Disability-Housing Grants for Single Mothers

Disability-Housing Grants for Single Mothers

Single mothers have the formidable task of balancing their workload at home and meeting the demands of their job since they have to care for their family all on their own. The Women, Infants and Children (WIC) program helps women and children, living below the Federal Poverty Level, get adequate nourishment. The program ensures that pregnant and postpartum women and infants and children up to age of 5, can receive checks or food coupons to purchase foods rich in one or more nutrients, viz. protein, iron, calcium, and vitamins A and C. In addition to WIC, the Temporary Assistance To Needy Families Grant (or TANF Grant) helps women take care of children in the comfort of their home and promotes work related opportunities to minimize the dependence of families on government benefits. In addition to these programs, the Federal Government has also instituted housing grants for single mothers. These grants are disbursed to state governments and non-profits who use the funds to provide housing assistance to women.

Federal Housing Grants for Single Mothers

Low-income Families

The Federal Govt. allows women, whose annual household income is less than 50% of the median income for the county or the metropolitan area where they are residing, to receive housing vouchers that are administered locally by public housing agencies (PHAs). Women can choose where they would like to reside and pay the difference between the actual rent charged by the landlord and the amount of subsidy paid by the PHA in lieu of the voucher. Women may also be allowed to purchase the rental home provided the rental unit measures up to PHA standards. These housing vouchers are distributed by a network of 2,400 local, state and regional housing agencies. Today, nearly 2 million low-income families have vouchers. These vouchers may also be used to pay the rent for a home that is currently occupied by the single mothers. It's believed that nearly 54 percent of the vouchers are being used by families with children, 19 percent by people with disabilities over the age of 62 and 17 percent by the elderly.

The government also administers federal aid to the PHAs so that they can maintain, plan and develop public housing units. Today, there are 3300 PHAs that provide accommodation to nearly 1.2 million households. Women who are interested in publicly owned homes should contact the PHAs for further details.

Women can apply for privately owned subsidized housing by visiting the website of the HUD and searching for subsidized private homes. In case of subsidized apartments/homes, the landlords are the direct recipients of the Federal Grant that aims to subsidize housing for people from low income families and for those with disabilities. In general, women whose household income is less than 80 percent of the income of the county where they are residing are eligible to live in privately owned subsidized homes.

Women with Disabilities

Shelter Plus Care Program grants are used for providing Tenant-based Rental Assistance (TRA), Sponsor-based Rental Assistance (SRA), Project-based Rental Assistance with (PRAW) or without rehabilitation (PRA) and Section 8 Moderate Rehabilitation Program for Single Room Occupancy (SRO) Dwellings. These are meant for people with disabilities so that they can receive shelter and supportive services on a long-term basis. Although, housing grants can help women tide over difficult times, women should not rely solely on Federal Aid, rather, they should ensure that they become self-sufficient so that they can provide for their family all on their own.

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Source:http://www.buzzle.com/articles/housing-grants-for-single-mothers.html

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Grants for Disabled Adults

Grants for Disabled Adults

However, the Government review of all benefits, changes to eligibility criteria and the introduction of different methods of assessment is shaking the security of many disabled adults.

This together with cuts in local services and the increased cost of living is worrying many of us about the extra cost of being disabled.

Questions are being asked about how to maintain independence, pay for care, keep a job, fund old age......without the extra funds and support.

Not everyone will need extra help and some may not like to accept money from trusts and charities. It all depends on your own situation.

But the fact is, many are looking at grants to fund essentials for everyday life such as medical equipment, home adaptations, or an education missed through ill health.

And, although charities and trusts are supporting more people with less, they are still able to offer grants for disabled adults - though, not as many as those for disabled children.

With adults, the criteria for grants will be varied - it may depend on your disability, your job, which part of the country you live in, your religion or financial situation.

