Many disabled children and adults receive benefits from two government programs, Supplemental Security Income (SSI) for disabled individuals and Medicaid. No government or private life insurance company or product has been created specifically to save for and fund the future care of disabled children.

You might think that why do I need a child life insurance when I am not expecting death of my children? But let me assure you that, that is not the main reason for the insurance; instead think it as a future protection for your child. Think it as an investment for the future of the baby. If you make insurance for your baby now, there is a good chance that the money will come handy in future expenses for your grown up child.