6 Common Special Needs Planning Missteps & How to Avoid Them Guest Post by Pat Bergmaier, CFP®, ChSNC® Over the years, I’ve met many well-meaning, loving parents who mistakenly assume they’re “all set” when it comes to handling the unique financial needs of their child with special needs, only to find out later that they’ve missed a key step. It’s understandable, but these situations can often be avoided with some proper planning help. Here are some frequent planning missteps to be aware of that could impact the financial future of your child or family member with special needs.

Where Can I Have My Child Evaluated for Autism, ADHD & Giftedness? If you have concerns about your child's development or learning, then you likely already know that many local providers have waitlists as long as 18-24 months for evaluations. As a parent who was once putting my child's name on those lists, I grew frustrated and made it my mission to collect parent recommended resources with minimal waitlists who can help families get answers as early as possible. Here are many excellent options to consider.

Thank you to Dr. David Danish, President and Psychiatrist at Philadelphia Integrative Psychiatry and Chris Smith, Board Certified Behavior Analyst and Licensed Behavior Specialist for answering this parent question.

Join me in welcoming ABA Centers of Pennsylvania to Bala Cynwyd and Wayne/King of Prussia. They are smashing lengthy local waitlists for autism diagnosis and care, getting children 2-17 years in within 47 days of their initial contact and they work with most major insurances.

Beyond Autism Opens their 3rd Location in Havertown Pa! Beyond Autism is a collaborative center that provides individualized ABA, Speech and Occupational Therapy for children and adolescents diagnosed on the Autism Spectrum. They partner with families living with autism to build a strong foundation for their children in early childhood and beyond and passionately believe that their team inspires and supports change through evidence-based teaching methods and practices. Their newest location recently opened in Havertown and they continue to offer services out of their West Chester and Media locations. Applied Behavior Analysis (ABA) is a scientific, data based field that has utilized principles of learning and behavior for over 30 years to teach children with Autism enhanced social behaviors like self-care, play, motor skills, language, academic, self-help and other living skills. Their typical timeframe to begin services ranges from 2-4 weeks and, best of all, Beyond accepts all major commercial insurances. While they are not a Medicaid provider, they do offer a hardship program for those in need of financial assistance. Beyond offers a variety of service areas which include but are not limited to: Autism Spectrum Disorder Childhood Apraxia of Speech Early Intervention of Speech/Language Delay Expressive and Receptive Language Disorders Fluency/Stuttering Disorders Artic Phonological Disorders Social Skills/Pragmatic Language Deficits Learning Disabilities Augmentative and Alternative Communication (AAC) Feeding and swallowing Their occupational therapy program focuses on providing skilled based services in the following areas: Activities of daily living (i.e dressing, feeding, toileting & tooth brushing) Sensory processing Fine and gross motor skills Self-regulation and social skills Visual motor & perception skills Play and leisure skills Learn more and contact them at the link below and welcome Beyond Autism to the neighborhood!

Do you have a child who is exploring potential careers and wishes to do more research? Here are my top 3 websites to explore job goals! O*Net Online O*Net Online is a fabulous website that you could spend hours on. Do you have a specific job that you are interested in researching? You can search for it specifically and you can see all of the job duties associated, the education required, salary information, as well as other jobs that are related to that position. You can also explore jobs based on a specific skill set, by professional associations, job duties, etc. The website also designates which jobs are “bright outcomes”, meaning that the industry is growing and therefore jobs will most likely be available in your field. The website also includes a free interest profile which is helpful in narrowing options. Overall, I could spend hours doing research on O*Net! It is my favorite website by far! Pennsylvania’s Center for Workforce Information & Analysis This website provides labor statistics based on information gathered from the state of Pennsylvania and breaks it down by counties. My favorite statistic to explore is the “Top 50 New Hires”. This is updated every quarter, so it has the most up to date information. This list shows the top 50 employers in each county who have hired workers. This list can be beneficial to explore what type of industries are prevalent in the area that you live in or wish to live in, as well to give ideas of employers to explore for potential jobs. You can find an employer and then search their site for the types of jobs that they are hiring for. The information is extremely interesting, especially when comparing different counties. Occupational Outlook Handbook This website is similar to O*Net Online because it also allows you to explore different job goals in a variety of ways including by pay, educational level, projected new jobs, and projected growth rate. This website is developed using the US Bureau of Labor Statistics. There is a video on the home page which gives you information on how to best use the site. It is another great option for you and your child to explore different job goals. The Pennsylvania Office of Vocational Rehabilitation, or OVR, provides vocational rehabilitation services to help persons with disabilities prepare for, obtain or maintain employment.

