Rachel Nagler, 39, has worked part time since she was 22, but she will never be financially independent, according to her father. She is legally blind with a seizure disorder and mild cognitive impairment, the result of birth trauma.For her parents, Sam and Debra Nagler of Concord, Mass., planning for retirement required them to focus on Rachel’s future as well as their own.“She has very limited earning capacity,” Mr. Nagler, 70, said. “The concern is, is this sufficient for her for the rest of her life?”His wife, who is 68, has been their daughter’s primary caregiver since her birth.“Nobody knows Rachel, and takes care of Rachel, and knows every need of Rachel, and is on top of everything other than my wife,” Mr. Nagler said. “That’s a worry because she’s not going to live forever.”For parents of children who have serious disabilities or special needs, the challenges of growing and …
