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Financial Assistance and Support Services for People with Disabilities

Explore a wide range of programs and tools to help with housing, taxes, medical bills, service and emotional support animals, and more.

How Do I Get Help With My Medical Bills?

Learn how to find help from the government with medical bills and insurance options.

Medicaid and CHIP (Health Care for Children)

What help is available?

Medicaid and the Children's Health Insurance Program (CHIP) provides help with paying medical costs for children of families who cannot afford health insurance or don't get it through their work. Learn more about eligibility and how to sign up for Medicaid and CHIP

Social Security and Medicare

What help is available?

) offices help those on Social Security and Medicare find help. People over 65, people with disabilities under 65, and people with end-stage kidney disease are eligible for Medicare. Learn more about how to apply for Medicare

Medicaid for Adults

What help is available?

You may qualify for Medicaid, a joint federal and state program that helps with medical costs for some people with limited income from the .

Am I eligible?

Each state has different rules about eligibility and applying for Medicaid for adults.

How do I apply?

Each state has different application requirements for Medicaid for adults. to see if you qualify and to learn how to apply.

Health Insurance Through the Health Insurance Marketplace

What help is available?

helps you find insurance options, compare care, learn about preventive services, and more. If your employer does not offer insurance, you are self-employed, or you prefer to purchase your own insurance, you and your family can get health, dental, and vision insurance through the .

Am I eligible?

Everyone is eligible for health insurance through the Marketplace. You may also qualify for subsidies to help pay your premiums. runs from November 1, 2018, to December 15, 2018. If you’ve experienced certain life changes, like loss of a job or childbirth, you may be eligible to make changes to your health insurance in a .

How do I apply?

Đang chơi bàiHow you apply for a plan in the Health Insurance Marketplace depends on what plan you choose. .

How do I complain or where do I call for extra help?

Visit the Health Insurance Marketplace's top questions section for additional help with finding or applying for health care. To file a complaint, call 1-800-318-2596 (TTY: 1-855-889-4325).

Is there anything else I need to know?

Đang chơi bàiIf you need more help getting or paying for medical care, try these resources:

  • Contact your state or local social services agencies to find out if you qualify for any health care programs in your area.
  • offer free or low-cost medical services including prenatal care.
  • Research institutes including the and the often list and studies that are seeking participants for research on medications and certain medical conditions.
  • Find out how you may be able to lower the cost of your prescription drugs and medical devices.
  • Charity care programs help uninsured patients who can't afford to pay their medical bills and don't qualify for government aid. The patient services department of your can help you find out if you're eligible. Reach out to the hospital before your medical service and explain your situation. If you don't qualify, the hospital may offer you a payment plan.
  • Learn about your from local and state health programs, government insurance plans, dental schools, and dental clinical trials for people with limited incomes.
  • You may qualify for to help with eye exams, surgery, prescriptions, or glasses.

If you are uninsured or underinsured and must seek emergency medical treatment:

Under the , you're guaranteed access to an emergency medical evaluation, even if you can't pay. The act requires hospitals that receive Medicare funding and that provide emergency services to evaluate anyone who comes to their emergency room and requests treatment. If the evaluation confirms that you have an emergency medical condition, including active labor, they are then required to provide stabilizing treatment for you regardless of your ability to pay.

  • Housing Choice (Section 8) voucher programs

  • Learn about eligibility, how to apply, and more for each of these programs.

    • You may also be eligible for a NED vouchers help people who are not seniors and have a disability get housing in a development set aside for seniors.


    • Đang chơi bàiIf you’re buying a home, can help pay mortgage and homeownership expenses.

    • offers loans and grants to homeowners in rural areas who:

      • Remove health hazards

      • Đang chơi bàiMake home modifications to accommodate a household member with a physical disability.

      • If you are a veteran with a service-connected or age-related disability, you may be eligible for a housing grant to build or modify a home for your needs.

    Independent Living Skills

    • Đang chơi bài can help you develop skills to live on your own with a disability.

    Contact your state to find out how its department of human services or disability office may be able to assist with:

    • Đang chơi bàiModifications

    • Housing counseling

    • Locating rental housing

    • Independent living skills

    How do I complain?