Visit to: http://disabled-grant.blogspot.com/

Source: http://www.disability-grants.org/grants-for-disabled-adults.html

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Special Personal Grant Schemes For Disabled People

Special Personal Grant Schemes For Disabled People

Leading a disabled life is burdensome not only for an individual suffering but also for the family. In such a situation, government grants for disabled people are no less than miracle and they are in fact the coupons to happiness in the times of personal struggle. 

The disabled person needs extra time to do even simple tasks and requires lots of money in order to lead a normal life. A disabled person has large expenses for different reasons such as expenses incurred on buying of wheelchair, hoists and other alike things. Even travel costs are higher for such people and moreover working hours also get reduced and thus adversely affect their ability to earn and sometimes earnings may get zero posing hardships in their survival.

If any individual under the age of 22 years is suffering from physical or mental disability, then according to federal law, developmental disability is the category of such an individual. To provide help to such individuals, federal government has devised many funding programs to provide support and raise their productivity. 

These grants take care of every aspect of disabled person’s life be it diagnosis, treatment, education and even employment. Grants are also available for guardians or caretakers so as to help them in getting required material and equipments needed by the disabled. Grant is also given to the owner of the house in which the disabled person is living so that house can be maintained in such a way to avoid any trouble to the individual. 

Almost every American state has framed rules under which provisions are made for the both physically and mentally challenged people. Even the United States Department of Housing and Urban Development through its grants had assisted many non-elderly disabled individuals and families to lease houses.

It is viewed by the department that young disabled people often face difficulties in finding safe, suitable, accessible and affordable houses. 

If you are struggling with your life physically and want to achieve your dreams then why not think of grants which have been sanctioned in hundred of million dollars by the government. 

You can not only clear your debt and meet the costs of high medical bills but also can achieve your dream of owning a house. But the need is to take the advantage of the grants being offered. One can apply for more than one disability grant at the same time because if you are not able to qualify for particular one, you may be eligible for another one.

Visit to: http://disabled-grant.blogspot.com/

Source: http://www.articledashboard.com/Article/Special-Personal-Grant-Schemes-For-Disabled-People/1054419

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How To Finance a Wheelchair Accessible Vehicle

How To Finance a Wheelchair Accessible Vehicle

For people in wheelchairs, attaining a wheelchair accessible vehicle can be much harder than it is to attain a non-accessible vehicle. People in wheelchairs need special seating options. Even people with partial mobility will have to have modifications done to their vans and cars in order to comfortably access them for driving or riding as a passenger.

One of the hardest parts of getting a wheelchair accessible vehicle deals with financing. Due to the high cost of wheelchair vehicles and the struggles that many disabled people face concerning employment and living on government disability or social security, for many, a wheelchair van is something they want but are just not able to afford without help.

The good news is that there are financing options for the disabled person who needs a wheelchair vehicle. While it may take a little bit longer to attain a vehicle with access for the handicapped, it is not impossible. All you need is some time to explore the possibilities and go through the process and you could have an accessible van in no time.

Do your research on pricing for wheelchair vans and modifications like wheelchair lifts and ramps - The number one reason people in wheelchairs do not have access to transport is because they cannot afford it. However, there are services that can help you attain a vehicle if you have a plan that is well thought out. You need to know the correct pricing for a van that is accessible and what it would require (any special features) to be suitable for your disability. Once you have a clue as to pricing, you can start finding grants or leasing options that will help you attain a van of your own.

The homework you do will also help you to determine fair pricing. With wheelchair vans, you need to look at two essential costs. The first cost is the cost of the van itself and the second cost is the modifications that are necessary to accommodate the wheelchair. For some people, it may be an option to purchase the van without the modifications and have them equipped with a wheelchair ramp or a wheelchair lift; adding ramps and lifts can be done by a local company if the price is drastically cheaper. While this may give you two loans as opposed to one, it could be easier to find funding for a wheelchair lift or ramp as opposed to the cost of the wheelchair van, and this could save you a significant amount of money in the long run.

