Can You Get Financial Help for Autism

Discover financial assistance options for autism families. From grants to government programs, find the support you need.

Published on Sep 05, 2024

Financial Assistance for Autism

When it comes to the financial costs associated with autism, families may wonder if there are options available to receive financial assistance. Fortunately, there are various funding organizations and government support programs that can provide assistance to individuals and families affected by autism.

Funding Organizations

Private and non-profit organizations play a significant role in supporting individuals with autism and their families. These organizations provide research funding, support, and information related to autism and other developmental disabilities. They aim to improve the lives of individuals with autism by offering resources and services. Examples of funding organizations can be found on the IACC website.

Government Support Programs

The government also offers support through various programs designed to assist individuals with autism and their families. Two notable programs are Supplemental Security Income (SSI) and Social Security Disability Insurance (SSDI). SSI is available for individuals aged 65 and older, blind, or disabled, while SSDI is available for adults with a disability that began before age 22. These programs provide access to financial resources to meet the needs of individuals with autism. To learn more about these programs and other government support options, visit the ABT Behavioral Analysis Therapy blog.

Understanding the available financial assistance options is crucial for families navigating the financial challenges of autism. It's important to explore these funding organizations and government programs to determine eligibility and access the support needed. Additionally, families may also consider other avenues such as ABLE accounts, which are private tax-advantaged savings accounts specifically designed for individuals with disabilities. These accounts allow families to save for long-term expenses without affecting eligibility for public benefits like Medicaid and SSI.

Furthermore, community assistance programs administered by non-profit organizations and community action agencies can provide additional support. Although not specific to autism, these agencies offer services such as rental assistance, energy assistance, food programs, case management, and emergency aid. They aim to provide financial assistance to families struggling to meet their basic needs, including those affected by autism. To find out more about these programs, consult resources like the blog.

By exploring funding organizations, government support programs, and community assistance options, families can access the financial assistance they need to navigate the challenges associated with autism. It is essential to research and understand the specific eligibility requirements and application processes for each program or organization to maximize the available support.

Social Security Benefits

For individuals with autism and their families, navigating the financial aspects can be challenging. However, there are government support programs available that offer financial assistance. Two key programs in the United States are Supplemental Security Income (SSI) and Social Security Disability Insurance (SSDI).

Supplemental Security Income (SSI)

Supplemental Security Income (SSI) is a monthly government payment through Social Security designed to support people aged 65 and older, blind, or disabled, including individuals with autism who may be eligible for financial support [1]. SSI provides funds to help meet basic needs such as food, shelter, and clothing.

To qualify for SSI, individuals must meet certain eligibility criteria, including having limited income and resources. The income and resource limits vary by state. The amount of SSI payment also varies based on factors such as living arrangements and other sources of income.

Social Security Disability Insurance (SSDI)

Social Security Disability Insurance (SSDI) is another program that provides financial benefits to individuals with disabilities, including those with autism. SSDI is available for adults with a disability that began prior to age 22. It is paid on a parent's Social Security earnings record and continues as long as the individual remains disabled [1]. The amount of SSDI payment depends on the parent's work history and earnings.

It's important to note that eligibility for SSDI is determined using adult rules, even though the disability must have started before the age of 22. The individual's medical condition and ability to work will be assessed to determine eligibility for SSDI benefits.

These Social Security benefits can provide much-needed financial assistance to individuals with autism and their families. However, it's essential to understand the specific eligibility requirements and application process for each program. Consulting with a financial advisor or reaching out to organizations that specialize in autism support can help navigate the application process and ensure all available resources are explored. For more information on autism-related financial support, refer to our articles on is autism funding taxable and how much does an autism evaluation cost?.

Medicaid Waivers

1915(c) Home and Community Based Services

For families seeking financial assistance for autism-related expenses, Medicaid Waivers can be a valuable resource. One such waiver is the 1915(c) Home and Community Based Services (HCBS) waiver. These waivers, available in most states, aim to provide support services and care for individuals with developmental disabilities, including autism, allowing them to stay at home or in the community instead of an institution.

