Center for Independent Futures Exectutive Director, Jane Doyle, will be one of 3 panelists at the upcoming 7th Annual Fair Housing Month Event – Making Communities Accessible:  Housing Solutions for People with Disabilities.  The event will take place on Wednesday, April 13 from 6:30 - 8:30 p.m. at Trinity United Methodist Church, 1024 Lake Avenue, Wilmette.  Event sponsors include Interfaith Housing Center of the Northern Suburbs and JJs List.

The Panel will discuss innovative housing options for indiviuals with disabilities, laws that protect individuals with disabilities and changes that municipalities can make to create communities accessible to all.  Interfaith organizes this gathering to bring together local officials, housing advocates, and area residents to network, share information and discuss housing concerns in the community.

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For all you SPARK lovers...and new SPARK attendees!  Video from the 2010 event has just been posted on our website. 

Visit the SPARK page to view the video shot and edited under the direction of Center for Independent Futures Auxilary Board Member Kirstin Dorsch, Director of Marketing at Luminar Film Productions, Inc. and VideoYou

After viewing the video, don't forget to purchase your ticket to SPARK 2011 on-line!

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Center for Independent Futures' Executive Director, Jane Doyle, recently had the opportunity to share CIF's story on Evanston Community TV.  ECTV viewers were introduced to the hard facts about services for individuals with disabilities in the state of Illinois.  They heard Jane's personal story about CIF's founding and learned about our organization's current work with individuals with disabilities and their families.  Jane also talked about CIF's training initiatives in schools and agencies.  An invitation to SPARK, our annual spring fundraiser, was extended along with an invitation for viewers to call or stop in and see what CIF is all about.

Check out the video now!

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Center for Independent Futures is pleased to announce the sponsors of our annual spring fundraiser, Spark 2011, to be held April 15, 2011 at the Galleria Marchetti. These businesses and individuals generously support the work of CIF through their commitment to sponsorship. We are so grateful!

• Make It Better
• United Healthcare

• AJ Feldman Financial
• The Brinker Family
• Garvey's Office Products
• John J. Cahill, Inc.
• The Kenney-Palmore Family
• Laner, Muchin, Dombrow, Becker, Levin and Tominberg, Ltd.
• Schuyler, Roche & Crisham, P.C.

• Arthur J. Gallagher Risk Management Services, Inc.
• First Bank & Trust
• Law Office of Teresa Nuccio & Associates
• Steve Lobacz, MD

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by Patrick Dillon & Adam Paoli

Navigating through the complex financial issues involved in the special needs planning process can be a challenge for individuals with disabilities and their families. Much of the planning process is designed to answer this question: “What will happen to my child if I am no longer here to provide?”

Understanding the role of life insurance in the planning for the future of individuals with special needs is critical. Typically, life insurance is needed to replace the income of a primary caregiver who is often providing economic support as well as day-to-day caregiving. Although there are several types of life insurance policies, there are two basic categories: permanent policies that are designed to last the lifetime of the insured, and term policies that only cover the insured for a specific period of time, say, 10, 15, or 20 years. Every situation is different, but when dealing with families with special needs, a permanent need often requires a permanent solution.

Although term policies have lower annual costs, they will likely no longer be in force when the insured passes away as 98% of term policies never pay a claim.1 Permanent policies ensure that the benefit is there when it is needed most and as long as a special needs trust is listed as the beneficiary on the policy, will not to interrupt the distribution of government benefits.

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