the documents that Mike and I will sign giving me (Mom) Power of Attorney for Mike’s Medical and Financial needs. I will receive Mike’s SSDI checks and help Mike budget and purchase appropriate things. I will be able to hospitalize Mike should he become manic. I will continue to be able to advocate on Michael’s behalf.

If the schooling from Mike’s current residential facility is not appropriate; Mike’s attorney will forward his file to the FREE County Legal Aid Special Education attorney.

Now, why don’t you go out and get your child a Legal Aid Attorney today?

Passionately yours,

anonymousmom@401kid.com

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Walking In Fear


Posted by anonymousmom
Feb 14


My mentally ill son Michael has “aged out” of his Residential Therapeutic Hospital.

The Residential unit was part of a psychiatric hospital. It was located in a separate wing from the other psych wards. This was a perfect accommodation. Should the child become acute, they transfer to the intensive juvenile psych unit, their bed is held in the residential facility, and when out of crisis, the child transfers back to the residential unit.

This was a “lock down” facility. “Structure” guides the day. The kids got up at 7:00 am, took meds, and ate meals with the general hospital population. There was morning group, chores, and a laundry schedule.

School ran from 9 to 3 and was located as part of the Hospital campus. The school was run by the County Board of Education and also took in children from the local community. These children had the same needs as the Residential kids; but did not require Residential supervision (or was that a funding issue????). Cigarettes and drugs could be purchased at School. The School was a Special Education facility and would accommodate each child according to ability, not age. The “sending” school district paid for school. Medicaid paid for the Residence.

After School the entire afternoon and evening was structured. There was group and individual therapy, more time for chores, some down time in your room, dinner, time in the gym or pool, maybe an Alcoholics Anonymous meeting or a Narcotics Meeting, television time, and more group.

The kids worked for privileges based on a point and level system. If the child showed up for structure and didn’t break the rules there were many rewards. They went on two overnight camping trips, horseback riding, movies in the local area, Great Adventure, day trips to the beach, they went out to dinner, out for ice-cream, order pizza or Chinese food in; especially on holidays for the children who did not leave on pass and had no visitors.

Every child had a School Therapist, a Residential Therapist, a floor Councilor, the same Psychiatrist and a Social Worker from outside the Hospital. My child’s psychotropic medication changes were made with the consultation of my own Psychiatrist.

Many kids were DYFS kids (Division of Youth and Family Services). These children came from highly dysfunctional homes. Sexual abuse, physical abuse, substance abuse, and gross neglect. Some were abandoned by their families because the family “gave up” and these kids had no visitors except for their DYFS case worker.

Some DYFS kids were abandoned to the State because the family lacked the advocacy skills to keep the child safe and “in the system”. Families are forced to make this decision all of the time. DYFS kids could only be visited by family under supervision/staff in the room.

DYFS patients were given a clothing allowance of $200.00 a month. Hygiene products were provided by the Residential Facility. Medicaid covered the Residential Program. On Holidays and Birthdays the children were given gift cards to purchase presents for themselves (usually electronics).

Other children were in the custody of their parents, like Mike. Mike could have visitors on Wednesday and Friday evenings. He could also leave on 12 hour passes; provided of course that he were on level. He could only be signed out by a short list of family members. He could only send and receive phone calls from this select group. I was advised to not take Mike home on overnights because that would prevent him from staying in supervised housing after aging-out of the current facility.

Two weeks prior to Mike’s 18th birthday he transferred to a Psychiatric Community Residence for 18 to 21 year olds who are coming out of institutions. He attends a Division of Human Services High School. This school accepts Special Needs persons with all disabilities. Mike says it is like a kindergarten babysitting service where he and his peers play cards all day. Mike’s IQ is 2 points higher than mine and needs a challenging environment that accommodates his particular learning differences. He has a Central Processing Disorder, ADHD, and an Auditory Transference difficulty. Mike hates school.

Here comes the fear. Being 18, Michael can sign himself out of the program. He can set himself up to fall through the cracks. Mike must apply to Social Security in person, to request Social Security Disability Income (about $700.00 a month) and to activate Medicaid.. If Michael does not continue his education, I cannot carry him on my personal insurance. In fact, Mike becomes uninsurable because of his pre-existing diagnosis/condition.

Mike has been living at the PCR for about a week. All of our phone calls require me to ask all of the questions, even when he initiates the call. The answers to my questions are yup, nope, good, nope, yup, yup. I know nothing except that he hates the place, feels he has more restrictions than the previous Institution, and is threatening to sign himself out if I don’t find him another placement; which is completely out of my hands.

Michael and I have had a long, loving, and difficult journey. He was the most beautiful, delightful, loving, funny little guy. As the cloud of Mental Illness set in his life and the lives of my family has forever changed. However I know that inside my boy, behind the mask of Mental Illness is my forever Michael. That is how I love him when he seems unlovable. That love brings me to visit with him every time he is eligible for visitors. That love allows me to forgive him for things that to outsiders might seem unforgivable.

I have been able to carry Mike up until now. At 18 our road will have many forks. The direction he travels now is his own choice. He is choosing his own destiny. It is time for me to let go. This is really, really hard.

