Unfortunately, too many trustees of special needs trusts or those who oversee funds for people with special needs don't even know that they have a duty to account for the funds they manage, let alone perform that duty correctly.

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While long-term disability policies represent an opportunity for a worker with disabilities to provide for her family, they don't always operate as expected.

Choosing a trustee is one of the most important and difficult issues in creating a special needs trust. Here are some suggestions.