LifeTrust Planning
Specialized planning for Henson Trusts & Disability Support.
Who Will Fight for Them When You're Gone?
For families with Special Needs children, standard estate planning isn’t enough. Ensure your child’s care, routine, and government benefits are protected—forever.
The Nightmare of a "Simple Will"
You’ve spent a lifetime advocating for your child. You’ve fought for IEPs, managed therapies, and built a routine that works.
But here is the hard truth: A standard inheritance could undo it all.
If you leave assets directly to a child with special needs, you could accidentally:
- Disqualify them from ODSP (Ontario Disability Support Program).
- Expose their inheritance to government clawbacks.
- Leave them vulnerable to financial predators.
The "standard" plan isn't just inadequate; it is dangerous.
Protection Without Penalty:
The Henson Trust
The Henson Trust
You don’t have to choose between leaving your child an inheritance and keeping their government benefits. You can do both.
We specialize in Absolute Discretionary Trusts (Henson Trusts). This powerful tool acts as a financial shield, allowing your child to benefit from the money you leave behind—for extras like therapy, travel, and clothing—without affecting their monthly disability support checks.
Government Floor + Your Ceiling
Maintain ODSP eligibility while providing supplementary lifestyle funds.
Passing Down More Than Just Assets
Your child’s quality of life isn’t just about money. It’s about the details only you know.
Who knows they need the lights dimmed at 7 PM?
Who knows how to calm them during a meltdown?
Who knows their favorite doctors?
The Letter of Intent
(or "Memorandum of Wishes")
As part of your Life Trust, we can help you draft a detailed roadmap for future guardians. We capture your knowledge, your routines, and your heart, ensuring the transition of care is as smooth as possible.
Go Into 2026 Knowing They Are Safe
The holidays are beautiful, but they can be overwhelming. Amidst the chaos, give yourself one moment of clarity. If something happens to you in January, do you have a plan in place right now?
"I was terrified that leaving money to my son would kick him off his support program. The team at Life Trust didn't just write a will; they built a Henson Trust that protects his future and keeps his benefits intact. I finally sleep at night."
You Are Their Voice. Make Sure It Lasts Forever.
Our team specializes in disability estate planning. We understand the nuances of ODSP and the emotional weight of these decisions.