More than 5% of school-age children are diagnosed with a disability - difficulties with seeing, hearing, talking, walking or thinking. The burdens of caring for these children can be overwhelming, and require a lifetime of planning, financial and otherwise.

Besides health care, these children often need behavioral therapy, physical therapy and special schooling. And their families may need extra help in paying for this care - not just when the children are young, but as they grow into adulthood, and after the parents die.

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