The 1915(c) HCBS waivers vary by state, but they generally offer coverage for a range of services that support individuals with autism. These services may include:

Medical treatments: Medicaid Waivers can cover various medical treatments related to autism, such as therapies, medications, and specialized interventions.
Respite care: Respite care services provide temporary relief to caregivers by offering short-term care for individuals with autism. This allows caregivers to take a break and recharge.
Transportation: Medicaid Waivers may include transportation services to help individuals with autism attend medical appointments, therapies, or community activities.
In-home support: These waivers often provide in-home support services, such as personal care assistance and supervision, to help individuals with autism navigate their daily lives.
Community integration: Medicaid Waivers can support community integration by funding programs and activities that encourage social interaction and inclusion for individuals with autism.

Coverage and Services

The specific coverage and services offered under the 1915(c) HCBS waivers can vary depending on the state. It's essential to consult with your state's Medicaid office or visit their website to understand the eligibility criteria, application process, and the specific services covered by the waiver in your state.

To access the Medicaid Waiver programs, individuals with autism must meet certain eligibility requirements, which typically include a diagnosis of autism or a related developmental disability. Additionally, there may be income and asset limits to qualify for these programs.

Medicaid Waivers, such as the 1915(c) HCBS waivers, play a crucial role in providing financial assistance and support to families with autism. They enable individuals with autism to receive necessary services and care while remaining in their homes and communities. To learn more about other financial assistance options and resources available for autism families, explore the other sections of this article, such as Funding Organizations and Government Support Programs.

Achieving a Better Life Experience (ABLE) Act

The Achieving a Better Life Experience (ABLE) Act of 2014 introduced ABLE accounts, which are private tax-advantaged savings accounts for families of individuals with disabilities. These accounts were designed to help families save for long-term expenses without affecting eligibility for public benefits like Medicaid and Supplemental Security Income (SSI) [1].

ABLE Accounts Overview

ABLE accounts are an important financial tool for families with individuals on the autism spectrum. These accounts allow families to set aside funds to cover qualified disability expenses, such as education, housing, transportation, and healthcare costs. Contributions to ABLE accounts can be made by the account owner, family members, or friends, up to a certain annual limit.

One of the key benefits of ABLE accounts is that the funds held in these accounts are not counted as assets for means-tested federal programs like SSI and Medicaid. This means that individuals can maintain eligibility for these important benefits while still saving for their future needs.

It's important to note that each state is responsible for establishing and operating its own ABLE program. As of April 2016, over 40 states have enacted ABLE laws, providing families with the opportunity to open these tax-advantaged savings accounts [1].

Eligibility and Benefits

To be eligible for an ABLE account, an individual must have a qualifying disability that occurred before the age of 26. This includes individuals with autism spectrum disorder. Eligibility is not contingent on the level of disability or the individual's current age.

Some of the benefits of ABLE accounts include:

Tax advantages: Contributions made to ABLE accounts grow tax-free, and withdrawals used for qualified disability expenses are also tax-free. This allows families to maximize their savings and stretch their funds further.
Flexibility: ABLE accounts provide flexibility in managing funds. The account owner or their authorized representative has control over how the funds are spent, giving them the ability to address their unique needs and priorities.
Supplementing public benefits: ABLE accounts can be used to supplement public benefits like SSI and Medicaid. By saving in an ABLE account, individuals can cover additional expenses that may not be fully covered by these programs.

It's important to review the specific guidelines and regulations of your state's ABLE program, as they may vary slightly. Additionally, it's recommended to consult with a financial advisor or specialist who can provide personalized guidance based on your family's specific circumstances.

In summary, the ABLE Act has provided families of individuals with disabilities, including those on the autism spectrum, with a valuable tool for financial planning. ABLE accounts offer tax advantages and flexibility while ensuring that eligibility for critical public benefits is not affected. These accounts can play a significant role in empowering autism families to secure a brighter financial future.

