Over the years, Ed Carter has worked with clients of all ages, backgrounds and incomes. About 10 years into his career, he saw a need for financial planners who specialize in helping individuals and families living with disabilities. Regardless of their nature or how long they’ve affected someone, physical and mental disabilities often cause stress and confusion when it comes to financial planning. Many people are unaware of just how many options they have when it comes to financial assistance and planning, so Ed created AbleFutures.org to help people with disabilities prepare for a secure and stable financial future. Read the blog below to learn about money saving tips for individuals with disabilities!

Saving money for your future needs can be a stressful undertaking, but it’s absolutely necessary to think about what those needs will be and start planning as soon as possible. For individuals with disabilities, it’s a way to gain peace of mind while ensuring that their loved ones will both be well taken care of and have all the information and resources necessary should they become seriously ill or need long-term care.


The key to financial planning is to work methodically so that nothing gets overlooked. There are many details to consider when it comes to making sure your future needs are taken care of. Think about your current health status, how accessible your home is, and the possibility that you might need money to pay for medical bills or hospital stays down the road. Talk to your loved ones, as well, as they will be an integral part of preparing for your future. Keep reading for tips on how to plan for the future when you’re living with a disability.


Consider Final Expense Insurance

Final expense insurance can help your loved ones cover the cost of your funeral or other final arrangements, and it’s also helpful when medical bills are left behind. Not every policy is the same, so it’s important to do some research and figure out what the best one for your needs is. Talk to your loved ones so they are on the same page about how to cover any costs associated with your last wishes, such as a memorial. 

Know the Rules

There are many rules and regulations surrounding disability insurance, including the total limit of income allowed to receive it on a regular basis. Some things count as income that aren’t the result of a job, as well, such as having money bequeathed to you in a loved one’s will. It’s important to know all the rules surrounding your disability insurance so you won’t be caught completely off guard down the road.

Think About Your Home

Even if your home works for you now — and even if you are in good health or have good mobility — you may have very different needs in the future. Talk to your doctor about what changes may take place in the future in regard to your health or physical needs, and then take a look at your home and how it works for you. If there are stairs, many rooms to clean, or a large yard to take care of, it may benefit you to consider downsizing now. Not only will this help you stay safe no matter what your health conditions are, but it will also help you save money. 

Take Care

Taking good care of yourself now is one of the best ways there is to ensure that you won’t need long-term care later on. Consult with your doctor about your current needs and find out how you can ensure that your mental and physical health remain in good shape. This might include changing your diet, exercising every day, or quitting a bad habit like smoking.

Saving money and preparing for the future can be overwhelming tasks if you aren’t ready for the challenge. Start slowly, ask for help when you need it, and think about what the next five years will bring when it comes to your health. By planning in advance, you can ensure that your family and loved ones aren’t left scrambling to try and cover costs associated with your care or last wishes, which will give you peace of mind now.

If you would like to learn more tips for individuals with disabilities and specifically autism, visit acuitybehaviorsolutions.com or call (714) 696-2862 to learn more!

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