BackNavigating the Complex World of Benefits
Posted on 07/30/24 in Independent Living
By Barbara Judah, Director of Benefits and Employment Services
What services are available to help?
People with disabilities need help coping with the everyday costs of living and the ability to pay for their healthcare. Fortunately, there are a variety of government options, each with different conditions for qualification, to pursue. This is where expert assistance makes all the difference. Available support could include Supplemental Security Income (SSI), Medicare, Medicaid, Social Security Disability Insurance (SSDI), or VA disability benefits. There are many avenues to pursue depending on the individual.
- SSI: This program pays benefits to adults and children with disabilities, as well as people over 65 who are not disabled but who have limited income and resources. There are no work requirements.
- Medicare: is a federal health insurance program for those 65 and older and those with disabilities and end-stage renal disease.
- Medicaid: a joint federal/state program which provides coverage for health and other related services for the most economically disadvantaged populations, including low-income children and their families, low-income seniors, and low-income people with disabilities.
- SSDI: People with disabilities might be eligible for SSDI if they meet strict medical and work requirements and have paid into Social Security. Usually available if the disability has prevented a person from working for a year or more.
- VA disability benefits: If a service-related injury or illness is present, there are several veteran disabilities benefits available. These include Veterans Affairs (VA) disability payments and housing support.
What are other services?
Employment is an option to promote the independence and self-sufficiency of adults with disabilities. The process is to create an individualized plan of action leading to employment that is appropriate and meaningful for that person. However, there must be a consideration of the income limits and restrictions under Social Security.
Adapted recreation is an important strong socialization and confidence building tool. It also has the role of introducing people with disabilities to other people in their peer group. At LEAP, this takes the form of activities such as bowling, walking clubs, basketball, bingo, art classes, and dances. Our program is called Quantum LEAP (QL).
Building Independent Living!
For many people with disabilities, living independently requires knowledge, planning, and support. Starting with benefits navigation builds the solid foundation of income and healthcare security for those who have recently become disabled and for those who need updates of their options. It is an important step to help ensure that individuals understand their current options for home/community-based services & support and are ready for the adventure of independent living.
Impact on People with Disabilities
The objective is equal access to society & all services, programs, activities, resources, and facilities for people with disabilities. This is a critical part of creating a community of equal opportunity, regardless of disability.