If you are a parent of a child with an intellectual disability or autism, it can be overwhelming knowing which agencies you need to connect with to support your child. One of the first agencies that you should explore is the Office of Developmental Programs (ODP). Pennsylvania’s Office of Developmental Programs has a mission to assist Pennsylvanians with developmental disabilities to achieve greater independence, choice, and opportunity in their lives. Services include (but are not limited to) assistive technology, benefits counseling, community support, therapies, transportation, employment support, educational support, respite care, housing, etc. The services provided are tailored to the needs of your child. You must contact your county ODP office and schedule a time to speak with the intake person who will gather your information. ODP provides services through Administrative Entities. An administrative entity is an agency that can oversee ODP services. As a parent, you will have a choice of which Administrative Entity you would like to work with. It is encouraged to reach out to speak to the different Administrative Entities available to determine which one is the best fit for your family. I also encourage you to discuss with other members of your community who may have worked with them in the past. Once assigned to an administrative entity, you will be assigned to a Supports Coordinator who will be your main point person as you navigate services. It is important that this person is kept in the loop and informed of any important changes. Services are funded through something called a “waiver”. Some waivers are available at birth, therefore there is no need to wait to enroll for ODP. There are different waivers available and although several of them overlap in the types of services they provide, they may differ in the amount of funds that can be spent on a yearly basis. This can impact the number of services your child can access and at times, you may have to prioritize what is most important for them to have. Your supports coordinator will let you know which waiver you are eligible for and will help develop a plan, an Individualized Service Plan, which will outline the services provided. The ISP is updated on an annual basis. I have had discussions with families in the past who have been hesitant to enroll with ODP because they had misconceptions of the services that they provide. They believed that the services were just for individuals with significant cognitive disabilities and that their child would not be eligible. Some families I have worked with didn’t realize that individuals with autism were eligible for ODP as well. In reality, ODP provides funding for an extensive amount of services. If your child is going to need supported employment services, ODP will work hand in hand with the Office of Vocational Rehabilitation to provide the on-going on-site support. ODP funds have also been used to pay for the tuition for autism programs through universities. I have also seen ODP funds be used to fund Uber rides to and from employment. Your supports coordinator will be the one to assist you in determining how funds are used. Why is it important to enroll now versus waiting? For some waivers, it may be first come first served and may require for you to join a wait list. The number so individuals accessing these services continues to grow and there are limits to the funding available. In addition, it is important to have the supports coordinator involved early so that they can assist with the transition out of high school. In addition, to be eligible, you must provide documentation and complete an application. This process can take time, so you do not want to wait to get started. For more information about ODP, please visit ODP’s website which features The Gold Book , which explains services and waivers in digestible way.

Wondering if your child's behaviors are typical or a sign of something more? Our friends at the Center for Cognitive Behavioral Therapy can help!... Autism Spectrum Disorder (ASD) is a neurodevelopmental disorder that is marked by difficulties with social communication/interaction, as well as restricted or repetitive behaviors or interests. Kids with ASD can begin showing signs as early as 12 months of age, but it’s typically recommended that families wait until 18-24 months to get formal testing. By age 2, a diagnosis by an experienced ASD evaluation expert can be considered reliable. Depending on a child’s developmental milestones, the specific symptoms they may be showing, and where they lie on the ASD spectrum, ASD can easily be misdiagnosed or go unnoticed. Due to missed signs and behaviors, it is important for parents and caregivers to understand what some potential signs and symptoms of ASD may be. In younger children, signs of ASD include: *Avoiding eye contact *Disengagement with games or playing with peers *Lack of pretend play *Toileting troubles *Sensory sensitivity (i.e., touch, smell, noise) *Tantrums that occur more often and last longer than peers In older children, signs of ASD include: *Difficulty engaging with the back and forth flow of conversations *Difficulty with perspective-taking (i.e., seeing another’s point of view, understanding how another is feeling) *Tendency to discuss a specific topic for an overly extended period of time *Struggles with interpreting nonverbal language of others such as body movements, facial expressions, nonverbal cues *Repetitive movements or behaviors such as flapping one’s hands (often called stimming) *Rigidity regarding routines If your child is displaying these characteristics, give your pediatrician a call and ask for a screening to determine whether a more extensive ASD evaluation would be indicated. If not, feel free to give us a call (267-551-1984) and we can help you figure out whether you should pursue a full assessment for ASD. One thing to note is that the earlier you get a proper diagnosis and treatment, the better the outcomes for your child will be. Proper Autism testing should be comprehensive and include multiple sources of information (including the Autism Diagnostic Observation Schedule, which is the hallmark component of the gold-standard Autism assessment battery). The Autism evaluation experts at the Center for CBT offer extremely comprehensive, accurate Autism evaluations that include detailed treatment plan recommendations and next steps for your child. You can read more about our ASD evaluations at the Center for CBT here or give us a call for a consultation directly with an Autism evaluation specialist at 267-551-1984.