(StatePoint) Según la Oficina del Censo de los EE.UU., más de uno de cada cuatro estadounidenses viven con una discapacidad y aproximadamente la mitad de estas personas lo hacen con una discapacidad grave.
Ya sea que estén presentes al nacer o sean causadas por un accidente o enfermedad que altere la vida, las discapacidades graves casi siempre crean una carga financiera significativa debido a la reducción de la capacidad de obtener ingresos y de los gastos continuos. Ahà es donde un fideicomiso especializado o una cuenta de ahorros pueden ayudar tanto a la persona con necesidades especiales como a sus familias.
kAm!2C2 9@?C2C 6= |6D 56= ~C8F==@ 56 =2 s:D42A24:525 6DE6 >6D 56 ;F=:@[ (6==D u2C8@ 4@>A2CE6 :?7@C>24:ó? D@3C6 u:56:4@>:D@D A2C2 }646D:5256D tDA64:2=6D W$}%X J =2D 4F6?E2D A2C2 {@8C2C F?2 |6;@C tIA6C:6?4:2 56 ':52 Wpq{tX 2 7:? 56 2JF52C 2 =2D A6CD@?2D J 72>:=:2D 2 4@>AC6?56C DFD @A4:@?6D]k^Am
kAmkDEC@?8m¿"Fé D@? =@D 7:56:4@>:D@D A2C2 ?646D:5256D 6DA64:2=6Dnk^DEC@?8m {@D $}% D@? 7:56:4@>:D@D :CC6G@423=6D C6524E25@D A@C F? 23@825@] $6 FE:=:K2? A2C2 C6D6CG2C 5:?6C@ @ 3:6?6D 56DE:?25@D 2 4F3C:C =2D ?646D:5256D 56 A6CD@?2D BF6 G:G6? 4@? 5:D42A24:5256D 7ÃD:42D[ >6?E2=6D @ 56= 56D2CC@==@[ BF6 AF656? ?@ E6?6C =2 42A24:525 =682= ?646D2C:2 A2C2 25>:?:DEC2C DFD 24E:G@D J ==6G2C C68:DEC@D 56E2==25@D]k^Am
kAmkDEC@?8m¿ró>@ D6 7:?2?4:2? =@D $}%nk^DEC@?8m {@D 5@D E:A@D 56 $}% 56A6?56? 56 =2 7F6?E6 56 7:?2?4:24:ó?ik^Am
kAm• {@D $}% 56 AC:>6C2 A2CE6 D6 7:?2?4:2? 4@? 5:?6C@ BF6 A@D66 6= 36?67:4:2C:@[ @ BF6 D6 =6 2D:8?2 4@>@ 4@>A6?D24:ó? A@C ?68=:86?4:2 >é5:42[ =6D:@?6D A6CD@?2=6D F @EC@ E:A@ 56 24F6C5@ =682=] !@C =@ 86?6C2=[ =@D 4C62? =@D A25C6D[ =@D 23F6=@D @ 6= EFE@C =682= 56= 36?67:4:2C:@[ @ 3:6? F? EC:3F?2=[ J D@? A2C2 36?67:4:2C:@D >6?@C6D 56 ed 2ñ@D] rF2?5@ 6= 7:56:4@>:D@ E6C>:?2[ |65:42:5 E:6?6 56C649@ 2= C66>3@=D@ 56 4F2=6DBF:6C2 7@?5@D 82DE25@D 6? 6= 36?67:4:2C:@]k^Am
