One of the challenges faced by families with autistic members is the financial burden that comes with the disorder. The cost of medical care, therapy, and specialized education can be overwhelming, and many families struggle to make ends meet.
Fortunately, there are financial assistance resources available to help families cope with the costs associated with autism. These resources can help cover the cost of therapy, medical care, and other expenses related to the disorder.
Some of the financial assistance resources available for families with autistic members include:
- Supplemental Security Income (SSI): SSI is a monthly government payment through Social Security which is designed to support people who are aged (65 and older), blind, or disabled. Individuals with autism may be eligible to receive SSI to help support them financially.
- Medicaid: Medicaid is a joint federal and state program that provides health coverage to people with low incomes. Eligibility for Medicaid varies by state, but many states offer coverage to people with disabilities, including those with autism.
- Family Grant Opportunities: Many organizations offer grants to families with autistic members to help cover the cost of therapy, medical care, and other expenses related to the disorder. Autism Speaks, for example, offers several grant opportunities for families with autistic members.
- Emergency Assistance: In some cases, families with autistic members may require emergency assistance to cover unexpected expenses related to the disorder. Some organizations offer emergency assistance programs to help families in need.
Government-Funded Programs
Individuals with autism and their families may be eligible for financial assistance through various government-funded programs. These programs can provide support for healthcare, therapy, education, and other services.
Medicaid Waivers
Medicaid is a government-funded program that provides healthcare coverage to low-income individuals and families. Medicaid waivers are available in many states and can provide additional services to individuals with disabilities, including autism. These waivers can cover a range of services, such as respite care, behavioral therapy, and home modifications. Eligibility requirements and available services vary by state, so it’s important to check with your state’s Medicaid program for more information.
Social Security Benefits
Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) are two government-funded programs that provide financial assistance to individuals with disabilities, including autism. SSDI provides benefits to individuals who have worked and paid Social Security taxes, while SSI provides benefits to individuals with limited income and resources. Both programs require a medical diagnosis and have specific eligibility criteria. Individuals with autism may also be eligible for benefits through a parent’s or spouse’s work history.
State-Specific Assistance
In addition to federal programs, many states offer their financial assistance programs for individuals with autism and their families. These programs can include cash assistance, healthcare coverage, and other services. Eligibility requirements and available services vary by state, so it’s important to check with your state’s Department of Health and Human Services or disability agency for more information.
Private Insurance Coverage
Private health insurance plans may cover some or all of the costs associated with autism treatment. The coverage may vary depending on the policy and state regulations. It is important to review the policy to understand the benefits and limitations of the coverage.
Some private health insurance plans cover Applied Behavior Analysis (ABA) therapy, which is a widely used treatment for autism. ABA therapy is a structured program that can help improve social, communication, and behavioral skills. The therapy can be expensive, but some private health insurance plans may cover the cost.
Private health insurance plans may cover other autism treatments such as speech therapy, occupational therapy, and physical therapy. The coverage may vary depending on the policy and state regulations. It is important to review the policy to understand the benefits and limitations of the coverage.
It is important to note that private health insurance plans may have deductibles, co-payments, and out-of-pocket maximums. These costs can add up quickly, and families may need to pay a significant amount out-of-pocket. However, some private health insurance plans may offer financial assistance programs to help cover the costs associated with autism treatment. It is important to contact the insurance company to learn about any financial assistance programs that may be available.
Scholarships and Grants
Families with autism often face financial challenges, especially when it comes to accessing the necessary resources and treatment for their loved ones. Fortunately, there are scholarships and grants available to help alleviate some of the financial burden.
Educational Scholarships
One such resource is the Autism Higher Education Foundation (AHEF), which provides scholarships to students with autism who are pursuing higher education. The AHEF scholarship can be used for tuition, books, and other educational expenses. Applicants must be enrolled or accepted into a college or university and provide documentation of their autism diagnosis.
Another scholarship opportunity is the Autism Society of America Scholarship, which awards scholarships to individuals with autism who are pursuing post-secondary education. Applicants must be members of the Autism Society and provide documentation of their autism diagnosis.
Therapy and Treatment Grants
There are also grants available to help families cover the cost of therapy and treatment for their loved ones with autism. The American Autism Association offers a variety of grants and scholarships to help families access therapy and treatment services. These grants can be used for a range of expenses, including behavioral therapy, speech therapy, and occupational therapy.
The Autism Speaks CARES Family Grant Program provides financial assistance to families who need support for their child’s treatment. This grant can be used for a variety of expenses, including therapy, medication, and medical equipment. Applicants must provide documentation of their child’s autism diagnosis and demonstrate financial need.
Fundraising and Community Support
Families of children with autism may need to rely on fundraising and community support to help cover the costs of therapy and other services. Fortunately, many organizations offer financial assistance to families in need.
One such organization is Autism Speaks, which provides Family Services Grants to families affected by autism. These grants can be used to cover a wide range of expenses, including therapy, medical bills, and educational materials. Families can apply for these grants online through the Autism Speaks website.
Another way to receive financial assistance is through community fundraising events. Many local organizations and businesses hold events throughout the year to raise money for families affected by autism. These events can include charity walks, auctions, and benefit concerts. Families can also organize their fundraising events with the help of friends and family.
Support groups can provide emotional support and practical advice for families who are struggling with the challenges of raising a child with autism. Online forums and social media groups can also be a great way to connect with other families and share information and resources.
Tax Deductions and Credits
Families with an autistic child may qualify for various tax deductions and credits that can help ease the financial burden of caring for their child. Here are some of the most common tax deductions and credits available:
Medical Expenses Deduction
Families can claim a tax deduction for medical expenses related to the treatment of autism, including therapy, medication, and doctor visits. To qualify for this deduction, the total medical expenses must exceed 7.5% of the family’s adjusted gross income. For example, if a family’s adjusted gross income is $50,000, they can deduct any medical expenses that exceed $3,750.
Child and Dependent Care Credit
Families with an autistic child who requires care while the parents are at work may qualify for the Child and Dependent Care Credit. This credit allows families to claim up to 35% of their childcare expenses, up to a maximum of $3,000 per child. To qualify, the child must be under the age of 13 and the parents must be working or actively seeking work.
Earned Income Tax Credit (EITC)
The Earned Income Tax Credit (EITC) is a tax credit for low- to moderate-income families. Families with an autistic child may qualify for this credit, which can be worth up to $6,660. To qualify, the family must have earned income and meet certain income limits.
Disabled Dependent Tax Credit
Families with an autistic child who is considered disabled may qualify for the Disabled Dependent Tax Credit. This credit can be worth up to $2,000 per child and is available to families who have a dependent with a physical or mental disability.
It’s important to note that tax laws and regulations can change frequently, so families should consult with a tax professional or use tax software to ensure that they are claiming all available deductions and credits.
