"Charlie's tragic accident was obviously extremely unusual, but it highlighted the loopholes you can face with personalaccident cover as a layperson, " said Mr Hutton, 52.
That gives them leeway should they want to bring in another partner and helps protect their personal assets should there be a freak accident and large liability judgment levied against a property.
Trusts established by the disabled individual themselves are frequently established by people with disabilities caused by an accident or medical malpractice who later receive proceeds from a personal injury award or settlement of some sort.
Kearney, 55, told the American-Statesman that she might have to sell her home and some of her personal possessions to help support the daughter she adopted after the girl's mother was killed in the 2002 accident.