When Special Care Is Needed: The Special Needs Trust A special needs trust helps care for a special needs child when you’re gone. Have A Question About This Topic? Name Email Address Message Thank you! Oops! Related Content Rightsizing for Retirement What does your home really cost? The Value of Insuring Against Life’s Risks Building wealth requires protection from the forces of wealth destruction. When Life Insurance Becomes Taxable Life insurance proceeds are generally tax-free. But not in all cases.