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[quote=Anonymous]We have young kids and a parent with a serious health condition. They're ok for now, but the short-to-moderate-term prognosis isn't great.

What can be done to prepare? The kids don't know, and aren't really capable of understanding anyway. We don't plan to tell them until/unless we get to point of extended hospitalization.

Both kids have special needs, although one has ASD with very high support needs. Very likely he will not be able to live independently later in life.

What kind of things can be done ahead of time to put the surviving spouse in a better position? At this point, life insurance is what it is- about $1M. (And, as a future problem, the surviving spouse isn't able to get life insurance at all due to their own health issues.)  There are vague plans to move closer to (or potentially in with) other family, although we're reliant on current employer health insurance, so that can't really happen in advance. It really isn't clear how finances and logistical support will work given that there isn't a practical way to work full time with a child with special needs due to lack of child care options outside of school.

There may not be much that can be done, but advice/suggestions would be appreciated.[/quote]

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