The Special Needs Life Insurance Protection Workbook: Policy Audit, Coverage Calculator, and Family Coordination Plan

A 21-page printable workbook for families navigating life insurance decisions when a child's dependency is permanent. Covers three areas standard life insurance resources ignore: auditing existing policies to verify beneficiary designations coordinate with a special needs trust, calculating coverage using variables unique to special needs families (caregiver career sacrifice, lifetime care costs, inflation over decades of trust funding), and coordinating with extended family members to prevent accidental benefit disqualification through direct inheritances, cash gifts, and outdated beneficiary designations. Includes a complete letter of intent template for documenting daily care routines, medical information, behavioral needs, and residential preferences. Designed for parents, caregivers, estate planning attorneys, financial planners, and disability advocates. No email required. Free to share, print, and distribute with branding intact. Companion article: https://memorialmerits.com/life-insurance-special-needs-families-coverage-strategy/