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In 2022, the cost of raising a child in the U.S. to age 17 was roughly $17,000 per year. For families of children with disabilities, that estimate runs far higher.
The costs of such necessities as health interventions and behavioral therapies, assistive technology, medications, child care, and sensory-friendly items can mean parents raising a child with autism to adulthood will pay about $60,000 annually, according to nonprofit Autism Speaks. Depending on the severity of the child’s disability, those costs can easily escalate further.
Children with Autism Spectrum Disorder (ASD) who meet certain criteria outlined by the Social Security Administration (SSA) may be able to secure public benefits that can offset these costs to some degree.
Supplemental Security Income (SSI) is one such public benefits program. It is a federal assistance program that provides modest financial support in part to help families caring for children with disabilities. SSI is also a “means-based” program; to be eligible, the recipient’s resources cannot exceed extremely strict and specific limits. Note that the income and assets of the child’s parents can affect SSI eligibility.
The Social Security Administration lists autism as a disability. Children with ASD could meet the SSA’s definition of disability, qualifying for SSI. Autism is a spectrum disorder affecting individuals differently. Eligibility depends on the severity of autism and how it affects a person’s abilities. For children and adults, the SSA lays out the medical criteria for determining whether individuals with autism can receive benefits.
The SSA recognizes youths with autism as disabled when they have medical documentation of deficits in verbal and nonverbal communication and social interaction, as well as significantly restricted, repetitive patterns of behavior, interests, or activities.
They must also have an extreme limitation in one, or marked limitation of two, of the following mental functioning domains:
Understanding, remembering, or applying information.
Interacting with others.
Concentrating, persisting, and maintaining pace.
Adapting or managing themselves.
When children with ASD receive SSI, they get a monthly payment that helps cover certain needs. In addition to using monthly payments to cover basic needs, families who may have limited resources can also use SSI to cover expenses related to autism, such as therapy, educational programs and summer camps, communication devices and sensory tools, and respite care.
Children who meet the SSA’s disability criteria for autism must also have resources that fall under the SSA’s limits. The administration considers the income and resources of a child as well as family members. Even if a child spends time in a residential program, household members’ finances factor into the decision.
To access SSI benefits for a child with ASD, families need records to show that their child’s autism significantly impairs them. These records typically come from health care providers as well as schools.
In 2023, the maximum monthly benefit for SSI is $914 per individual. However, the amount of Supplemental Security Income that a child with autism can receive depends on numerous factors:
The child’s financial status, including the income and resources of parents and guardians; additional sources of income offset monthly Supplemental Security Insurance payments.
The child’s state of residence; states have different rules determining how much assistance they provide. Some states supply additional payments to SSI recipients to offset the cost of living.
In many states, children with ASD who receive SSI benefits are automatically eligible for Medicaid, a joint federal and state health insurance program for people with low incomes and limited resources. Other states have different eligibility rules for Medicaid, and SSI recipients may need to apply separately for Medicaid coverage.
Parents can apply for benefits for their children by taking the following steps.
The first step is completing the Child Disability Report. This includes providing information about the child’s medical conditions, medical records, and education.
After completing the Child Disability Report, you must contact the Social Security Administration to complete the application. The state agency decides whether the child is eligible for SSI.
To make this decision, the agency reviews the information the applicant provides and conducts a disability interview. If needed, the agency can request additional evaluations at its expense.
It can take three to five months to receive a decision. Applicants can appeal if they disagree with the outcome.
If you are considering applying for SSI benefits for a child with autism, consider speaking with a special needs planning attorney. An attorney can guide you through the process, help you present a robust application, and address your unique needs.
Here at Sharek Law Office, we are qualified to help you and yours in special needs planning. Call us at 412-347-1731 or click here to schedule your free 15-minute introductory phone meeting to discuss tools like special needs trusts and ABLE accounts for you and yours.
This article is a service of Sharek Law Office, LLC. We don’t just draft documents; we ensure you make informed and empowered decisions about life and death, for yourself and the people you love. That's why we offer a Life and Legacy Planning Session, during which you will get more financially organized than you’ve ever been before, and make all the best choices for the people you love. You can begin by calling our office today to schedule a Life and Legacy Planning Session and mention this article to find out how to get this $750 session at no charge. Please note this is educational content only and is not intended to act as legal advice.