Seek grants for wheelchair vehicles - There are numerous nonprofit agencies that offer grants for funding a new wheelchair accessible van for a non-ambulatory person. Of course, as with anything free, you will need to do a little digging to find these places. However, there are many nonprofits out there. If you have a common disability, it is likely there is an organization out there that will help you.

Visit to: http://disabled-grant.blogspot.com/


Source: http://www.howtodothings.com/automotive/a4145-how-to-finance-a-wheelchair-accessible-vehicle.html


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More Support for Students with Disabilities

More Support for Students with Disabilities

On 3 May 2011, the Prime Minister, the Hon Julia Gillard MP, announced the More Support for Students with Disabilities initiative.

Under the More Support for Students with Disabilities initiative, the Australian Government is providing $200 million additional funding to government and non-government education authorities to support their work with students with disability and/or learning difficulties. This is a short-term initiative being delivered over the 2012 and 2013 school years.

This initiative allows education authorities to use the funding to increase support for students with disability by building the capacity of schools and teachers to better meet students’ individual needs. Education authorities have the flexibility to select a range of activities that will best support students, teachers and schools in their jurisdiction. These activities may include the provision of coordinated services by health specialists within a school (e.g. occupational therapy), adapting  curriculum to students needs based on the latest expert advice and provision of assistive technology to support students’ learning in the classroom.

Funding to government education authorities will be provided under a National Partnership Agreement, with funding to the non-government education authorities being provided by aligned funding agreements. Each education authority will set out their selected activities and how they will achieve the objective and outcomes of this initiative. Following approval by the Australian Government, state and territory government Implementation Plans will be made available on the Federal Financial Relations website.

The Prime Minister, the Hon Julia Gillard MP and the Premier of NSW, the Hon Barry O’Farrell MP, jointly announced the NSW Government signing of the National Partnership for More Support for Students with Disabilities on 24 January 2012. As at 30 April 2012 all jurisdictions have signed the agreement.

Visit to: http://disabled-grant.blogspot.com/


Source: http://www.deewr.gov.au/Schooling/Programs/Pages/MoreSupportforSWD.aspx


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Government Grants Aimed to Help You Pay Your Bills and Debt

Government Grants Aimed to Help You Pay Your Bills and Debt

The federal and state governments provide assistance in the form of grants to students and other eligible US citizens. These are non refundable money paid to the people based on their eligibility criteria. In addition, several medical grants are available for individual's particularly disabled people and veterans. Here are some of these small Government Grants programs.

1. Federal Education Grant:

Educational Grants are given to students based on the educational achievements and financial position. These grants are given by Federal Government and provided in the form of Pell Grant or other grants through an application called FAFSA.

2. Other Educational Grants:

The states, educational institutions, private foundations, Corporate organizations provide educational assistance to students depending on the financial position and educational performance.

3. Disability Insurance:

These are given to disabled and aged persons in the form of disability and medical insurance.

4. Disability Cash Benefits:

This cash benefit is given to the qualified disabled worker, blind or disabled individuals, disabled widow or widower, disabled son or daughter etc. Rehabilitaion programs are also given to these categories.

5. Medicare program:

Senior citizens having an age of 65 or above, disabled people less than 65 years of age, people with diseases like kidney failure requiring dialysis and transplant are given health insurance program under this category.

6. Medical Bills Payment:

Senior citizens and disabled people are given assistance to pay the medical bills, doctor fees and hospital charges. Under the new Medical Bill Debt Reduction Program, any individual can reduce the medical expenses after the foundation negotiating with hospitals or doctors to reduce the charges.

7. Children Health Insurance Plan:

The federal government has Insure Kids Now program in which children of eligible low income group workers are provided health insurance for low cost or for free.

8. Childcare Financial Assistance:

For qualified low income families some financial assistance in the form of grant is allowed for meeting child care expenses.