kAm• {@D $}% 56 E6C46C@D AF656 6DE23=646C=@D 6? 4F2=BF:6C >@>6?E@ 2=8F:6? BF6 56D66 >2?E6?6C 2 F? >6?@C @ 25F=E@ 4@? ?646D:5256D 6DA64:2=6D[ :?4=FD@ 4@>@ A2CE6 56 F? A=2? 56 DF46D:ó?] p 5:76C6?4:2 56 =@D 7:56:4@>:D@D AC@A:@D[ AF656 4C62C=@D 4F2=BF:6C A6CD@?2 J ?@ 92J C6DEC:44:ó? 56 6525 A2C2 6= 36?67:4:2C:@] {@D EéC>:?@D AF656? >@5:7:42CD6 J ?@ 92J ?:?8ú? C6BF:D:E@ 56 C66>3@=D@ 2 =@D AC@8C2>2D 8F36C?2>6?E2=6D] $: 3:6? D@? G6?E2;@D@D[ DF 4@>A=6;:525 2 >6?F5@ 6I:86 2D:DE6?4:2 AC@76D:@?2=]k^Am
kAmkDEC@?8m¿rFá=6D D@? =@D 36?67:4:@D 56 =@D $}%nk^DEC@?8m &? $}% AF656 2JF52C=6 2 FDE65 @ 2 F? D6C BF6C:5@ 2ik^Am
kAm`] $2E:D7246C =2D ?646D:5256D 24EF2=6D 56 7=F;@ 56 6764E:G@ J A=2?:7:42C A2C2 6= 7FEFC@]k^Am
kAma] !C6D6CG2C =2 6=68:3:=:525 A2C2 =@D 36?67:4:@D 8F36C?2>6?E2=6D] {2D A6CD@?2D BF6 G:G6? 4@? 5:D42A24:5256D AF656? 56;2C 56 D6C 6=68:3=6D A2C2 C64:3:C 36?67:4:@D 6DE2E2=6D J 7656C2=6D D: DFD :?8C6D@D J C64FCD@D DFA6C2? 56E6C>:?25@D F>3C2=6D] $68ú? =2D =6J6D J C68F=24:@?6D 7656C2=6D[ F? $}% 2JF52 2 82C2?E:K2C BF6 F? 36?67:4:2C:@ D:82 D:6?5@ 6=68:3=6 A2C2 6DE@D AC@8C2>2D]k^Am
kAmb] |6;@C2C =2 42=:525 56 G:52 2A@CE2?5@ 2A@J@ 7:?2?4:6C@ A2C2 24E:G:5256D J D6CG:4:@D ?@ 4F3:6CE@D 2564F252>6?E6 A@C =@D AC@8C2>2D Aú3=:4@D 56 36?67:4:@D] p56>áD 56 =@D 82DE@D >é5:4@D[ 56?E2=6D J 56 4F:525@ 56 =2 G:DE2[ =2D 4@>AC2D 2AC@A:252D AF656? :?4=F:C F? G69Ã4F=@ 2446D:3=6[ 6BF:A@ >é5:4@[ 4@>AFE25@C2[ >6>3C6DÃ2 56 8:>?2D:@D[ 2?:>2=6D 56 E6C2A:2[ =644:@?6D 56 >úD:42[ D6CG:4:@D 56 4F:525@ DFA=6>6?E2C:@D 6 :?4=FD@ 6?EC6E6?:>:6?E@ J G:2;6D] t= @3;6E:G@ 6D 2F>6?E2C =2 42A24:525 56= 36?67:4:2C:@ A2C2 5:D7CFE2C 56 =2 G:52 J A2CE:4:A2C 6? DF 4@>F?:525]k^Am