Community Assistance Programs

For families seeking financial help for autism, community assistance programs can be a valuable resource. These programs are often provided by non-profit organizations that are funded by state and federal sources. While their services are not specific to autism, they offer support to low-income residents, including those affected by autism, by providing various forms of financial assistance.

Non-Profit Support

Community Action Agencies are one example of non-profit organizations that administer assistance programs for low-income residents in the United States. These agencies receive funding from both state and federal sources and aim to help individuals and families meet their basic needs. Although their services are not specifically tailored to autism, they can offer support to families struggling financially, including those impacted by autism [2].

Non-profit organizations like Community Action Agencies offer a range of assistance programs, such as:

Rental assistance: Providing financial support to help individuals and families afford safe and stable housing.
Energy assistance: Helping with energy bills and weatherization services to improve energy efficiency.
Food programs: Assisting with access to nutritious food through food pantries or food vouchers.
Case management: Offering guidance and support in navigating various services and resources.
Emergency aid: Providing immediate financial assistance during crises.

While the availability of funding may vary, these non-profit organizations can help connect individuals with financial assistance programs available in their specific area. It is important to note that the funding for these programs is often limited, and eligibility criteria may apply. Contacting local Community Action Agencies or similar organizations can provide more information on the specific programs and support available in your area.

Assistance Services

In addition to non-profit support, there are various community assistance services available that can help individuals and families affected by autism. These services may include:

Education and advocacy: Providing information and support to navigate educational systems and advocate for appropriate services for individuals with autism.
Support groups: Offering a space for individuals and families to connect, share experiences, and access emotional support.
Respite care: Providing temporary relief and support to caregivers of individuals with autism, allowing them to take a break and recharge.
Counseling and therapy: Offering mental health services and therapy options to individuals with autism and their families.
Recreation and social programs: Organizing activities and programs that promote socialization and inclusion for individuals with autism.

These community assistance services can vary depending on the location and resources available in your area. It is advisable to reach out to local autism organizations, support groups, or community centers to explore the services and resources available to you.

By accessing the support provided by non-profit organizations and community assistance services, families affected by autism can find financial assistance and resources that can help alleviate some of the challenges they may face. While these programs may not be specific to autism, they can offer valuable support in meeting basic needs and accessing essential services.

Specialized Grants and Programs

For families seeking financial assistance to support the needs of individuals with autism, there are specialized grants and programs available. These resources aim to provide additional support for expenses that may not be fully covered by other funding sources such as insurance or school districts. Two notable programs in this category are Autism Care Today’s Quarterly Assistance and United Healthcare Children's Foundation Grants.

Autism Care Today’s Quarterly Assistance

Autism Care Today’s Quarterly Assistance Program offers real help for families by directly paying a child’s service provider for various services that they may not be able to afford otherwise. The program covers a wide range of services, including Applied Behavior Analysis Therapy, speech and occupational therapy, bio-medical testing, supplements, assistive technologies, safety equipment, social skills groups, special needs summer camps, and more [3].

This program aims to alleviate the financial burden on families and ensure that individuals with autism receive the necessary support and services to thrive. By directly paying the service providers, families can access the services they need without worrying about the associated costs.

United Healthcare Children's Foundation Grants

The United Healthcare Children's Foundation (UHCCF) grants provide financial assistance to families with children who have medical needs that are not fully covered by their commercial health insurance plan. These grants can be particularly helpful for families seeking support for their child's autism-related expenses.

The UHCCF grants aim to bridge the gap between what insurance covers and the actual costs of necessary medical services and treatments. Families can apply for grants to help cover expenses such as therapy, assistive technology, medical equipment, and other critical needs [3].

By offering financial assistance through these grants, the UHCCF aims to ensure that children with autism receive the necessary care and support to reach their full potential.

These specialized grants and programs, such as Autism Care Today’s Quarterly Assistance and United Healthcare Children's Foundation Grants, provide valuable support for families seeking financial assistance for their child's autism-related needs. It's important to explore and take advantage of these resources to help alleviate the financial burden and ensure individuals with autism receive the necessary support and services they deserve.