9. Veterans Health Benefits and Services:

This health insurance provides medical and hospitalization expenses to qualified individuals

Visit to: http://disabled-grant.blogspot.com/

Source: http://EzineArticles.com/2968311

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College Grants for Disabled Students

College Grants for Disabled Students

Although every single person carries the potential of becoming disabled every second, most people are not aware of this fact. Therefore, most facilities and services are arranged in a way that only people who are not disabled can benefit from them and this puts disabled people in difficult conditions in their daily lives. However, in the field of education, the situation is a little different. There are many scholarship schemes that are generated specifically for disabled people. With the financial assistance these people can get from different institutions, they can get the education they want without spending too much money. Here are some of these college grants for disabled students.

The National Federation of the Blind is one institution that provides scholarships and grants to blind people. The Dr. Jacob Bolotin Award Program is one of the programs offered by the federation. With this award a total of $50,000 will be allocated. National Federation of the Blind Scholarship Program has a wider scope. Within this program, there are 30 scholarships available ranging from $3,000 to $12,000 for each student winning the scholarship. The scholarship program is available to students residing in the United States, the District of Columbia, or Puerto Rico.

National Association of the Deaf is another institution with scholarship programs for disabled students, this time addressing the deaf. The Stokoe Scholarship offered by this association is available to graduate students who are studying sign language or the deaf community. For the deaf, it is also possible to go to a university specifically designed for them, Gallaudet University. The university also provides assistance to its students as they seek financial aid.

Other than associations and universities specifically for the disabled, there are societies which have grants for them as well. P Buckley Moss Society is one of them. There are three scholarship schemes at this society to which disabled students can apply. These are Judith Cary Memorial Scholarship, Anne and Matt Harbison Scholarship, and P. Buckley Moss Endowed Scholarship. The awards range from $1,000 to $1,500 and are awarded to either high school seniors or those students who are working towards a degree in Special Education at undergraduate or graduate level.

American Association on Health and Disability also has scholarships for students with disabilities. What is different at this association is that all disabled students can apply if they fulfill other requirements. In other words, what your disability is is not important when making an application at American Association on Health and Disability. Students are awarded $1,000. Other eligibility criteria for this scholarship include being a high school student and being enrolled in or accepted by a 4-year university or a graduate program on a full-time basis. Applicants also need to document their disability.

Visit to: http://disabled-grant.blogspot.com/ 


Source: http://EzineArticles.com/6439062


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DISABLED CHILDREN'S GRANTS

DISABLED CHILDREN'S GRANTS

Disabled children face a wide range of challenges depending on the kind and severity of their disability. Some of the things disabled children need, like medical care and education, can be much more expensive than they are for a non-disabled child. Disabled children's grants provide much-needed money so youth in this population can receive access to the services they need to live happy, healthy and fulfilling lives.

Assistance for Indian Children With Severe Disabilities
The U.S. Department of the Interior provides grants to children with disabilities who are enrolled in a federally-recognized American Indian or Alaskan Native tribe or whose parents are enrolled in such a tribe. The grant funding provides special education to disabled children in Indian tribes as well as other services a child might need to access education, such as interpreters and equipment.

IDEA Grants to States
Under the Individuals With Disabilities Education Act (IDEA), every child in the U.S. is entitled to a "free and appropriate" public education. To ensure the needs of disabled children are met, the U.S. Department of Education provides grants to states so that their school districts can supply education to disabled children.

Although parents and children are not directly eligible for IDEA grant money, they are eligible for assistance schools provided with IDEA grant money and may also participate in training programs funded by the Department of Education to help them understand and get the most out of the resources available through IDEA grants.Veterans' Children with Spina Bifida

Children with spina bifida who have at least one parent who served in either Vietnam or Korea may be eligible for grant money through the U.S. Department of Veterans' Affairs. The grant is paid as a monthly allowance. The amount of the allowance depends on the severity of the child's condition. To qualify, a child's parent must have served in Vietnam between January 9, 1962 and May 7, 1975 or in the Korean DMZ between September 1, 1967 and August 31, 1971.

