As parents, we worry about our children: a truism that becomes
even more true, and often extends to siblings, grandparents, aunts
and uncles, when a child has special needs. We worry about what
will happen to the special-needs individual, how they will care for
themself and be cared for, and how we should plan for their future
and leave them funds for their support and care, or just for a
rainy day, without jeopardizing their independence or sources of
government support. And when we look for information, online or
from professionals, sometimes we end up not only worried, but also
confused. And this can lead to paralysis and lack of planning.
Often the confusion arises from not understanding how the
various available sources of assistance and planning tools apply.
Ontario Disability Support Program ("ODSP") benefits,
Henson trusts, disability tax credits, qualified disability
trusts--these things can be difficult to understand, and more
difficult to fit together in an
