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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