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 Message Thank you! Oops! Related Content The Real Cost of a Vacation Home What if instead of buying that vacation home, you invested the money? Insurance Needs Assessment: When You're Newly Married Marriage changes everything, including your insurance needs. What Is a Roth 401(k)? Roth 401(k) plans combine features of traditional 401(k) plans with those of a Roth IRA.