Disablity Grants For Childrens

Disability benefits for children is a boon for families who cannot afford to take care of their disabled child, due to their low incomes levels. The following article will tell you about the disability benefits that are madDisabilities in children could range from conditions like Autism, Cerebral Palsy or Down Syndrome. So also, children might fall in the category of 'At Risk' which includes pre-term, emotional and behavioral problems. These problems lead to a distinct lack of stimulation in them, which can affect their overall growth and development.

These conditions are not confined to medical problems alone but could also include behavioral and learning disorders.e available and the eligibility procedures for the same. Apply Your Grants Today!!


It is generally difficult to get disability benefits for children. This is because the primary criteria and the conditions of the child on which these benefits are sought may change. For example if a child has an attack of asthma, it will hamper his growth and development. This will prevent him from participating in the normal day-to-day activities like other children (making him applicable for the disability benefits). When such a child applies for a SSI (Supplemental Security Insurance) disability procedure, the severity of the attack might be high at that point of time. But by the time it comes to the hearing stage, the grimness of the situation might have lessened or the child may have responded positively to medication. However, if the disabilities are something like Autism then that leaves no room for doubt.

It is generally misconstrued that there are no programs that cater to the needs of disabled children. This is not true. The Social Security Administration (SSA) offers two programs that work towards providing benefits to these children with disabilities. The programs are Social Security Disability Insurance (SSDI) and Supplemental Security Insurance (SSI).

Conditions for a Grant for Disabled Children

The conditions on which these disability benefits for children are granted are varied.

Income
The Supplemental Security Insurance (SSI) has certain set income limits. In order for your child to be applicable for the disability benefits, the family income should not be more than $2000 on the whole. For this the SSI will take into account the family income, the bank account savings, other assets like properties, etc. If the total income is seen to exceed $ 2000 then the child is considered ineligible.

Payment
The payments to the disabled children are made on a monthly basis. These payments continue till the time the child turns eighteen. After which they are discontinued under the children's disability program because then the policy is evaluated under the adult listing category. The amount of payment depends on the family income.

Criteria
A child is considered disabled if his condition is such that he cannot involve himself in age appropriate activities like playing, etc. It therefore confines his functionality. This condition should last for a minimum of 1 year or should be expected to lead to death.

Prior to a hearing for availing disability benefits for children, the attorney will gather copies of a child's IEPs (Intensive English Program), achievement and testing reports, grade reports and fill out questionnaires from the child's teachers.

Reviewing Conditions
The condition of the child is reviewed by the Social Security Administration (SSA) every 3 years. This is done in cases when the child's condition is expected to improve. Thus reviewing becomes necessary because if the child's condition improves then he would no longer be applicable for the same.

Adult Status
The Social Security Administration reviews the condition of the child when he officially becomes an adult (18 years). If the child is still considered disabled, then adult SSDI benefits will be continued to be given. In that case all the benefits applicable in case of 'Adult SSDI benefits' shall apply. For example, these benefits are given to those who have been regularly paying the social security taxes and have become disabled recently.

Other Conditions
A child may also get these benefits if his parents were receiving the disability benefits and have died. These are called 'adult child' benefits. These benefits are given to those who have become disabled before they turned 22, thus being unable to build a work record. In such a case, where the parents have been paying social security taxes, the SSA grants these benefits as an insurance coverage for those services. It is considered as a child's benefit because it is paid as a part of the parents social security taxes.

When a child becomes eligible to receive SSI benefits he will be automatically enrolled for the Medicaid program of your state. This program will help you to make payments and afford the prescription medicines and/or other medical expenses involved. One can also see if there is a possibility to qualify for food stamps, which will go a long way in helping one out.

Disability benefits for children is definitely a great help for families who have disabled children. Knowing that there are programs and grants which are drawn out to help such children is a comforting feeling for people who have to suffer through the pain.

By Rujuta Borkar

source - buzzle.com/articles/disability-benefits-for-children.html



Friday, 25 November 2011

Using the disability grants to pay off your debts

Using the disability grants to pay off your debts

If you are disabled and if you are not able to join a job as a result of your disability, you can try to get the disability grants from the government. The disability grants are offered by the federal and also the state and local governments. If you are able to get these grants, you can even use that money for your everyday expenses and also to pay off your debts. One of the best ways to pay off the debts (unsecured) by using the disability grants is by opting for consolidation of debt. This is going to reduce the number of debts that you have and the interest rate on the debt and thus, you will easily be able to use the money from the disability grants and become debt free.http://grantsdisabled.com/

Disability grants and debt pay off
If you want to receive a grant from the government, you will have to be in the most dire-some circumstances. For example, you will have to have no assets like no collateral so as to repay the debts that you have. In addition, you will have to demonstrate the inability that you have which is your disability.

However, the sum that you are going to get through the disability can’t be big enough to help you in both paying off debts normally and also in managing the everyday expenses. So, what can you do and how can you use the disability grants to handle all of the expenses and pay off debts too?

In order to do that, you will have to start budgeting, manage and lower the expenses as much as possible so that you can save money on the expenditures. You can use a budgeting tool in order to get the right budget. The budgeting tools are also available for free from various websites. In addition to budgeting, you will have to try and go for the consolidation of debt so that you can actually bring down the number of debts you are required to make payments on each month.

With the consolidation, another great thing that happens is it helps in lowering the interest rate on your debt too. As this happens, you are required to make only one payment on the debt and that too quite a small one in comparison to the previous payments that you were required to make. So, what you need to do other than budgeting is consolidate the debts. You can consolidate the debts on your own or else if you think that you can’t do all of these on your own because of your disability, you can try to get the help of a debt consolidation company who is going to help you with the consolidation of debt.

Thus, you can see that you can use the disability grants that you can get from the government to handle your daily expenses, for the medical costs and also to pay off our debts.
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