Grants for children of Korean War veterans are only available if the parent was exposed to herbicides during his or her service. The grants do not cover children with spina bifida occulta.

Visit to:http://disabled-grant.blogspot.com/


Sourse:http://www.livestrong.com/article/224915-disabled-childrens-grants/


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Single Parent Families

The Impact of Single Parent Families


There is a rising trend in families across the nation. The number of divorce proceedings initiated is mounting and it is timely to talk about the impact of families on the children and the institution of the family itself. By default, the absence of one parent in the family structure has a negative impact on the relationship between the parent and the child as well as their individual interactions with society as a whole. It is a sad fact that they have to deal with prejudice at work or in the community. The lower socio-economic persona that is attributed to them to make them a target of abuse and hardships which should not be present at all in the first place.

The picture does not become clearer with respect to the children. Several studies have pointed out both short-term and long-term effects of parenting. Children who lack the supervision of a male parent usually are prone to misdemeanor, drug addiction and rebellion. A daughter in the family is more likely to end up as a single mother herself after being exposed to such a situation at an early age. Hate may also develop among the children and could pose a threat in their relationships outside the family. The incidence of dropping out from school, smoking, committing crime and alcoholism may also become prevalent. Some studies even suggest that children born of single-parent families tend to end up being poor compared to those who have a stable two-parent family. These things experienced inside a family tend to subside or worsen based on the following factors:

• The relationship of the child with the existing parent
• The financial situation of the family

The interplay of these factors will dictate how a child or a family will perform in the long run. In a more recent study, it has been shown that better financial stance of a residential family may help lessen the negative impact of a single-parent family. The anti-social behavior of a child inside such a family will subside in due time and with no long-term effects if proper education and attention is given all the time. It seems that a parent would have to double his or her efforts to pay attention to the needs of the child, whether it is material or social in nature. 

The bonds between the parent and child can also be strengthen in this circumstance because both parties are subjected to the same kind of stress and, therefore, they both share the same things they are going through. The responsibilities and challenges of living in a single-parent household necessarily would mean shared responsibilities among the remaining members. This creates a sense of pride in the work of each member and a consciousness that they have to contribute because their help is needed badly by the family. Experts have observed that children inside such families are able to mature early on because they are exposed to conflict, and depending upon their personality and upbringing, this can help them learn real world skills in mediation and diplomacy.

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Source:http://www.articlesbase.com/home-and-family-articles/the-impact-of-single-parent-families-4817853.html

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Small Business Grants for Disabled People

People with disabilities may have an advantage when starting their own business. They might be able to get small business grants for disabled people to startup their business. Most people tend towards getting a loan from their bank to use as capital. Although this is not a bad idea, there are some problems with this. First, you would have to pay interest on the loan. Second, you might have to use your own personal credit as collateral. Some people even use their house as collateral. The other way of obtaining financing is to ask their friends and family. This might be better than asking for a bank loan since the interest friends and family charge may be lower or none at all. You also have more leeway in terms of how and when to pay back the loan. In both of these cases, you still eventually have to pay back the loan and more.

This is where small business grants for disabled people out shines a business loan. Grants are government money which can be used for numerous types of projects. Grants normally do not require repayment which is the beauty of it. Basically, it is free money for you. You can use the money to startup your business and pay operating expenses.

The best way to begin your search for business grants for the disabled is to go to the federal government grants website. This website has all the federal grants available. You would have to search for your specific grants. Read the instructions on how you can apply for each grant and also the requirements needed to apply. You may need to provide documentation proving your disability.

Some other places you can try for finding grants for disabled business owners is through state governments and non-profit organizations. You can call up your state and local government to find out what grants they offer. Also look for private organizations that may offer something. You should keep your options open and look for as many places as possible that offer grants for disabled business owners.

