Health Insurance

Financial planning for special-needs children

Jessica and Nathan Pugh's 5-year-old son, Lachlan, has a rare brain malformation that affects his motor skills, but that doesn't seem to slow him down much. Lachlan enjoys zipping around in his motorized wheelchair, and he is content to spend hours in the toy aisle at Target. "He's a very stable, happy and super fun kid," says Jessica. "He loves Spider-Man and Disney and is full of surprises."

Lachlan also needs constant care. His condition impairs the development of the skeletal and muscular systems, and he also has difficulty with speech and swallowing. Lachlan gets around in a wheelchair or with a walker, and he has to use a feeding tube. He spent his first...