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The long-term costs of living with a spinal cord injury are significant. Every family situation is unique. For many individuals, protecting current assets and managing daily costs of living are primary financial concerns.

Explore the resources below to develop a financial plan that supports ongoing needs for health and well being. These can range from learning how to qualify and apply for Supplemental Security Income (SSI) and Social Security Disability Income (SSDI). Learn how to continue employment and acquire added income without sacrificing medical benefits.

Other entitlement programs for individuals with disabilities, such as programs through  departments of aging and disability or state waivers for spinal cord injury can help pay bills or subsidize costs for medical equipment and supplies, personal care attendants, home modifications, adaptive vans, adaptive recreation equipment, emergency response systems, and other environmental adaptations. For veterans, there are additional sources to support ongoing care as well as to continue educational pursuits. 

Private foundations are another source of financial support for persons living with spinal cord injury.  Special needs grants are available which support costs for assistive technology, adaptive recreational equipment and other non-medical needs. Other local, state and federal programs that support quality of life and daily living for persons with disabilities are available.

Parents of children and adults with spinal cord injury may also find it helpful to learn about Special Needs Trusts to ensure that financial needs will continue to be safeguarded throughout one’s lifetime. Privately funded non-profit charity programs for veterans, such as Salute, Inc. or the Wounded Warrior Program provided added sources of financial support for housing, employment, education, and mental health.

Long-term care encompasses everything from long-term services and supports and finances, to where you will live and how you will navigate the myriad of legal, family, and social dynamics along the way. was developed by the U.S. Department of Health and Human Services to help individuals accurately plan for long-term care needs. 

It answers questions about the nature of long-term care, who needs it, how much it costs (with a state-by state breakdown), how it can be paid for, who provides care within long-term care facilities, and details on Medicare and Medicaid coverage of long-term care. Not only does the site explain why everyone needs to plan for long-term care, but also it takes one through the step-by-step process.