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



Saturday 7 July 2012

Study funding for disabled students

Study funding for disabled students

Do I have to pay tuition fees?

In England, Wales and Northern Ireland you can get free education up to the age of 19 (or up to 25 if you're doing your first Level 3 qualification). After this, ask the college directly if they offer discounts for disabled students, especially if you find it hard to work, or if you get a means-tested benefit. In Scotland, you don't have to pay fees for full-time FE courses. Part-time disabled students in Scotland can also study for free if they are on benefits.

Who pays for my disability support costs?

In further education you can expect your college to pay for extra educational costs. They use their Additional Learning Support funds (Scottish students get an Additional Support Needs for Learning Allowance instead) to assist learners with disabilities or learning difficulties. Support includes:
Extra tutorial help
Sign-language interpreters
Changing the height of desks
Providing handouts on different colour paper or in a larger font
If you need a computer with special software the college should provide one for you to use on campus. However, it remains the property of the college and it's unlikely you'll be allowed to take it home.

Can I get any money towards transport?

The transport situation varies, depending on where you live. There are several organisations involved.
In England and Wales, under Section 509 of the Education Act, local authorities must make sure that students aged 16-19 are not prevented from attending college because of transport difficulties. They are encouraged to provide transport support to disabled students until at least the age of 21, and ideally up to 25. You can find out about the transport policy in your area from the DirectGov website.
In Scotland, it's best to speak to your college to find out if you can get help with travel through a bursary or Additional Support Needs for Learning Allowance.
In Northern Ireland, every case is considered on an individual basis and you need to contact your local Education and Library Board (ELB).
In all areas of the UK, social services have the power to pay for transport, so it's worth asking them if you need extra help getting to and from college.

What can I do if I'm still short of money?

In England and Wales, each college has a Learner Support Fund which can help if you are facing financial hardship. You should contact your Student Support or Welfare Officer for help in applying.
A number of charitable trusts and foundations run their own grant schemes. Skill's information booklet Funding from charitable trusts lists those that support disabled students in particular.

Who pays for me to go to a specialist college?

If the type of education or support you need is not available locally, you may be able to get a place at a specialist college. Most of these colleges are independent and cater specifically for students with disabilities or learning difficulties. They are often residential.

You'll need to get financial support from the Learning and Skills Council or your local authority in England, or the Department for Children, Education, Lifelong Learning and Skills (DCELLS) in Wales. There are no specialist colleges in Scotland, and only one in Northern Ireland, but you may be able to get funding for a placement elsewhere in the UK through a bursary from your local education department or ELB.
A specialist careers or Connexions advisor should be able to help you and your family apply for funding. The basic requirement is to show that your disability needs cannot be met in a local school or college. Social services will contribute towards the costs of a residential college if the programme includes a lot of care and support for your daily living needs.



Source: http://www.thesite.org/homelawandmoney/money/studentmoney/studyfundingfordisabledstudents

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