Generally speaking, millions of people live with permanent disabilities. This situation can be challenging as it can impact a person’s ability to work, earn a living, and provide for their family. Moreover, becoming permanently disabled can create a financial burden, because of medications and other medical care one will constantly need to maintain and adhere to.
If you’re struggling with your health condition’s financial demands, there are programs and other resources you may turn to. These entities can provide adequate financial assistance to cover the expenses associated with your disability.
Keep reading this article to learn more on how you can obtain financial assistance for your health condition and permanent disability.
- File A Social Security Disability Claim
One of the best ways to seek financial help for your disability is through the Social Security Disability (SSD) under the Social Security Administration (SSA). SSD is a federal program that aims to give financial assistance and other related benefits to qualified disabled applicants. It operates as an insurance coverage since it provides relief when a permanent disability interferes with your ability to work and make money.
However, it’s important to note that not all disabled individuals will automatically qualify for SSD. You need to meet specific qualification requirements before getting financial assistance. These can include:
- You’ve earned enough work credits. Typically, you require 40 work credits to be eligible for SSD, but you may need fewer credits if you’re younger.
- You’re 18 years old or older.
- You’re not receiving Social Security benefits at the moment you file a disability claim.
- You can no longer work due to a medical condition that would last for a long time.
If you meet all the eligibility requirements above, you can obtain financial assistance faster. However, applying for SSD may take a long time, depending on the circumstances. Sometimes, the process can take longer, especially if the SSA denies your claim. For this reason, it’s best to hire a lawyer to help you navigate the entire claiming process.
- Claim For Supplemental Security Income
Apart from the Social Security Disability Income, you can also seek financial assistance by claiming Supplemental Security Income (SSI). It’s also a federal program that allows disabled persons to receive monthly financial assistance to help them cover their basic needs. These can include expenses relating to housing, clothing, medications, and food.
However, although you need to file for this assistance with the SSA, SSI is paid for not by the Social Security taxes but by the general tax revenues. To apply for SSI, you need to meet the following set of criteria:
- You’re 65 years old or older and permanently disabled.
- You’re a resident of the United States.
- You have low income and limited financial resources.
Unlike with SSD wherein you’ll be needing enough work credits to be eligible for financial assistance, SSI is not, as it is based on a person’s age and limited income.
- Apply For Medicaid Or Medicare
If you need financial assistance to cover your healthcare needs, then applying for Medicaid or a medical insurance program can be a big help. If you have Medicaid, you can access low-cost or free medical benefits that could best cater to your health needs and concerns.
To be eligible for Medicaid, you need to have a disability that significantly affects your life. Additionally, you should also be a resident of the state where you are applying for this health insurance program. That said, it’d be good to note that coverage of Medicaid varies from state to state.
On the other hand, you can also apply and seek assistance from Medicare. It’s another financial program that aims to help adults finance their medical bills. To qualify for this program, you need to show that you have low income and are disabled, and are unable to work. Moreover, if you’ve already received disability benefits from Social Security for 24 months, you automatically have access to Medicare Part A for hospital coverage and Medicare Part B for medical coverage.
- File An Application For Temporary Assistance For Needy Families
Lastly, you can consider filing an application for Temporary Assistance For Needy Families for financial help. It’s another federal government program intended to provide financial assistance for individuals with disabilities and families with low income to support their basic needs such as food, medications, shelter, and other necessities.
Although each state has its own application rules and eligibility conditions, the following are some common federal qualification requirements for this government-funded program:
- You should be a resident of the United States.
- You should have a Social Security Number for identification.
- Your family’s countable assets should be under the threshold or near the poverty level.
Many government programs offer financial aid to individuals with permanent disabilities. Therefore, if you need help funding your basic needs, including medications, keep the information mentioned above in mind. That way, you’ll know where to go to get financial support to help you with your healthcare needs.
Just make sure to fulfill the eligibility requirements, along with the documentation to streamline the application and receive the resources you need to fund your daily living.