Grants For Children With Disabilities
Many nonprofit organizations offer financial help for children with disabilities that may include paying for equipment, medical visits, care and more. The best way to find a grant that fits your situation is to look online for grants for disabled children, or for a specific disability.
Some national organizations that offer grants:
Easter Seals: Provides services, resources website has a form to find local services.
The M.O.R.G.A.N. Project: Connects families with resources and provides financial assistance for medical-related travel and more.
Parkers Purpose Foundation Assistance: Provides grants up to $1,000 for families in immediate financial need because of medical expenses for child with a life-threatening illness or disability. Ohio residents get priority.
First Hand Foundation: Financial help for immediate need medical expenses.
Critical Financial Assistance For Military And Veteran Caregivers
The Hope Fund for Critical Financial Assistance will provide financial relief to all eras of military and veteran caregivers through grants that aim to put military families on the path to financial wellness. These grants provide high-impact financial assistance to prevent or address a significant crisis or to improve the quality of life of the caregiver family. This financial relief fills the gaps that other programs may not cover, such as medical bills, natural disaster assistance, emergency transportation for appointments, or loss of income.
Caregivers who would benefit from assistance are strongly encouraged to apply. Please do not suffer through hardship when help is available.
Option : Request Debt Relief For Some Or All Of Your Copay Debt
If you dont think you can pay your debt with a monthly repayment plan, you can request debt relief for all or part of your balance. You can request a waiver , write-off , or compromise . If we grant part or all of your request, you wont have to pay the amount of the balance we agree to relieve.
To request debt relief:
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Request Va Financial Hardship Assistance
If you’re struggling because of life situations like losing your job, having a sudden decrease in income, or having an increase in out-of-pocket family health care expenses, we can help. You can request financial hardship assistance to manage your current VA copay debt or request an exemption from future copays.
Other Types Of Help If Youre Homeless
Visit Benefits.gov to find out if youre eligible and how to apply for other types of help. This may include financial assistance, transportation, food, counseling, and more.
If you dont have medical insurance, you can use HRSA health centers. They give checkups, treatment when youre sick, pregnancy care, and immunizations for your children.
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Financial Aid For Veterans And Their Dependents
There are several student aid programs for veterans and their dependents. A discussion of the student aid treatment of veterans education benefits and the definition of a veteran for student aid purposes can be found in the Veterans and the FAFSA section of Finaid.
Survivors and Dependents Educational Assistance Program Of particular interest is the Survivors and Dependents Educational Assistance Program . It provides up to 45 months of education and training opportunities to eligible dependents of certain veterans. To be eligible, you must be the son, daughter, or spouse of a veteran who died or is permanently and totally disabled as the result of a service-connected disability, or who died while such a disability was in effect, or is MIA or captured in the line of duty by a hostile force, or is forcibly detained or interned in the line of duty by a foreign government or power. Sons and daughters must be between the ages of 18 and 26. Spousal benefits end 10 years from the date the VA finds the spouse as eligible or from the date of death of the veteran. To apply, complete VA Form 22-5490, Application for Survivors and Dependents Educational Assistance.
Service Animals And Emotional Support Animals
Service animals are trained to complete work and tasks for the specific, individual needs of people with disabilities. Under the Americans with Disabilities Act , dogs may qualify as service animals. In some cases, the ADA also recognizes miniature horses as service animals.
Unlike service animals, emotional support animals do not typically perform specific tasks. Instead, they serve as companions to people with disabilities. They are not considered service animals under the ADA, but some state and local governments permit people to take them into public places.
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Housing Help For Older Veterans
Find programs to help older veterans with a wide range of housing needs. This includes in-home care, assisted living, and retirement homes for veterans.
- Get help finding housing and care in a variety of residential settings. This includes nursing homes, assisted living, and medical foster homes.
- If you need in-home care so you can remain at home, the VA may be able to help. Call the VA Health Care Benefits number at 1-877-222-8387. Or, contact the VA medical center nearest you.
Another option for some military retirees and other veterans is the Armed Forces Retirement Home . The AFRH has two locations: Washington, DC, and Gulfport, MS. Both offer recreation and wellness services including assisted living and skilled care.
Debt Help For Military Spouses
Spouses of active members of the military can get help paying their bills and other debt relief under the SCRA. As mentioned above, the law caps credit card and mortgage interest rates while on active duty and provides protections against eviction and foreclosure. In addition, there are health and life insurance benefits, housing benefits and tax deductions for students who are military spouses.
As found in a 2020 Military Lifestyle survey by Blue Star Families and the Institute for Veterans and Military Families, families of veterans and active-duty service members face challenges, both financial and otherwise. The most common contributors to financial stress for active-duty family respondents who indicated some financial stress are unemployment and underemployment student loans and out-of-pocket relocation costs.
