Apply Financial Help For Seniors

The information about financial help for seniors and the different related programs are explained, in short, in the following article. The task of finding financial help should become a bit easier with the data presented below.Old age brings with it, if you are financially not stable, the necessity to find help from government and other sources. The life retirement can be very difficult for those who have not planned for it properly. As the senior citizens run out of money, it becomes difficult for them to sustain and spend rest of the life after retirement. There are few financial assistance programs for disabled people which the senior citizens can benefits from. Let us find about financial help for seniors in detail through this article. Apply Today!!



Financial Help for Senior Citizens

The options of financial help for elderly people are provided in the paragraphs below. These programs and benefits are useful for seniors citizens since, they are left with limited source of income in their old age.

Social Security: The benefits of social security can be availed by people who have worked for minimum 10 years. These people are eligible for retirement benefits. Spouse of person who has worked for 10 years can avail the dependent benefits. The disability benefits are also offered through the social security program. If a person becomes disabled before his retirement age, he/she can avail these benefits. If a retired citizen and his/her spouse both have worked for minimum 10 years, the couple can avail double-benefit. It means that both retirement and dependent benefits are offered to them to smooth the rest of their days.

Tax Advantages: There are few tax advantages/benefits enlisted in the IRS tax code which are useful for senior citizens. Those elderly/senior citizens above the age of 65 years and who have filed either of the tax forms, 1040 or 1040A can benefit from the tax credit called 'Credit'. People over the age of 60 years can receive counseling from volunteers that are IRS trained and they also get help pertaining to free tax return preparation.

Government Programs: The 'Low-Income Home Energy Assistance Program' (LIHEAP) provides financial aid for seniors in the form of grants in order to pay utility bills. Discount for senior citizens is given in the process of availing services such as the telephone, water, garbage collection, satellite TV, cable, etc. One must provide the age-proof in order to gain the discount benefits.

Prescription Assistance Programs: People who cannot afford to pay for prescription drugs can benefit from this financial help for seniors. The 'Patient Assistance Program' (PAP) is offered by pharmaceutical companies. Doctors and pharmacists can help in gaining more information about such programs.



Senior Farm Direct Nutrition Program: The 'Senior Farm Direct Nutrition Program' (SFDNP) is used for providing senior citizens with checks. These checks can be used in purchasing Oregon grown vegetables, fruits and other herbs. Senior citizens interested in the program have to apply for it. Applications are processed at the SPD (Seniors and People with Disabilities) central office.

Senior Financial Care: It is a counseling program for senior citizens over 60 years of age. The different tasks in which senior citizens can be provided with assistance are bill paying, monthly expense management, bank statement reconciliation, credit counseling, medical insurance counseling, reverse mortgage counseling, credit counseling, fraud awareness, debt repayment and information referral. Information about obtaining financial help for seniors can also be found. The information about senior citizen discounts should also prove to be helpful.

The information about financial help for seniors is presented through different programs and schemes. Apart from the social security program and other government programs, there are private sources of funding and concessions available for senior citizens.

By Shashank Nakate

Source - buzzle.com/articles/financial-help-for-seniors.html



Friday 20 July 2012

Single Parents-Single Parent College Grants - Fake Or Fiction?

Single Parents-Single Parent College Grants - Fake Or Fiction?
Yes, there are scholarships and college grants for single parents available but you will have to dig down to find some of these opportunities. If you have ever wanted to know more about single parent college grants then this article will help clear up some of the mystery.
COLLEGE GRANTS FOR SINGLE PARENTS ARE REALLY AVAILABLE
To tell the truth, you will not find any grants that is actually entitled, "Single Parent College Grants". But what you will find is an interwoven network of grants and financial aid packages that are targeted towards certain groups of students. And of course a good number of these packages will overlap to cover the needs of many parents that are single.
The first step any parent wanting to return school, needs to do is to apply for a Pell Grant. Pell grants are completely needs based and don't have to be repaid. Since 1965 the Pell program has been the top choice for many single parent college grants.
Designed for financially troubled and low-income college students, this type of grant for single parents will not only help pay for tuition and books, but also some basic living expenses.
Since these grants are based on your income, you must provide the college a very detailed statement of your current finances and proof of your being a head of household. These single parent college grants not only cover single mothers, but any adult parent who has been divorced, abandoned or left as a sole parent by the disability, death or imprisonment of the other parent.
You must fill out a fairly standard form called the FAFSA or Free Application for Federal Student Aid. All colleges and universities use this same form, so if you can use if to apply for more than one college grant for parents at different schools if you need to.
Once you have applied and been awarded a Pell Grant, the world of scholarships and single parent college grants, is wide open for you. Almost all private and public college grant organizations use the FAFSA and the Pell Grant as the first stepping stone to giving way other college grants for single parents.
There are other "needs-based" grants such as the Federal Supplemental Educational Opportunity Grant (FSEOG). While not designed especially as a parent college grant, the FSEOG is made to help students with exceptional financial needs.
But because this grant is awarded to the applicant with the lowest expected family contributions, it is quite often given to a single parent as a college grant. EFC (expected family contributions) are the amount of money that a family can afford to put in towards a parent's education. And like a Pell grant, this program doesn't have to be paid back. Now that you know the truth about single parent college grants, you will in a better position to learn more about these excellent ways to pay for a college education.
Pieter West travels the world on a regular basis and have written about numerous subjects. He has an extensive knowledge about, finances, DIY, parenting advice and many more subjects.

Source: http://EzineArticles.com/2852229
Tags:single parent
single parent statistics
single parent families
single parent adoption
single parents
single parent family
single parent homes
single parents meet
single parent scholarship
single parenting
single parents dating
single parents dating site
meet single parents
single parent quotes
being a single parent
grants for single parents
single parent housing
single parent vacations
single parent meet
dating sites for single parents
single parent support groups
single parent dating
single parents dating sites
single parents statistics
single parent dating sites
single parent children
dating for single parents
single parent adoptions
single parent dating site
single parent grants
scholarships for single parents
free dating sites for single parents
help for single parents
single parent scholarships
dating single parents
single parents mingle
single parent matcher
financial help for single parents
free single parent dating
single parent assistance
single parent chat rooms
single parent households
single parent travel
free dating websites for single parents
single parent meet.com
single parent help
single parent online dating
single parent groups
single parents online dating
single parenting facts
single parents dating site free
single parent date
single parent support
single parent dating websites
single mom
free single parent dating sites
single parent families statistics
single parent international adoption
single moms
single parent meet up
dating as a single parent
dating site for single parents
singles parents
single parent chat
single mother
singleparent
single parents with children
single parent scholarship fund
dating single parent
single parent network
children of single parents
single parent cruises
single parents date
help for single moms
single parent benefits
single dad
single parents chat
singleparents
what is a single parent
single parents meet.com
single parent websites
online dating for single parents
single mom dating
single parent advice
single dads dating
single parent meet scam
single parent household
single parent link
single parent cruises with kids
single parent fathers
dating websites for single parents
single parents raising children
free money single parents
free single parents dating sites
single parents.com
dating single moms
support groups for single parents
single parent.com
single parents help
dating single mothers
parents without partners


Posted by at 00:44

No comments:

Post a Comment

Subscribe to: Post Comments (Atom)