Securing the future of a dependent adult son

Beverley wants to know how best to ensure her adult son has a secure future.

How do I best provide for my disabled son?

Beverley has an adult son who is on a disability pension. She asks lawyer Rod Cunich how she can best provide for him after she is gone. 

Q. Beverley
I have a 46-year-old son living with me on a disability pension. He has no short-term memory due to brain surgery. He is quite independent, however, but can be easily bamboozled as he retains information for only about a minute. I want to leave him my house but I’m worried he could be conned. His siblings are happy about this as they all have good incomes. They are prepared to help him pay rates and maintain the house. How can I protect him? I understand testamentary trusts are expensive to maintain on an annual basis. I am a pensioner with a modest super, so I won’t have money to leave for such a purpose. Any suggestions are welcome. 

A. There are various structures available to you, for example:

  • You could leave your home to your other children but subject to a life estate in your son’s favour which would give him the right to live in the property while he is alive.

  • You could leave the property to a trust for the benefit of your son and managed by your other children.

  • Variations of the first two options.

Each option has its pros and cons for tax and other reasons. You need to consult a specialist lawyer to help you work through the options and find the best outcome for you.

The good news is that solutions are available to you that ensure your son has a roof over his head and that the property is protected.

The cost of setting this up would not be prohibitive, but the arrangements are complex, so you can anticipate it will cost a few thousand dollars. 

Perhaps your other children could help you fund the arrangement as they may well benefit by ultimately receiving the property. 

Disclaimer: This information has been provided by Rod Cunich and should be considered general in nature. Seek legal advice before acting on this information. 

Rod Cunich is a lawyer with over 30 years of experience who specialises in estate planning. If you have a question for Rod, simply email it to



    To make a comment, please register or login

    20th Feb 2018
    The NDIS? I'm funded by it myself, but dealing with them is a bureaucratic nightmare.
    20th Feb 2018
    Sitting down and having a frank discussion with your adult children would be a good idea
    20th Feb 2018
    I know a family in a similar situation. In some things their son is very independent in others he has problems. His parents have come to legal arrangement that the house will be sold, he will ive with his sister, brother-in-law and family. The funds will be used to support him. His parents added a section to their house to give their son his private space. Another potential arrangement is that they move in with him as the parents' house is larger and the lad would still have his private space.

    You May Like