Passionately yours,

anonymousmom

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Jan 17


401kid offers the Special Needs Community the best long-term care and education savings plan

The Invisbile Community

401kid.com has identified the Special Needs Community, as a group that has not received targeted education or long-term care savings advice. In our extensive research, we have found no Corporation or Financial Planner that takes on the specialty of savings advice for our Mentally Ill, Physically Disabled, Mentally Retarded, Emotionally Disturbed, and otherwise handicapped children.
Within our web site, your well-children can be served with your Special Needs child easily and with situation-specific advice. We know who we are. Can you believe that the IRS will publish who qualifies as a “Special Need Person? in “early 2006″

I am one of you. I have a child who is mentally ill with Bipolar disorder.

Since Mike’s diagnosis 4 years ago, Michael has had 9 psychiatric hospitalizations, one 9 week period at a “Therapeutic Wilderness Community.” Mike received weeks and weeks of full day and half day outpatient treatment. Four months in a Drug Rehabilitation facility. Weekly therapist visits when not hospitalized, and a Psychiatric visit every 3 months. Michael has lived at home for about 8 weeks within the last two years.

Since April 2005, Mike has lived in a Therapeutic Hospital Setting. He will turn 18 this February; and will age-out of his facility. Mike’s social worker is trying to place him in an “Independent Living” facility. Mike may have to live in Florida. I live in New Jersey. The most frightening part of this, to me as a parent, is that Michael can sign himself out of any facility, due to his age. Also, if Mike chooses not to continue his education, he will not be eligible under my Health Insurance Policy.

I spent about ten minutes Googling this afternoon and came up with these frightening statistics.

1. 50% of the Mentally Ill population has a substance abuse problem. This is frequently linked to the “Wellness Syndrome.? An individual gets on medication and feels well. They are “better.? Their symptoms reappear and they “self medicate?; often times leading to addiction. All of Mike’s 9 psychiatric hospitalizations were due to non-med compliance. The last two hospitalizations also involved drug addiction.

2. In 1950, there were 592,853 mentally ill in State or County mental institutions. In 1994, there were 71,619 patients in State and County mental institutions. The population grew enormously during this Baby Boomer time period and the hospitalizations went down. Where did all of these people go?

3.In 1999, an estimated 283,000 of the National prison population were mentally ill. One half of this population reported that they had 3 or 4 prior prison sentences. 75% of the 283,000 were in jail, on probation, or prison prior to the current sentence. Prison seems to be the default long-term care facility for these unfortunate people. 20% of mentally ill inmates were homeless before their current incarceration. 52% of the mentally ill prison population was convicted of violent crimes. How much of the prison population has non-diagnosed mental illness?

4.USA Today reported in an article dated 10/11/2005 that there were 727,304 homeless. 1/3 of the homeless population is diagnosed as mentally ill. What percentage of the homeless population is not diagnosed with mental illness? What % has some other handicap?

    To answer the question, “Where have all of the mentally ill gone?? Disgustingly, many are in jails and prisons, and living on the streets. They are guilty of being non-medicated or of having non-diagnosed mental illness. How many of them live behind closed doors where families try to keep them safe and out of site?These need not be the destinies of our children. We can provide for them so that they may live with dignity. Here at 401kid.com, we are passionate about future the Special Needs Community. I have written today about a slim portion of the Mentally Ill Community. There is also Autism, Down Syndrome, the Neurologically Impaired, Emotionally Disturbed, Muscular Dystrophy, Spinabifida, Cerebral Palsy, and the physically handicapped… to name but a few.We as a Community, are desperate for the tools and the strategy that the 401kid.com gives us to provide for the education, be it basic life skills or Harvard, and the long term care of these children with the best tax advantages available. The governing of investment options, and the availability of new investment options is a fluid market. By joining 401kid.com, we will keep track and advise you of your best saving alternatives on an ongoing basis. You can modify your savings model at any time. You can invite friends and family to contribute to your savings. All the while, seamlessly taking charge of the education savings for your well-children at the same time.

    I will post weekly to this site. I will tell you of my journey through the mental health system with my son. We will explore social security benefits your child may qualify for even though they may never have worked, or may never work. I will talk you through some of the variables to take into consideration when we save for our special children. I will discuss the well-children and their emotional needs as the ill child uses up all of Mom and Dad’s time, emotional energy, and financial resources. I will discuss the need for continuity in medical care. When it is time for us as parents to know when we have to “let go? and let our child proceed on their journey, in order that we preserve our own physical and mental health, and that of the rest of ore family. I will discuss the disparity in health insurance. We will look at the need for us to find and use a support group. I will address the subject of disability-etiquette.

    I invite this readership to tell me of their problems and successes. The hardships of finding State or County aid. I am particularly interested in success. So that this community can share among themselves the ways and means of finding help from outside agencies; to supplement our savings plans

    Remember Newton’s Third Law of Motion. For every action, there is an equal and opposite reaction. When I take action, I sleep better at night. Our children deserve our action, because they are each and every one, special. Spread the word.
    Until next time,
    Passionately yours’,
    anonymousmom@401kid.com

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