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 Message Thank you! Oops! Related Content Retirement Is a Beginning Key questions to answer when you are considering retirement. Keep Your Credit Score on the Upswing Your FICO score matters more than you may realize. Retirement Planning With Your Special Needs Child in Mind Having a special needs child adds another layer of complexity to retirement planning. A special needs trust may help.