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



Tuesday 3 July 2012

Students With Disabilities in Charter Schools

Students With Disabilities in Charter Schools

Charter schools have become a hot topic across the country, with the number of charters exploding in recent years. In the two decades since they were first established, charter schools have become a key part of the public education landscape. By 2008, more than 1 million students were enrolled in public charter schools—representing about 3 percent of the total population of students in U.S. public schools.16 Though many American students are now enrolled in public charter schools, there has been growing concern about how students with disabilities are served in the charter school environment. As more and more parents consider charter schools as an alternative to noncharter public schools for their children with special needs, special education in charters deserves a critical look. In this info brief, we examine the challenges and successes of special education in charter schools, including issues related to enrollment, legal identity, infrastructure, school choice, and virtual charters.

Challenges

While reports of discrimination, underenrollment, and "counseling out" of students with disabilities are alarming, researchers have found that many of the challenges related to special education in charters stem instead from a lack of knowledge, funding, preparation, or capacity.2,7 Charter schools may face several unique challenges when it comes to providing special education, including the following:

Enrollment of students with disabilities
Legal identity of charter schools
Special education infrastructure
Relative newness of charters
School choice vs. least restrictive environment regulations
Enrollment of Students With Disabilities in Charters

Critics of charter schools have argued that charters enroll students with disabilities less frequently than public schools, particularly when it comes to students with more severe disabilities, who may be more difficult or costly to educate.1, 2, 7 These criticisms are supported by anecdotal research suggesting that some charters had "counseled out" students with disabilities—that is, they had discouraged parents and caregivers of students with more severe special needs from enrolling in their school, suggesting that the school was not prepared to meet those needs.1, 2, 5 Adding to the controversy surrounding charters and students with special needs, comparisons of charters with noncharter public schools often highlight considerable segregation, with low-income students, English language learners, and students with special needs enrolled at lower percentages in charters.2

Confusion Over Legal Identity of Charters

Legal identity has presented a significant challenge for many charters when determining where and how to provide special education services. Depending on state law, a charter may be considered a separate local education agency (LEA), or it may be considered "linked" to an existing LEA. The degree of linkage with an existing LEA means that charters may occasionally share responsibility for special education with an LEA or may be solely responsible for service provision.1, 9, 12 These partnerships and allocations of responsibility can vary widely among states, and even within states. Confusion about who is legally responsible and required to provide specific services can mean that students with special needs do not get the services they need.


Source: http://www.ldonline.org/article/43436/

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