When Special Care Is Needed: The Special Needs Trust A special needs trust helps care for a special needs child when you’re gone. Related Content Should I Accept a Free Credit Lock? Learn the ins and outs of credit locks, freezes, and more. Password Protection Strategies Simple steps may help you foil hackers and protect your privacy. Fallen Tree Damage—Who Pays? Your liability for damages that occur when a tree on your property falls on your neighbor’s property is not clear cut.