Personally, I think that the entire constellation of problems that the mentally retarded have should be handled by insurance.
Parents should buy catastropic disability insurance when they are planning to have children and before the mother conceives. Then if there is a disabled child, insurance would pay for the medical, home care services, and **education** expenses of the child throughout his life.
I doubt though that insurance plans like this exist, but theoretically, they could.
Entitlement my ass. Want to see where my property taxes go?