[LWJ]

I have a child that is disabled. Navigating the red-tape you describe is beyond ridiculous. My very intelligent wife has spend around a couple hundred hours and still we are confused.

You are correct. It is a broken system and nobody seems to have a complete understanding. I have no words of comfort for you but I do empathize.


I may have some advice: the only beacon of hope we have to make sense of this is a financial planner who specializes in planning for families that have a disabled person. He had a strong grasp of at least a portion of this. Can you find someone who is in the business of working with people in your situation? Please do NOT search for low-level social services. They are the worst in my experience. Look for someone that is in the "business" of doing this.

I know that my office (commercial insurance) refers all our individual cases to one agent who seems to be very competent Can you find an individual agent?