When Special Care Is Needed: The Special Needs Trust A special needs trust helps care for a special needs child when you’re gone. Share | Have A Question About This Topic? Name Email Address Question Thank you! Oops! Related Content Eight Mistakes That Can Upend Your Retirement There are common mistakes you can avoid when saving for retirement. Consider Keeping Your Life Insurance When You Retire Reasons to retain your coverage into your retirement years. Split Annuity Strategy Here's one strategy that combines two different annuities to generate income and rebuild principal.