- 77% of active-duty family respondents who have out-of-pocket housing costs spend more than $200 a month more than their Basic Allowance for Housing allotment.
- 20% of active-duty spouses are unemployed and actively seeking employment. 67% of employed active-duty spouses report they are underemployed.
- 67% of active-duty spouses earned less than $20,000 in 2019 40% earned no income at all in 2019.
- 28% of active-duty family respondents report that “military pay” is one of their top five issues.
- 14% of enlisted active-duty family respondents reported low or very low food security.
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Unemployment Rate And The Disabled
The employment rate for people with disabilities who are able to work has risen steadily since the U.S. Bureau of Labor Statistics began keeping track in 2008. By 2022, 37.6% of Americans between the ages of 16 and 65 with a disability were employed. .
Even so, it is still more difficult for those with disabilities to get a job than those without.
The BLS reports:
- The unemployment rate for those between 16 and 64 in the labor force with a disability was 7.9% in September 2022 the unemployment rate for those without a disability was 3.6%.
- Some 3.6% of the total U.S. workforce of 148,048,000 between ages 16-64 has a disability.
- Persons with a disability are more likely to be employed part-time because of business climate or self-employed than those with no disability.
- Persons with a disability are more likely to work in service occupations, production, transportation and materials moving, and less likely to work in management, professional, and related occupations.
The BLS defines a disability as:
- Deaf or serious difficulty hearing blind or serious difficulty seeing even with glasses
As well as serious difficulty:
- Concentrating, remembering, making decisions because of a physical, mental, or emotional condition
- Walking or climbing stairs
- Dressing or bathing
- Doing errands alone such as visiting a doctors office or shopping because of a physical, mental, or emotional condition
Budgeting And Managing Debt
If you explore these financial resources for veterans and still cant find the help you need, call us. Our free can help you get a clear picture of your financial situation and help you develop a realistic budget based on your current income. Or get started right away with our online financial review. Its free and confidential.
Find additional assistance with housing, mental health, food & nutrition and much more on our Consumer Resources page.
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Fund For Veterans Assistance
Read this first: The Texas Veterans Commission Fund for Veterans’ Assistance awards reimbursement grants to eligible charitable organizations, local government agencies, and Veterans Service Organizations that provide direct services to Texas Veterans and their families. The FVA does not grant funds directly to Veterans. Veterans in need of assistance are asked to visit the Grants Awarded page at the Texas Veterans Commission website to find organizations in their area for information on receiving assistance.
The Texas Veterans Commission Fund for Veterans Assistance is a program that awards reimbursement grants to eligible charitable organizations, local government agencies, and Veterans Service Organizations that provide direct services to Texas Veterans and their families. Texas Veterans Commission Fund for Veterans Assistance grants address a broad range of needs, including:
- Limited emergency financial assistance
- Counseling for Post-Traumatic Stress Disorder and Traumatic Brain Injury
- Housing assistance for homeless veterans
- Family and child services
Ptsd Help For Struggling Veteran
Clinton is an Army veteran who served in Iraq for a year. While he survived a roadside bomb and recovered from his physical injuries, the PTSD he experienced after returning home was crippling. Clinton sought help and found a 42-day therapy program specifically for veterans suffering from PTSD and addiction. To afford the cost of the treatment program, he launched a GoFundMe and raised over $6,500.
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Can I Get A Va Loan With Bad Credit
It’s possible to get a VA loan even if your credit isn’t great, but you might have a harder time finding a lender that’s willing to work with you.
The Department of Veterans Affairs doesn’t set a minimum credit score for the loans it guarantees, but individual mortgage lenders are allowed to set their own standards, and many require credit scores of at least 620 for VA loans.
But there are also plenty of lenders that accept borrowers with lower scores sometimes even as low as 500. There are also lenders that will work with borrowers who have recent bankruptcies or foreclosures, and ones who will work with borrowers who have no credit score at all. You’ll just need to do some extra research to find the right lender for you.
“VA loans have some of the lowest interest rates of any loan program on the market, even with a low FICO,” says Ben Davis, senior loan officer for Northstar Mortgage in the Pacific Northwest. “I’ve had clients with lots of derogatory credit, that were still able to qualify for a home.”
Tax Deductions For Children With Disabilities
There are several tax credits and deductions for taxpayers with disabled children of any age.
A tax credit lowers the amount of taxes paid a deduction reduces taxable income.
The Internal Revenue Service defines a dependent child as permanently and totally disabled, who cannot engage in substantial gainful activity. The IRS determines who qualifies, and requires a doctors determination, including that the condition is expected to last for at least a year, or can lead to death.
Deductions can be taken for home improvements to accommodate a disability, medication, medical care-related trips and more.
