Navigating government financial assistance and support programs for your child with special needs may feel overwhelming - but knowing what’s available can make a big difference in your lives. Here’s a breakdown of some key programs that may benefit children with special needs.
Social Security’s SSI for Children
Social Security’s SSI program offers financial support specifically for children with disabilities and their families. It also provides resources to assist transition-aged youth, ages 14–17, in preparing for adulthood, including tools and guidance to help navigate this important stage of development and plan for their future.
Social Security Disability Insurance (SSDI)
Social Security Disability Insurance (SSDI) provides income support to individuals with disabilities who have a sufficient work history and have paid Social Security taxes. To qualify, applicants must meet earnings requirements and demonstrate that their disability is severe enough to prevent them from performing substantial gainful activity. The program is designed to offer financial stability to those whose ability to work has been significantly impacted by their disability.
Plan to Achieve Self-Support (PASS)
If you or someone you know is 15 years or older and receives SSI, a PASS plan can be a game changer. This program allows individuals to set aside income and resources to pursue an employment goal with Social Security’s approval. The funds can be used for education, training, equipment like a computer or vehicle, or transportation.
Medicaid
In most states, children who qualify for SSI are also eligible for Medicaid, which covers health care costs and often supports residential, day, and employment programs. Eligibility and specific services may vary by state.
Children’s Health Insurance Program (CHIP)
CHIP provides comprehensive health coverage for children under 19 whose families can’t afford private insurance but earn too much to qualify for Medicaid. Funded by federal and state programs, CHIP ensures that more families have access to essential health services.
Temporary Assistance for Needy Families (TANF)
TANF offers financial support to families, including those raising children with disabilities. These state-administered programs include services like childcare assistance, job preparation, and work support. Eligibility and benefits vary by state, but TANF is available to families in need across the U.S.
Supplemental Nutrition Assistance Program (SNAP)
SNAP helps individuals and families with limited income access nutritious food. Although this federal program is open to all who meet income and resource requirements, there are specific provisions for individuals with disabilities.
Housing Choice Voucher Program (Section 8)
The Housing Choice Voucher Program (Section 8) helps low-income individuals and families, including those with special needs, access affordable, safe, and decent housing in the private rental market. The program subsidizes a portion of the rent, with eligibility determined on a sliding scale based on income and family size. Participants can choose their housing, including apartments, townhouses, or single-family homes, as long as the property meets HUD’s Housing Quality Standards. Administered through local Public Housing Agencies (PHAs), the program aims to reduce housing costs and provide stability, though demand often exceeds availability, leading to waiting lists.
By exploring these programs and resources, you can take steps toward securing a brighter, more stable future for yourself or your family. Every journey starts with the right support, and these tools are here to help you on your way.
The Special Needs Planning Center by CommunityAmerica can help you navigate financial planning for your children with special needs. An experienced ChSNC™ certified Wealth Advisor is here to help you.
