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Planning for a lifetime of care

We could all use a little bit of help planning for the future — but when you or your loved one has a disability, knowing where to start can be one of the biggest challenges.

However, you’re not alone. Voya Cares offers resources to help with financial planning for people with disabilities, as well as support and guidance on areas affecting you today and tomorrow.

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Voya Cares® resources for America’s new retirement reality

Sandwich caregivers and career extenders are two specific groups of Americans dealing with unique challenges when planning for their own retirement and other financial goals. Access our new resources designed to help.

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Individual Resources and Materials

External resources

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Voya Cares about caregivers

Half of caregivers say responsibilities impact ability to save for retirement

ABLE Age Adjustment Act

Employment Extenders Personas

Employment Extenders fall into one of four personas
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IRAs for Career Extenders and Sandwich Caregivers

Both Career Extenders and Sandwich Caregivers may need ways to build additional savings for retirement.

Healthcare coverage options: private vs. public programs

Healthcare coverage decisions are central to retirement planning: Know your options
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America’s new retirement reality

COVID and demographic trends foreshadow challenges to a financially secure retirement
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Financial Wellness Guide for individuals with disabilities

A guide created by Voya Cares and NDSS for individuals with disabilities, their families and caregivers
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Who can benefit from opening an ABLE account?

ABLE accounts can be a difference maker for parents and individuals with disabilities.
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ABLE accounts at a glance

Quick guide on who is a fit for ABLE and what are people using their ABLE accounts for.
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Add an HSA to a financial plan for the disabilities community

Learn how to use an HSA within your financial plan, especially if you’re a caregiver for a person with a disability
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Planning for life’s milestones for people with disabilities

Prepare well, live better
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How to talk to your family about your special needs trust (SNT)

Communication with family after setting up a special needs trust (SNT) makes a big difference.
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Questions to ask your special needs attorney

Be prepared by asking the right questions.
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Setting up a special needs trust (SNT)

Ten steps to setting up and making the most of a special needs trust.
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Types of special needs trusts (SNTs)

Learn more about the three main types of special needs trusts and ABLE accounts.
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Beneficiaries with disabilities

What you need to know
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Divorce and financial planning for individuals with disabilities

Making sure the future of your child with disabilities remains secure
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Giving your children everything you envision

Financial planning for your loved one with a disability
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Welcoming the birth of your child with a disability

It’s never too early to start planning a lifetime of continuous care for the one you love
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Transitioning into adulthood

When your child with special needs becomes a legally recognized adult — it’s a major life transition.
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Care now, care later

Preparing for your child’s life without you
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Preparing for a lifetime of education

Starting school is a big event, but with a bit of planning you can facilitate a smooth transition
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Transitioning from a teen to young adulthood

The transition from high school to young adulthood is significant for all teens. You can help smooth the transition with
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Enriching your loved one’s future

A special needs trust can help provide for a better quality of life for your loved one with disabilities
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Specialized planning for a lifetime of care

Start with these Voya Cares resources for planning if you are a caregiver or have a disability
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Special considerations for beneficiary designations

Naming a loved one with disabilities as a beneficiary could have unintended impacts on eligibility for certain benefits

Roadmap to government benefits

Voya Cares guide to government benefits for financial planning for people with disabilities and caregivers
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Key financial planning considerations for people with disabilities

Seeing the big picture and navigating government benefits

Use an ABLE account for Qualified Disability Expenses (QDEs)

Learn how to use an ABLE account for disability-related expenses like food, housing, transportation and more.
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Add an ABLE account to a disabilities financial plan

Learn about ABLE accounts and why you may want to add one to your financial plans
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Ways to fill the financial gaps for people with disabilities

Growing costs and complex benefits for caregiving require planning and knowing your resources
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Alternatives to a 401(k) hardship withdrawal

You just received an enormous medical bill, signed your child up for an essential therapy your insurance doesn’t cover,
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Avoid a 401(k) Hardship Withdrawal.

I need emergency funds, what are my options?
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Understand a 401(k) hardship withdrawal

Hardship withdrawals can be a way to access funds in an emergency, but there are drawbacks
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Laying the foundation with government benefits

Creating a solid financial plan for people with disabilities starts with understanding government benefits
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Planning a lifetime of continuous care with a Letter of Intent

A letter of intent is a powerful financial planning tool for people with disabilities and caregivers
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How to apply for employer benefits: Get all that’s coming to you

Taking advantage of everything your employer has to offer.
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Putting your employee benefits to work for disability planning

You work hard to create a lifetime of continuous care for your loved one with disabilities
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Financial planning checklist for disabilities

Confidently checking all of the boxes means you're planning for a better future

Voya Cares makes a difference

Learn more about Voya Cares advocacy efforts and thought leadership including personal stories from the disabilities and special needs community.

Learn More About How Voya Cares Makes A Difference
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Get in touch

Get in touch with Voya Cares® if you have questions about planning a financial future with disabilities in mind.

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This material is provided by Voya for general and educational purposes only; it is not intended to provide legal, tax or investment advice. All investments are subject to risk. Please consult an independent tax, legal or financial professional for specific advice about your individual situation.

Products and services offered through the Voya® family of companies.

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