Special Needs






The MassMutual Center for Special Needs PlanningSM was created to serve families that have dependents of any age, from infant to senior, with a disability. We are committed to helping families through the maze of legal and financial complexities surrounding planning for the future of dependents with special needs.

Our Special Needs Planners will work with you and a qualified attorney to ensure that the right financial strategies are in place.  You will be guided on how to see to it that your dependent with special needs remains eligible for government benefits without depleting assets.

The planning process begins with a complete review of your dependent's needs, future care plans, assessment of government benefit eligibility, and finally a review of your family's current financial and legal plans. 

Critical Issues That Must Be Addressed

  1. Protecting future government benefit eligibility for Supplemental Security
    Income (SSI) and Medicaid.
  2. Ways that a special needs trust can provide lifetime care while still preserving government benefit eligibility.
  3. Choice of trustee, guardian, conservator or client self-determination
    and advocacy training, if appropriate.
  4. Appropriate funding vehicles to fund a special needs trust, including life insurance. 


Our Special Needs Planners are available to present educational workshop titled which addresses all the issues listed above and is available to your organization, parent support group, school or business at no cost. Please contact Steve Odendahl, Planning Resource Facilitator,  at sodendahl@centenial-state.com for more information or to schedule a workshop.


Special Needs Calculator

This calculator can help you project the future expenses of an individual with special needs.
Start the Special Needs Calculator


MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) and its affiliated companies and sales representatives. Local sales agencies are not subsidiaries of MassMutual or its affiliated companies.

Securities and investment advisory services offered through qualified registered representatives of MML Investors Services, LLC. Members SIPC.

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