    Đang chơi bàiYou may need things like ramps, grab bars, or service animals. Housing providers cannot deny someone housing because of a disability. And they cannot refuse to make reasonable accommodations for a tenant with a disability. and if you feel that you’ve been a victim of housing discrimination.

    can help.

    Get Financial Help Buying a Vehicle or Modifying It for Disabilities

    Đang chơi bàiStart by contacting your . The agency can point you to state grant and loan programs that may help cover costs. You can also look into . Depending on your situation and where you live, these can include:

    • Local nonprofit organizations

    • Your car insurance

    • Workers’ compensation

    • Vehicle manufacturers

    • Đang chơi bàiTax assistance

    If you’re a service member or veteran with a disability, you may qualify for help from the Department of Veterans Affairs to help pay for vehicle modifications.

    Find and Get Help Paying for a Driver Rehabilitation Specialist

    A will identify the best vehicle modifications for you. They'll give you advice on buying an adapted vehicle. To find a qualified DRS in your area, check with your local rehabilitation center.  

    Get Help Paying for an Evaluation

    You may be able to find sources to cover part or the entire cost of your DRS evaluation.

    Check with your:

    • State

    • State

    • Health insurance company

    Find a Qualified Mobility Dealer

    Your DRS or rehabilitation agency can help you locate a qualified mobility equipment dealer to:

    • Make sure you .

    • .

    Get Training for Your Vehicle’s New Disability Equipment

    Đang chơi bàiYour DRS can provide hands-on training in using your new equipment, which may be complex. Your or may pay for the training.

    , dogs may qualify as service animals. In some cases, the ADA also recognizes miniature horses as service animals.

    Đang chơi bàiUnlike service animals, emotional support animals do not typically perform specific tasks. Instead, they serve as companions to people with disabilities. They are not considered service animals under the ADA, but some state and local governments permit people to take them into public places.

    Apply for a Service Animal

    Đang chơi bàiIf you are thinking about getting a service animal, first contact your medical provider. Find out if your disability is covered under the ADA and whether you need a service animal. Your doctor can help provide medical documentation and find a training program. You can also explore a list of service animal programs online. Before deciding on a program, make sure you research each organization carefully.     

    Learn What Service Animals Do

    Đang chơi bàiCommon tasks include:

    • Đang chơi bàiGuiding a person who is blind 

    • Alerting someone who is deaf 

    • Aiding and protecting a person who is having a seizure 

    • Alerting a person with diabetes of high or low blood sugar 

    • Đang chơi bàiAssisting someone in a wheelchair 

    • Calming a person with Post Traumatic Stress Disorder (PTSD) during an anxiety attack   

    Learn Your Rights with Service and Emotional Support Animals

    Housing - By law, housing providers must allow the use of service or emotional support animals by people with disabilities. This ruling was enacted as part of the Fair Housing Act. .

    Public Spaces and Businesses - According to the ADA, service animals may go with people with disabilities in places where the public can go. This law applies to state and local governments, businesses, and nonprofits that serve the public. Under certain state and local government laws, you may bring emotional support animals into public places.. These questions involve rules about dealing with service animals, their handlers, and more.

    Travel - The Air Carrier Access Act (ACAA) allows people with disabilities to travel with a service animal or emotional support animal. You may need documentation to .

    Learn About Service and Emotional Support Animals for Veterans

    The VA provides guide dogs for blind or visually impaired veterans. It also offers service dogs for veterans with other disabilities. Benefits include veterinary care and equipment through VA Prosthetics and Sensory Aids. . 

    Currently, the VA does not provide service dogs for veterans with mental disorders, such as PTSD. However, research is underway to see if dogs can help treat PTSD and its symptoms. .

    Đang chơi bài . It can help you pay for education, housing, health, and other qualified disability expenses.

    Who Is Eligible for an ABLE Account? 

    • To be the designated beneficiary (owner) of the account, you must be blind or have a medical disability which occurred before the age of 26.

    • You may open only one ABLE account.

    • Đang chơi bàiYou don’t have to open an account in the state where you live. ABLE accounts are not currently available in every state. However, you can open one in any state with an active ABLE program. .

