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You can avail of 20% off the cost of Medical Insurance through the Private Medical Insurance Tax scheme. If you pay for Medical Insurance directly or it is paid by you through your employer, this tax relief is granted at source i.e. you are only charged a reduced premium (80% of the gross amount) by the insurer.

Lillian Ng, author of Put Your Money to Work, writes about how to put together a back-up plan for the family so that regardless of what happens to the Dad, the family will be able to carry on with life.

Premiums paid under permanent health insurance schemes are allowed as deductions for income tax purposes. The relief is granted at your highest rate of tax. The amount on which relief is granted cannot exceed 10% of your total income for the tax year.

Special Needs Resources - We have compiled a list of special needs resources connect like special needs organizations, legal establishments, disability-related insurance and service providers, and other resources to plan the finances for your children with special needs. Please contact us for more information.

A surrogate mother often faces criticism and judgment from others for the choice she have made. However, those are less problematic when compare to the risks that she takes for her own family, friends and spouse. These risks can be daunting and cause challenges she might not have considered before getting involved. These risks can be anything from medical and health concerns to finances and job security and often family and personal risks as well. Medical risk is a huge factor, when a woman becomes a surrogate often times, she and the donors would have to undergo intense examination. These exams range from blood, health tests to the initial process of the implanting of the eggs from the donor. In the beginning the clinic will bring her and the egg donor together to begin a lengthy process of sequencing ovulation cycles. The clinic would put the surrogate mother on birth control and steroids, such as Luprin. These medications are meant to get both the surrogate mother and the donor's cycles on the same schedule. This is crucial because the surrogates' uterus needs to be ready for the embryos. Just having to deal with the pain of insemination and testing can be unbearable, not to mention the unpleasant side effects from all the medication and actual insemination process. However, that is just part of it. The surrogates are also faced with depression, sleep disturbance, guilt and the difficulty to remain unattached. These factors alone cause many surrogates to face the fact that they are walking a long road that not many others might have the strength to do. Many clinics offer support groups and counseling. Aside from medical and emotional risks, there might also be legality issues with the laws of the state they reside in. What kind of laws protect the surrogate, what rights does she have to things such as privacy? And there are also finances to consider. Generally, surrogate mothers are responsible for all insurance costs. As a surrogate you should be financially

During pregnancy and as a parent, you are entitled to tax relief on a number of things. This section looks at these tax reliefs such as: medical expenses, medical insurance, health insurance, carers allowance, single parent allowance, maintanance payments and more.

Now that you are parents, if you haven't already done so, you should organise life insurance and serious illness cover. These will ensure that if anything happens to either or both of you, your children will be financially secure. Life insurance covers your family in the event of your death.

Special Needs Services - We are offering financial help for special needs children via the instruments of government benefit planning, insurance needs analysis planning, and comprehensive financial life term plans. Consult now.

Health insurance is used to pay for private care in hospital or from various health professionals in hospitals or in their practices. The arrangements vary from one company to another but most companies have agreements with hospitals that the company will pay the hospital directly.

If you have paid for medical expenses in the course of the year, at the end of that year you can get a refund of part of that expense through a tax claim. This is allowed for most medical expenses that are not going to be covered by Medical Insurance or any other agency such as the health board.

Medical card holders receive certain health services free of charge. Normally, your dependent spouse and children are also covered for the same range of health services. Medical card holders are exempt from paying the 2% Health Levy part of social insurance and from the 1% Income Levy introduced in 2009.

Maternity Benefit is a payment made to women on who are maternity leave from work and covered by social insurance (PRSI). The amount of money paid to you each week will depend on your earnings. If you are already on certain social welfare payments then you will get half-rate Maternity Benefit.

If you are not working, make direct contact with your local social welfare office for payment rates and conditions. Different conditions apply if you have worked and have relevant social insurance contributions. Bring your birth certificate with you.