In today's connected world, your child with special needs likely depends on numerous digital tools and resources. These digital assets, from communication devices, medical portals, educational platforms, and benefit management systems., have become fundamental to daily life and care. Let's explore why protecting these assets is crucial and how to ensure your child always has access to these vital resources.
Understanding Your Child's Digital World
Think about all the online accounts and digital tools you use to support your child. Patient portals allow you to access medical records, telehealth platforms for remote therapy sessions, and educational software that tracks your child's progress. Then there are the financial accounts: SSI benefits management, ABLE accounts, and online banking systems for paying caregivers. These digital assets are vital to your child's care and development.
However, it's important to be aware that, without proper planning, accessing these accounts could become problematic in certain situations. Imagine your child's therapist needing historical data from their communication device, but no one has the password. Or consider a caregiver unable to access essential online resources because the subscription expired and no one knew how to renew it. By understanding these potential challenges, you can take proactive steps to prevent them from becoming a reality.
The legal framework around digital assets is complex, especially regarding special needs planning. Federal and state laws affect who can access different types of digital accounts, and standard powers of attorney might not cover digital assets. This is why incorporating digital asset planning into your estate plan is crucial.
Creating Your Digital Asset Protection Plan
You can create a comprehensive inventory of your child's digital world. Document all account logins, passwords, subscription details, and device information. Include everything from communication apps to educational platforms, medical portals, and benefit management systems. But don't just list the accounts – note how each one supports your child's daily life and development.
Consider using a password manager designed for families that allows secure sharing with caregivers while maintaining your control. Store backup copies of personalized device settings, especially for communication tools. Document the renewal dates for subscriptions and licenses that your child depends on.
Think beyond just accounts and passwords. What about the photos and videos documenting your child's progress? The blog where you track medical updates? What are the social media connections that provide community support? These digital assets hold both practical and emotional value.
Emergency Planning for Digital Assets
One aspect of digital asset planning that often gets overlooked is emergency preparedness. What happens if your child's primary device fails during a crucial therapy session? Or if you're suddenly unavailable to manage online accounts? Creating an emergency protocol for digital assets is essential.
Your emergency plan should include step-by-step instructions for accessing backup devices, recovering lost passwords, and maintaining subscription services. Consider designating a tech-savvy family member or friend as a digital executor who can help manage these assets if needed.
Special Considerations for Communication Devices
For many children with special needs, communication devices represent more than technology—they're a voice and connection to the world. These devices often contain years of personalized settings, custom vocabularies, and learned usage patterns that can't be easily replicated. Protect these valuable tools by regularly backing up settings and configurations to multiple secure locations. Document any customizations and adaptations that make the device work best for your child.
Planning for Tomorrow's Technology
Technology evolves rapidly, and your digital asset plan should anticipate future needs. Consider how artificial intelligence and smart home technology might support your child. Plan for technology upgrades and maintain a budget for digital resources. Document your child's technology preferences and adaptations so future caregivers can maintain familiar digital environments.
Most importantly, remember to regularly review and update your digital asset plan. New accounts get created, passwords change, and technology evolves. Make your digital inventory part of your routine, like reviewing medical records or updating care plans. By taking responsibility for these regular updates, you can ensure that your plan is always up-to-date and ready to serve you and your family when needed.
How We Help You Protect Your Child's Digital World
We understand how crucial digital assets are for children with special needs, and how they must be incorporated into the plan for your child’s future. We help you create a comprehensive Life & Legacy Plan that protects these vital resources, ensuring your child and their future caregivers can access essential digital tools and benefits. From incorporating digital assets into your special needs trust to creating legally sound access protocols for caregivers, we'll help you build a robust digital protection strategy that works for your family.
Don't wait for a crisis to highlight gaps in your digital asset planning. Book a call with us to ensure your child's digital world stays secure and accessible. Contact us today to get started.
This article is a service of Ralston Law, a Personal Family Lawyer® Firm. We don’t just draft documents; we ensure you make informed and empowered decisions about life and death, for yourself and the people you love. That's why we offer a Family Wealth Planning Session™, during which you will get more financially organized than you’ve ever been before and make all the best choices for the people you love.
The content is sourced from Personal Family Lawyer® for use by Personal Family Lawyer® firms, a source believed to be providing accurate information. This material was created for educational and informational purposes only and is not intended as ERISA, tax, legal, or investment advice. If you are seeking legal advice specific to your needs, such advice services must be obtained on your own separate from this educational material.