When Special Care Is Needed: The Special Needs Trust A special needs trust helps care for a special needs child when you’re gone. Share | Have A Question About This Topic? Name Email Address Question Thank you! Oops! Related Content Universal Life Insurance Universal life insurance is permanent insurance with a flexible premium. Here's how it works. Making Sense Of A Home Warranty Understanding the value of a home warranty. Inflation & Retirement Estimate how much income may be needed at retirement to maintain your standard of living.