Access Compass guide
Legal & financial planning for families of disabled children
How to protect your child's financial future through wills, trusts, guardianship and managing benefits.
Published by Access Compass · How we research and check guides
Who it's for: Parents & carers
✓ Verified Last checked 7 Jul 2026. Always confirm details with the service before relying on them.
Step by step
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Make a will
Ensure your assets go where you intend and appoint guardians for your children. A solicitor can help you include special provisions for disabled beneficiaries.
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Consider a discretionary trust
A trust can provide for your child without affecting means-tested benefits. Choose trusted trustees and write a letter of wishes explaining how funds should be used.
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Set up Powers of Attorney or deputyship
If your young person has capacity at 18, they can make a Lasting Power of Attorney to allow trusted people to manage finances. If they lack capacity, you may need to apply to the Court of Protection for deputyship.
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Plan for long-term care costs
Review insurance policies, pensions and savings. Speak to an independent financial adviser with expertise in disability planning.
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Review regularly
Life changes such as marriage, divorce or a new diagnosis can affect your plans. Update your will and trust documents as needed.