    Contributing Funds Toward an ABLE Account

    Find out who can contribute to or benefit from an ABLE account. Or, learn about how recently enacted tax laws and regulations apply to ABLE Savings accounts.

    • Đang chơi bàiThe maximum annual contribution limit for your account is $15,000.

    • You can exclude taxes on earnings and distributions (withdrawals) from the account. These deductions can help you pay for qualified disability expenses. 

    Keep in mind, the :

    • If you work, you can contribute your compensation toward your account along with the $15,000 limit. But, this additional contribution cannot be above the income.

    • Đang chơi bàiYou may for your contributions to your ABLE account.

    • Families can transfer or rollover funds from a 529 plan to an ABLE account. The account can benefit the account holder or another family member. This counts toward the $15,000 annual contribution limit.

    More Important ABLE Account Information

    , including:

    • Đang chơi bàiWhere you can open an ABLE account

    • Đang chơi bàiWho can contribute to your account

    • Đang chơi bàiExamples of qualified disability expenses

    • Đang chơi bàiHow other federal programs, such as Supplemental Security Income (SSI) and Medicaid, can affect your account. 

     offers free tax preparation help for people with disabilities. near you.

    Đang chơi bài (3676) to learn more about the services of VITA and what you should bring to your appointment. 

    Accessible Tax Forms and Other Help 

    • Contact for information on services for people with disabilities.

    • Find tax forms and publications for people with disabilities at . You’ll find a list of tax products to download that are accessible to a wide range of people. For hard copy Braille or large print, call the IRS at 1-800-TAX-FORM (1-800-829-3676Đang chơi bài). Keep in mind, wait times may be long.

    • Use the created by the IRS.

    • People with hearing impairments can contact the IRS by TTY/TDD 1-800-829-4059


    (NCD) is an independent federal agency that makes recommendations to the president and Congress to improve the quality of life for Americans with disabilities and their families. The NCD works to empower individuals with disabilities and to promote equal opportunity.
  • The (NDRN) provides legally based advocacy services for people with disabilities in the U.S.
  • The U.S. Department of Education's (OSERS) provides training and information for parents of children with disabilities and to people who work with them.
  • The U.S. Department of Education has to find educational resources and programs for people with disabilities.
  • The U.S. Department of Housing and Urban Development's (HUD) offers resources and answers questions about the housing rights of people with disabilities, and the responsibilities of housing providers and building and design professionals according to the federal law.
  • (NLS) administers a free loan service of recorded and Braille books and magazines, music scores in Braille and large print, plus specially designed playback equipment. Service is also extended to eligible American citizens residing abroad. While NLS administers the program, direct service is provided through a national network of .
  • (NCHPAD) is a resource center that works to help people with disabilities get healthier by participating more in all types of physical and social activities. NCHPAD also trains service providers to make their programs more inclusive.
  • is a global organization that changes lives by promoting understanding, acceptance and inclusion among people with and without intellectual disabilities through year-round sports, health, education and community building held around the world.
  •  (AFB) removes barriers, creates solutions, and expands possibilities so people with vision loss can achieve their full potential.
  • Telecommunications Relay Services

    Đang chơi bàiTelecommunications relay services for people with hearing or speaking disabilities link telephone conversations between individuals who use standard voice telephones and those who use the text telephones (TTYs). Calls can be made from either type of telephone to the other type through the relay service.

    Local Relay Services

    States provide relay services for local and long distance calls. Consult your local telephone directory for information on the use, fees (if any), services, and dialing instructions for your area.

    Federal Relay Service

    The is a program of the U.S. General Services Administration (GSA). It provides access to TTY users to conduct official business nationwide with and within the federal government. The toll-free number is 1-800-377-8642. For more information on relay communications or to obtain a brochure on using the FRS, please call toll-free 1-800-877-0996.

    Other Telephone Services

    If you use a TTY, you can receive operator and directory assistance for calls by calling toll-free 1-800-855-1155. Check the introductory pages of your local telephone directory for additional TTY services.

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    Last Updated: November 30, 2020