Putting away money for a disabled son (care after parents are gone)?

arrazello

I hope someone can help me with a little advice.

I need a lump sum fairly fast and want to cash in my endowment policy (no longer have a morgage) to fund this. I will have approx. 12K left over that I want to reinvest or save fast.
I don't want anything risky.

I also currently pay 73.00 into my endowment per month so I would also like to continue paying into something as an investment for the future or possibly life insurance.

Basically - I have 12K and 73.00 per month to invest. However, we receive working tax credit and child tax credit and I am not sure how what I save or invest will affect this.

To make things more complicted - I have a severely disabled son, I want the money for his future (if anything should happen to us as parents) to ensure whoever cares for my son after we are gone (hopefully one of his brothers) - a little money will be available to make the job as easy as possible. i.e. provide for payed help.

However, if my other children feel they cannot care for my son within one of their homes and he has to go into residential care - how would this affect any money saved for him?

Any advice on any of these questions would be appreciated?