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Financial Help

Here you’ll find resources specifically focused on how to find funding for medical, technological, and daily-life necessities. Information on qualifying and applying for Social Security Disability Income (SSDI) and ways to locate health insurance programs are provided as well as resources to help understand disability rights and entitlements.

Centers for Medicare and Medicaid Services

This helpful U.S. government website explains the various aspects of Medicare and Medicaid or CHIP coverage. Here you’ll find questions and answers about health plans, providers etc. There are also research articles, statistics and tips on applying for various services and programs.

 

Disability Insurance Forums

This is a place to pose questions and read conversations related to disability insurance. It’s a good source for tips on evaluating providers and what to expect from insurance companies.

DisabilityInfo.gov

Managed by the U.S. Department of Labor’s Office of Disability Employment Policy (ODEP), this website is dedicated to providing in-depth online access to disability-related information. There are extensive resources on this site, including details on how to apply for disability benefits, find a federal government job, and other resources on disability laws, services, education, and healthcare.

 

Family Benefits Solutions, Inc.

Family Benefits Solutions, Inc. (FBS) is dedicated to protecting and supporting the well-being of familes with special needs. FBS helps families to obtain an objective view of their personal situation, become more knowledgeable about available benefit programs, play an integral role in the application process and ensure future beneifts are sustained.  Family Benefits Solutions helps families to make long-term decisions during a journey that can be filled with uncertainty, difficult choices, emotional weariness and a feeling of “not knowing what is out there.” Their goal is to help families reach a more comfortable today and a peaceful tommorrow.

Five Wishes: Living Will Online

Five Wishes is an online living will document provided by a non-for-profit organization called Aging with Dignity. It allows individuals to put their end-of-life wishes in their own words, rather than require state-written documents. Five Wishes is an easy-to-use document that helps express how you want to be treated if you are unable to speak for yourself. It is unique among all other living will and health agent forms because it speaks to all needs: medical, personal, emotional, and spiritual. It also helps structure discussions with your family and physician. Often called the “living will with a heart and soul,” the Five Wishes document is the most widely used advance directive or living will in America. Click on the Preview box to review details of Five Wishes.

GovBenefits.gov

Created through a partnership of federal agencies, this website is an excellent tool for finding and accessing the government programs designed to help you. The website offers the option to search for benefits according to category, state, or federal agency. Select Benefits at the top and decide how you would like to search for available benefits from the options under the tab. A good way to start is by selecting Start Benefit Finder to help you decide which benefits to look for.

HealthInsurance.com

This website offers a simple tool which enables you to find and compare health plans. With online premium quotes, this is a good place to start researching your insurance options, whether you’re looking for plans for the long term, short term, or are in transition from one plan to another. At the very bottom of the home page is a set of links to help you look up information regarding health, dental, short term, life, travel, and Medicare insurance plans.

HelpHOPELive

HelpHOPELive is a 501(c)(3) nonprofit that helps patients and families facing transplantation or catastrophic injury develop personal fundraising campaigns to support their ability to pay for uninsured medically related expenses. They provide the consultation needed to learn how to raise funds to bridge the gap between what health insurance will pay and what is actually needed to heal, live and thrive. Click on How it Works to find out about how to start a catastrophic injury campaign for fundraising.

Injury Board

The Injury Board is a network of personal injury law firms located across the United States and the United Kingdom. A group of law firms from the Injury Board created a Help Center on spinal cord injuries to provide basic information on safety, initial steps in handling an injury, treatment and rehabilitation, caregiving advice, and legal issues. Each section offers a few paragraphs of insight, facts, figures and other helpful links.

 

LongTermCare.gov

Developed by the U.S. Department of Health and Human Services, this website offers extensive information and resources on long-term-care options. There is basic information about services, cost and planning as well as advice on securing long-term care for your loved one. These pages are also full of useful articles and tools, such as the Long-Term Care Savings Calculator. Scroll down to Find Services for additional resources that can be search nationally by state. 

 

Medicare Rights Center

This nonprofit consumer service organization works to ensure access to affordable health care for older adults and people with disabilities through counseling and advocacy, educational programs, and public policy initiatives. The website provides detailed information and resources on what benefits you’re entitled to and how to find them. It’s National Telephone Hotline connects you to trained volunteers and staff to help you understand Medicare benefits, find the right coverage, and understand how existing coverage works with Medicare.  The hotline is also available to individuals with Spanish as their primary language.

 

Medicare.gov

This website describes the services provided by Medicare, which offers insurance for people over the age of 65 or individuals under 65 with certain disabilities. On the home page under Forms, Help, & Resources, you’ll find information on health & drug plans, links that offer comparisons of hospitals, nursing homes and home health care agencies, and access to tools that help you find suppliers of medical equipment & supplies, medicare forms, and replacement or correction of your Medicare card.