You might also have to write grant proposals in order to convince the grantors to give you money. Free money is competitive so you’ll need to do a good job in writing a proposal. You can hire a professional grant proposal writer to help you in this area if you don’t feel up to the task.

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Source: hubpages

Disability Benefits for Children

Disabilities in children could range from conditions like Autism, Cerebral Palsy or Down Syndrome. So also, children might fall in the category of 'At Risk' which includes pre-term, emotional and behavioral problems. These problems lead to a distinct lack of stimulation in them, which can affect their overall growth and development. These conditions are not confined to medical problems alone but could also include behavioral and learning disorders.

It is generally difficult to get disability benefits for children. This is because the primary criteria and the conditions of the child on which these benefits are sought may change. For example if a child has an attack of asthma, it will hamper his growth and development. This will prevent him from participating in the normal day-to-day activities like other children (making him applicable for the disability benefits). When such a child applies for a SSI (Supplemental Security Insurance) disability procedure, the severity of the attack might be high at that point of time. But by the time it comes to the hearing stage, the grimness of the situation might have lessened or the child may have responded positively to medication. However, if the disabilities are something like Autism then that leaves no room for doubt.

It is generally misconstrued that there are no programs that cater to the needs of disabled children. This is not true. The Social Security Administration (SSA) offers two programs that work towards providing benefits to these children with disabilities. The programs are Social Security Disability Insurance (SSDI) and Supplemental Security Insurance (SSI).

Conditions for a Grant for Disabled Children

The conditions on which these disability benefits for children are granted are varied.

Income
The Supplemental Security Insurance (SSI) has certain set income limits. In order for your child to be applicable for the disability benefits, the family income should not be more than $2000 on the whole. For this the SSI will take into account the family income, the bank account savings, other assets like properties, etc. If the total income is seen to exceed $ 2000 then the child is considered ineligible.

Payment
The payments to the disabled children are made on a monthly basis. These payments continue till the time the child turns eighteen. After which they are discontinued under the children's disability program because then the policy is evaluated under the adult listing category. The amount of payment depends on the family income.

Criteria
A child is considered disabled if his condition is such that he cannot involve himself in age appropriate activities like playing, etc. It therefore confines his functionality. This condition should last for a minimum of 1 year or should be expected to lead to death.

Prior to a hearing for availing disability benefits for children, the attorney will gather copies of a child's IEPs (Intensive English Program), achievement and testing reports, grade reports and fill out questionnaires from the child's teachers.

Reviewing Conditions
The condition of the child is reviewed by the Social Security Administration (SSA) every 3 years. This is done in cases when the child's condition is expected to improve. Thus reviewing becomes necessary because if the child's condition improves then he would no longer be applicable for the same.

Adult Status
The Social Security Administration reviews the condition of the child when he officially becomes an adult (18 years). If the child is still considered disabled, then adult SSDI benefits will be continued to be given. In that case all the benefits applicable in case of 'Adult SSDI benefits' shall apply. For example, these benefits are given to those who have been regularly paying the social security taxes and have become disabled recently.

Other Conditions
A child may also get these benefits if his parents were receiving the disability benefits and have died. These are called 'adult child' benefits. These benefits are given to those who have become disabled before they turned 22, thus being unable to build a work record. In such a case, where the parents have been paying social security taxes, the SSA grants these benefits as an insurance coverage for those services. It is considered as a child's benefit because it is paid as a part of the parents social security taxes.

When a child becomes eligible to receive SSI benefits he will be automatically enrolled for the Medicaid program of your state. This program will help you to make payments and afford the prescription medicines and/or other medical expenses involved. One can also see if there is a possibility to qualify for food stamps, which will go a long way in helping one out.

Disability benefits for children is definitely a great help for families who have disabled children. Knowing that there are programs and grants which are drawn out to help such children is a comforting feeling for people who have to suffer through the pain.

