Introductionmother and child

Dear Parent,

When your child is diagnosed with a disability, it can be overwhelming—emotionally and financially—on you, and perhaps your child and family as well. You realize, maybe suddenly, that you must change or modify plans for your child’s future. Even the most stable of families face financial challenges. Yet, in caring for your child with special needs, those challenges can make for urgent situations. 

Considering the reality of this can be very difficult. That is why the Parent Advocacy Coalition for Educational Rights (PACER) Center and the National Endowment for Financial Education® (NEFE®) collaborated on this publication. Through it you will find ways to create a sense of order in your life and maintain control over your finances as you care for your child and prepare him or her for adulthood.

A Network of Parents and Organizations to Help You

Throughout this country exists a large network of parents of children with disabilities who stand ready to give you the benefit of their experiences in caring for their children. The Parent Technical Assistance Center Network (PTAC) is made up of 107 Parent Centers across the country to provide training, information, and assistance to families of children with all disabilities—ages birth to 26 years—and to the professionals who work with them. 

Funded by the U.S. Department of Education’s Office of Special Education Programs (OSEP), Parent Centers assist families in understanding their rights and responsibilities under the Individuals with Disabilities Education Act (IDEA). The majority of Parent Center staff members and board members are parents of children with disabilities. They are able to offer personal experiences, expertise, and empathy when working with families.

Structure of the Parent Technical Assistance Center (PTAC) Network

The ALLIANCE National Parent Technical Assistance Center (NPTAC) is located at PACER Center, Minneapolis, MN. NPTAC collaborates with six Regional Parent Technical Assistance Centers (RPTACs) in providing 107 Parent Centers across the country with technical assistance, resources, and timely information to help you:

  • Understand your child’s disability
  • Understand the Individuals with Disabilities Education Act (IDEA)
  • Resolve school-related issues
  • Obtain appropriate educational services• Improve academic outcomes
  • Connect your child with communities that provide important services

To find a Parent Center near you:
Call 1-888-248-0822 (Voice) or 1-952-838-0190 (TTY)
PACER Center, Inc.
8161 Normandale Blvd.
Bloomington, MN 55437

About This Publication

This publication was created for middle-income parents of children under the age of 18 who have disabilities. It is a simple, straightforward resource to help you manage your money, and plan for your and your child’s financial future and overall well-being. The financial management techniques presented here can help you, not just in times of crisis, but for the rest of your life. There is an overwhelming amount of information available on caring for children with disabilities. Making your way through it all consumes too much of your precious time. So we designed this publication to accomplish several things:

  • To be your starting point—to give you a broad outline of important issues you’ll deal with in caring for your child.
  • Provide you with basic knowledge of these issues.
  • Give you tools to create your own action plan.
  • Point you in the right direction to get more detailed information.

Woven throughout this publication are possible answers to a nagging question you probably wonder about, “Who will care for my child after I’m gone?” The answers are displayed in suggested actions to take so you can, ultimately, do the four things that matter most:

  • Protect your ability to make wise decisions as you care for your child and family.
  • Create an environment of financial well-being for you and your family.
  • Ensure continuation of your child’s important benefits and care for the rest of his or her life.
  • Through your own actions, demonstrate to your child how to be determined in accomplishing goals, and how to advocate for the best possible outcome in all endeavors. Developing your child’s self-determination and self-advocacy skills will help create a solid foundation for your child’s journey to adulthood and a life of happiness and fulfillment.

There is a lot of information in this publication. Use the navigation buttons to pick topics you need immediate help with. 

We invite you to begin.