Tax credits are:
- Dependent with a Disability Working at a Sheltered Workshop: Familys gross income cant include the childs workshop pay.
- Adoption Credit: For parents who adopt a child with special needs.
- EITC for Parents of Children with Disabilities: For parents who care for a permanently and totally disabled child in the home.
- Child or Dependent Care Credit: For those who hire a home care aide.
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Special Housing Adaptation Grant
SHA grants help Veterans with certain service-connected disabilities adapt or purchase a home to accommodate the disability. You can use SHA grants in one of the following ways:
- Adapt an existing home the Veteran or a family member already owns in which the Veteran lives
- Adapt a home the Veteran or family member intends to purchase in which the Veteran will live
- Help a Veteran purchase a home already adapted in which the Veteran will live
Health Insurance Through The Health Insurance Marketplace
What help is available?
HealthCare.gov helps you find insurance options, compare care, learn about preventive services, and more. If your employer does not offer insurance, you’re self-employed, or you want to buy your own insurance, you can get it through the Marketplace. The Health Insurance Marketplace offers health, vision, and dental insurance for you and your family.
Am I eligible?
Everyone is eligible for health insurance through the Marketplace. You may also qualify for subsidies to help pay your premiums. If youve experienced a life change like childbirth or loss of a job, you may be able to make changes to your insurance in a special enrollment period.
How do I apply?
How you apply for a plan in the Health Insurance Marketplace depends on what plan you choose. Learn more about applying.
How do I complain or where do I call for extra help?
Visit the Health Insurance Marketplace’s top questions section for more help with finding or applying for health care. To file a complaint, call .
Is there anything else I need to know?
If you need more help getting or paying for medical care, try these resources:
You may qualify for financial assistance programs to help with eye exams, surgery, prescriptions, or glasses.
If you are uninsured or underinsured and must seek emergency medical treatment:
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Alternatives To A Va Loan
If you can’t find a lender that will qualify you for a VA loan, you may still have other options to get into a home.
FHA loans are geared toward borrowers with shaky credit, and typically require a minimum score of 580. If you can put down at least 10%, you may be able to get an FHA loan with a score as low as 500. But if your score is at least 580, you can put down as little as 3.5%.
If you bank with a local credit union, you may also want to see if it would be willing to work with you. Sometimes credit unions can provide flexibility that regular banks can’t.
Getting a mortgage with bad credit can be challenging, but there are many lenders willing to work with those with lower scores. If you’re still having trouble qualifying, take some time to work on building a strong credit history by making on-time payments and keeping your utilization low before re-applying.
Nys Military Service Recognition Scholarships
The Military Service Recognition Scholarship provides financial aid to children, spouses, and financial dependents of members of the armed forces of the United States or state organized militia who, at any time on or after August 2nd, 1990, while New York State residents, died or became severely and permanently disabled while engaged in hostilities or training for hostilities.
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Resources That Offer Financial Assistance For Veterans
Transitioning out of active military duty can be a huge adjustment, and the path to civilian life can include many financial hardships. Whether youre an active duty soldier in the military service or youve been out of the military for decades, we want to help you overcome financial hurdles. With that in mind, weve rounded up the best veteran resources that offer financial assistance for veterans so you can begin finding hope and financial freedom.
Veterans Pension Versus Disability Compensation
In some cases, veterans can receive disability compensation. It’s not the same as the VA pension. Heres a way to tell the difference:
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Disability compensation is for an illness or injury that happens because of or was made worse by your military service. Its not income-based and war service is not required.
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A VA pension is for war veterans with a low income and who may have a disability that is not service-related.
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A Path Toward Financial Wellness
The Hope Fund provides much-needed aid for the caregiver, the care receiver, and their family. Life happens and unexpected costs come up. The uncertainty of a sound financial future should not add to the stress of being a caregiver.
Every caregiver who applies for this program, regardless of whether or not you receive a grant, will be offered additional support, referrals, and access to other benefits available through the Elizabeth Dole Foundations holistic financial wellness program. Its our mission to propel caregivers like you on a well-supported path to financial wellness.
Financial Help For Veterans And Family Members
The Department of Veterans’ Services offers a benefit to veterans with little income, called Chapter 115 benefits, which can help pay for daily living expenses, medical costs, housing, and other necessities. The Department of Veterans’ Services also offers an annuity to certain disabled veterans, parents of a deceased veteran, and the unmarried spouses of deceased veterans.
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Find Help Outside Of Massachusetts
Massachusetts veterans’ benefits are for residents of the Commonwealth of Massachusetts.
If a veteran lives outside of Massachusetts, they may be eligible for benefits in their state of residence. Every state has an office or department of veterans’ services. This office can provide information about veterans’ benefits offered by that state. Find a list of state offices/departments of veterans’ services here.