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Source: Buzzle.com By Rujuta Borkar

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Get Disability Discounts

Get Disability Discounts

Did you know.....that there are discounts available for disabled adults and children with special needs?
With the high cost of living with a disability - It's a great way to save money!
Discounts for the disabled are provided by Government, tourist attractions and organisations both locally and nationally.
Reductions can be for the disabled person or their carer. And sometimes....Both!
Many don't advertise their discounts. So, don't be afraid to ask!
Someone using a wheelchair may not have to prove their disability. But others with less obvious disabilities may have to provide some form of evidence.
This may include:

• A copy of your award letter for the Disability Living Allowance or Attendance Allowance

• A copy of your Blue Badge

• A copy of BD8 certificate for being registered blind or partially-sighted.

• Your NHS battery book for the hearing impaired.

I thought it would be a great idea to collect all the information together in one place.
YOU can help too! Join in! And Share Your Discount Tips

Find a Disability Discount

All discounts are organised by geographical areas.
The areas with a blue link are now live but those listed in black are still waiting for submissions.

National Discounts and Concessions

England (Listing by County)

Avon	Bedfordshire	Berkshire
Buckinghamshire	Cambridgeshire	Cheshire
Cleveland	Cornwall	Cumbria
Derbyshire	Devon	Dorset
Durham	East Sussex	East Yorshire
Essex	Gloucestershire	Greater Manchester
Hampshire	Herefordshire	Hertfordshire
Isle of Wight	Kent	Lancashire
Leicestershire	Lincolnshire	Merseyside
Norfolk	North Yorkshire	Northamptonshire
Northumberland	Nottinghamshire	Oxfordshire
Rutland	Shropshire	Somerset
South Yorkshire	Staffordshire	Suffolk
Surrey	Tyne and Wear	Warwickshire
West Midlands	West Sussex	West Yorkshire
Wiltshire	Worcestershire

Source :www.disability-grants.org/disability-discounts.html

Scotland

Wales

Northern Ireland

Debt management and its advantages

Debt management and its advantages

Debt management is one of those debt relief options that have various advantages. You may be able to get debt management help from credit counseling agency or a debt management company. Now, when you will go to a credit counseling agency for help, they may help you with getting some knowledge on how to handle your debts and also better your credit. So, this in itself is going to help you a lot. You are actually required to enroll in a debt management program or DMP.

The DMP advantages

There are various advantages of enrolling in a DMP and these are:

1. Single monthly payment – After enrolling with a debt management company, you are required to make a single monthly payment instead of several payments which you were required to make with the creditors beforehand. So it becomes easier for you to handle the single payment that you are required to make each month.
   
   
2. Future debt management education – Before starting off with the debt management program, the counselor of the credit counseling agency is supposed to offer you some amount of education on debt management for your future. He will first analyze the financial situation you are in and then help you decide the ways in which your debts can be paid off.
   
   
3. The monthly payment amount gets lowered – As you are required to make only one payment instead of the several ones that you were required to make beforehand, and as the interest rate on the debt lowers, the monthly payment amount lowers too.
   
   
4. Negotiations done by counselor – When you enroll in a DMP, it is the counselor who does all of the negotiations with the creditors and maybe the collection agencies on behalf of you in order to set up a repayment plan. You are no more required to deal with the creditors or collection agencies or negotiate with them or forward payments to them. It is the management company to whom you are supposed to make the payments and they are then supposed to forward it to your creditors.
   
   
5. Additional late payments may be waived off – The counselor may also be able to negotiate with your creditors in waiving off the late fees and other such penalty charges.

As it becomes increasingly tough for you to make debt payments, you may think of filing bankruptcy to discharge off the debts. But, bankruptcy is the least preferable debt relief option and it has negative effect on your credit. It lowers your credit score by around 200-350 points. So, with debt management you may easily be able to avoid filing bankruptcy.