Like many dual-income couples, you and your spouse may have both included your kids on each of your group health insurance plans. However, without some sort of system in place to help the insurance companies coordinate benefits, it's possible that either you or your doctor would be reimbursed for more than 100 percent of the actual cost of your claim.

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.

Whether the child you are adopting has health problems that can be corrected with proper treatment, or has a medical condition that will require ongoing care, you may be concerned that your health insurance provider will refuse to cover your child because of his pre-existing condition.

A number of companies offer their workers employer-sponsored life insurance coverage, generally purchased through an outside insurance company, as part of the employee benefit package.