The number of children in the United States younger than 18 who receive Special Education Services has grown tremendously, but many of these parents are still worried about providing a lifetime of care for their children.

A large percentage of these caregivers do not know how to set up a Trust to preserve these benefits. Many say there is too little information, and it is difficult to navigate.

Because of these difficulties, professionals specializing in this field have offered help. Elizabeth Hobson, a Special Needs Financial Advisor and Faculty of NBI, offer guidance through National Planning Seminars including "Finding Funds for Special Needs Families," "Transition and Trust Planning for High School," "Medicaid Crisis Planning and Trust Based Asset Planning."

Hobson, a Michigan native, knows first hand the challenges of raising a child with special needs.

"I noticed something was different about my son after three different pre-schools, trying to find the right fit. I saw how bright he was, and although most of his affections were held in, he truly wanted to connect with his friends and family. He was diagnosed with autism by kindergarten, and I made the choice to take time away from my doctoral program to help him succeed. After years of speech, physical, and occupational therapy, along with academic and social skills training, he is now taking honors courses, and has taught himself five instruments."

Hobson said most families are stuck in the middle: They do not qualify for income-based benefits, and medical care can be a toll for even the most affluent families. Most families are unaware of the benefits available, many of which are not based on income.

"We discuss financial programs from diagnosis through adulthood," Hobson said.

Topics included in each family's financial plan include Medicaid waivers, early intervention, IEP/504, private insurance, State insurance reimbursement, ABLE accounts, grants for special-needs private tuition, 529 plans, SSI, Trust planning, and Trust Management.

"My children are now 12, 14, and 16, and doing well, "Hobson said. "Early intervention services are not always covered by insurance, and when covered, there are typically large deductibles and co-insurance to be met. It is my goal for every family to access early intervention services and provide a lifetime of care. The greatest joy in our practice is seeing parents take a breath, enjoy their child, knowing their is a sustainable plan in place."