I have a child trust fund for my child who has a severe learning difficulty. Currently I'm paying £10 a month into it. He will never be in a position to make decisions about the money yet it is in his name and this can't be changed because of the way these accounts work. It's just occurred to me that because it's in his name I may not be able to access it when he turns 18. My friend says she was advised to just stop paying into the fund as if her son has this amount of money in his name he won't get benefits when he is older. Any advice from special needs mummies out there?