 

Partnership for Prescription Assistance

For individuals who don’t have prescription drug coverage or the means to pay full price for necessary medication, this website offers solutions. The PPA provides resources and access to more than 475 public and private programs designed to help you find affordable medication. The PPA is sponsored by several American pharmaceutical companies and the American Academy of Family Physicians, Easter Seals and the Urban League.

 

Ramp Less Traveled

Ramp Less Traveled provides scholarships and mentoring opportunities to assist those who have sustained spinal cord injuries in the pursuit of higher education. They pair scholarship recipients with experienced mentors who help guide students and their parents along the path to college success. The mentoring relationship is comprehensive and ongoing, and Ramp Less Traveled does their best to ensure a successful and rewarding college entrance following injury. 

Salute, Inc.

The transition to civilian life is often difficult, especially where there is injury. SALUTE delivers short term financial assistance to bridge the temporary income gaps and meet the basic needs of post 9/11 veterans. The Get Assistance tab will help you learn more about financial assistance eligibility. Submit a Financial Assistance Application or call direct with any questions you may have at 847.359.8811.

Shriners Hospital Pediatric Spinal Cord Rehabilitation Programs

Shriners Hospitals for Children is a health care system of 22 hospitals dedicated to improving the lives of children by providing specialty pediatric care, innovative research and teaching programs. Children up to the age of 18 with orthopedic conditions, burns, spinal cord injuries and cleft lip and palate are eligible for admission and receive all care in a family-centered environment with no financial obligation to patients or families. Three locations specialize in pediatric spinal cord injury medicine and rehabilitation; they are located in Sacramento, Ca, Chicago, IL and Philadelphia, PA. Transportation is also provided at no cost.

Social Security Administration

This website covers Social Security issues specific to disabled individuals. Here you can get information on applying for benefits along with extensive lists of links to pages that answer questions about how Social security works and how it applies to your situation.

Social Security Disability Benefit Overview

This consumer education sheet provides a general overview of social security disability benefits, the eligibility requirements, application process, medicare benefit availability, appeal process, and reasons why benefits could be terminated.

Social Security-Benefits for Children with Disabilties (Social Security Administration, 2016)

This booklet, from the Social Security Administration, is for the parents, caregivers, or representatives of children younger than age 18 who have disabilities that might make them eligible for Supplemental Security Income (SSI) payments. It is also for adults who became disabled in childhood (prior to 22), and who might be entitled to Social Security Disability Insurance (SSDI) benefits. (We call this SSDI benefits a “child’s” benefit because it’s paid on a parent’s Social Security earnings record.) This booklet will help you decide if your child, or a child you know, might b eligible for SSI or Social Security.

Special Needs Answers

The purpose of this site, sponsored by the Academy of Special Needs Planners, is to provide a general overview of strategies parents and others can use to plan for their own futures and for those of family members with special needs. Topics include information on Estate Planning, Special Needs Trusts, Financial Planning, SSI and SSDI, Settlement Planning, Public Beneifits, and Disability Issues.  This site also provides a directory of Special Needs Planners by state.
 

Special Needs Trusts: Protect Your Child’s Financial Future – 5th Edition (Nolo, 2013)

If you care for a child or other loved one with a disability, you’ve no doubt thought about what will happen when you’re no longer able to give that care. Special Needs Trust shows you how to leave any amount of money to your disabled loved one without jeopardizing government benefits.

ThreeSixtyFive Foundation

It is the mission of the ThreeSixtyFive Foundation to provide, through financial and non-financial means, assistance to physically challenged individuals in returning to an active lifestyle during the first year of their recovery. Like most charity organizations, fundraising efforts are the primary source of income for this foundation. Hosting few events each year, along with individual donations allows ThreeSixtyFive to identify and support new recipients. Fundraising support is provided to a resident living with a spinal cord injury in the greater Indianapolis area. The charity partners with an individual during the first three hundred and sixty-five days of recovery. Offering financial help, but more importantly creating the window whereby the  individual can draw uhis or her own motivation for facing the challenges ahead and moving forward.

 
Travis Roy Foundation

The Travis Roy Foundation is dedicated to enhancing the life of individuals with spinal cord injuries and their families. The foundation provides grants to purchase adaptive equipment and funds research to discover therapies and methods for treating spinal cord injuries.

 
Working and SSDI Benefits

This consumer education article details the requirements for how much you can work and still maintain SSDI (Social Security Disability Income) benefits. The article also provides additional consumer education sheets on working and eligibility for Social Security Disability.

Wounded Warrior Project

The Wounded Warrior Project (WWP) began when several veterans and friends, moved by stories of the first wounded service members returning home from Afghanistan and Iraq, took action to help others in need. What started as a program to provide comfort items to wounded service members has grown into a complete rehabilitative effort to assist warriors as they recover and transition back to civilian life. If you are a veteran injured after 9/11/01, select Programs.  Here you can learn about WWPO’s programs, which are uniquely structured and designed to nurture the mind and body, and encourage economic empowerment and engagement. Under each of these program areas, Wounded Warrior Project (WWP) offers a variety of programs to meet a range of needs.

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