kAmkDEC@?8m¿tD F? $}% F?2 3F6?2 @A4:ó? A2C2 >: 72>:=:2nk^DEC@?8m ¿%:6?6 F? 9:;@ 25F=E@ BF6 G:G6 4@? F?2 5:D42A24:525 J BF6 ?646D:E2Cá 2E6?4:ó? >áD 2==á 56 DF G:52n ¿tDEá C64:3:6?5@ F?2 =:BF:524:ó? A@C =6D:@?6D A6CD@?2=6Dn ¿}646D:E2 AC@E686C DF 6=68:3:=:525 A2C2 =@D 36?67:4:@D Aú3=:4@Dn ¿tDEá A=2?E6á?5@D6 9246C 5:DA@D:4:@?6D A2C2 F? D6C BF6C:5@ 6? DF A=2? A2EC:>@?:2=n t? E2= 42D@[ F? $}% AF656 D6C F?2 3F6?2 @A4:ó?] !2C2 @3E6?6C >áD :?7@C>24:ó? D@3C6 4ó>@ 6DE23=646C F? 7:56:4@>:D@ A2C2 ?646D:5256D 6DA64:2=6D[ G:D:E6 k2 9C67lQ9EEADi^^HHH]H6==D72C8@]4@>^E96\AC:G2E6\32?<^D@=FE:@?D^DA64:2=:K65^DA64:2=\?665D\ECFDE\D6CG:46D^Q C6=lQ?@7@==@HQmH6==D72C8@]4@>^E96\AC:G2E6\32?<^D@=FE:@?D^DA64:2=:K65^DA64:2=\?665D\ECFDE\D6CG:46D^k^2m]k^Am
kAmkDEC@?8m¿"Fé D@? =2D 4F6?E2D pq{tnk^DEC@?8m {2D 4F6?E2D pq{t D@? F? E:A@ 56 4F6?E2D 56 29@CC@ 4@? G6?E2;2D 7:D42=6D A2C2 A6CD@?2D 4@? 5:D42A24:5256D J DFD 72>:=:2D[ BF6 23C6? J >2?E:6?6? 6= 36?67:4:2C:@[ F? A25C6[ F? EFE@C @ F? 286?E6 56D:8?25@]k^Am
kAmkDEC@?8m¿ró>@ D6 4@>A2C2? =2D 4F6?E2D pq{t 4@? =@D $}%nk^DEC@?8m r@>A2C252 4@? F? $}%[ 6= 4@DE@ 56 6DE23=646C J >2?E6?6C F?2 4F6?E2 pq{t 6D C6=2E:G2>6?E6 A6BF6ñ@] *[ 2 5:76C6?4:2 56 =@D $}%[ =@D 7@?5@D D6 AF656? FD2C A2C2 G:G:6?52 J 2=:>6?E@D D:? F?2 C65F44:ó? 56= 2A@J@ 6? 6DA64:6 J >2?E6?:>:6?E@ 56 =@D :?8C6D@D 56= $68FC@ $@4:2=] $:? 6>32C8@[ =2D 4F6?E2D pq{t E:6?6? F? C6BF:D:E@ 56 C66>3@=D@ 56 |65:42:5] s63:5@ 2 DFD 36?67:4:@D 4@>A=6>6?E2C:@D[ 6D E2?E@ A6C>:D:3=6 4@>@[ 6? 2=8F?@D 42D@D[ 56D623=6 E6?6C 6DE23=64:5@D F?2 4F6?E2 pq{t J F? $}%] tDE2 4@>3:?24:ó? AF656 52C=6 7=6I:3:=:525 2 =2 72>:=:2 J 6= >2J@C 36?67:4:@ A@D:3=6 2 =2 A6CD@?2 5:D42A24:E252]k^Am
kAmrF:52C 2 2=8F:6? BF6 G:G6 4@? F?2 5:D42A24:525 AF656 D6C F? 56D27Ã@[ 6DA64:2=>6?E6 4F2?5@ D6 EC2E2 56 25>:?:DEC2C =@D 24E:G@D] p7@CEF?252>6?E6[ 6I:DE6? 96CC2>:6?E2D 7:?2?4:6C2D A2C2 2JF52C 2 BF6 AC@DA6C6? =2D A6CD@?2D BF6 G:G6? 4@? 5:D42A24:5256D J DFD 72>:=:2D]k^Am
kAm!9@E@ rC65:Ei W4X >@?<6J3FD:?6DD:>286D ^ :$E@4< G:2 v6EEJ x>286D !=FDk^Am
kAmk:>8 DC4lQ9EEADi^^7665D]DE2E6A@:?E]?6E^E@H??6HD^A=246>6?E]2D9InEl4U2>Aj:5l`_chfU2>Aj=l6D\|)U2>AjCl`fa_chgb`ged`]`dQ ^mk^Am