When someone you love needs extra care, it's time to think about a nursing home. This can be a tough decision, but there are ways to make it easier. Let's look at how to pick a good nursing home that will take great care of your family member.Location and BuildingThe first thing to think about is where the nursing home is. It's best if it's close to you so you can visit often. When you go to see the nursing home, look around carefully. Is it clean? Does it look nice outside? Are there places where your loved one can go outside for fresh air?Look at the rooms too. Make sure you see all kinds of rooms, not just the fancy ones. Ask yourself if the rooms feel cozy or if they look too much like a hospital.Staff and CareThe people who work at the nursing home are very important. You want to make sure there are enough workers to take care of everyone. Ask how many nurses and helpers there are for each patient. Also, find out if the same people work there for a long time. If workers stay at their jobs, it usually means they like working there.It's also good to ask how the workers are trained. Do they know how to help older people with different health problems? Make sure they know how to take care of your loved one's special needs.Daily LifeA good nursing home should help your loved one have a nice day every day. Ask about what kind of activities they have. Is it just bingo and movies, or do they have other fun things to do? Can your loved one go on trips outside the nursing home?Food is important too. Ask about the meals and snacks. Can your loved one eat whenever they want, or are there set meal times? Try to taste the food if you can.Some nursing homes let people help out with small jobs if they want to. This can make your loved one feel useful and happy. Ask if they have chances to do things like help deliver mail or read to other people.Respect and ChoicesIt's important that your loved one is treated with respect. They should be able to make some choices about their day. Can they decide when to wake up or what to wear? Can they eat in their room if they want to? Make sure the nursing home respects your loved one's likes and dislikes.Visitors and FamilyCheck the rules about visitors. Can you come anytime, or are there special visiting hours? It's good if you can visit often. Also, ask if your loved one can make video calls to family and friends.Money MattersNursing homes can be expensive. Many people think Medicare will pay for everything, but that's not always true. Medicare only pays for some types of care, and only for a short time. You might need to pay for some of the care yourself.Ask the nursing home how much it costs and what kinds of payment they accept. Some places might help you make a plan to pay over time.Keep Asking QuestionsEven after you choose a nursing home, keep asking questions and staying involved. Visit often and pay attention to how your loved one is doing. If you see anything that worries you, talk to the people in charge.Remember, the most important thing is to find a place where your loved one will be safe, happy, and well cared for. By asking lots of questions and looking carefully at different nursing homes, you can find the best place for your family member.
Whether you're traveling from across the street or across the country, holiday gatherings provide an excellent opportunity to assess the well-being of your aging family members. These festive occasions, filled with dinners, gift exchanges, and parties, offer a natural setting to observe any changes in behavior or lifestyle that may have occurred since your last visit.Changes in an elderly relative's condition can range from obvious to subtle. To help you gauge their current physical and mental state, we've compiled a comprehensive list of areas to observe and questions to consider during your time together.EnvironmentThe condition of your loved one's living space can offer valuable insights into their ability to maintain their home and overall well-being. Look for the following:Signs of damage or disrepair in and around the houseAccumulation of trash or clutterBurned-out light bulbs left unchangedDecline in cleanliness, particularly in the kitchen and bathroomUnopened mail piling upItems stored in unusual or potentially hazardous locationsDamage to their vehicle, such as unexplained scratches or dentsThese observations can indicate difficulties with home maintenance, mobility, or cognitive function.Food and NutritionProper nutrition is crucial for seniors. During your visit, pay attention to:The quantity and quality of food in the refrigerator and pantryPresence of expired or spoiled food itemsSigns of weight loss or malnutritionIndications that meals are being skipped or forgottenPoor nutrition can significantly impact an elderly person's health and may signal the need for additional support.Mood and BehaviorChanges in mood or behavior can be early indicators of cognitive decline or other health issues. Watch for:Withdrawal from social activities or abandonment of once-enjoyed hobbiesNew friendships or organizational affiliations, especially those involving frequent contact or requests for donationsIncreased confusion or repetition in conversationsSigns of irritability, apathy, or sadnessGeneral withdrawal or changes in typical demeanorThese behavioral shifts may warrant further investigation or professional assessment.Personal HygienePersonal care habits can provide valuable clues about an individual's physical and mental state. Look for:Decline in overall grooming and appearanceWearing dirty clothes or not changing clothes regularlySkipping showers or bathsBruises or injuries that might indicate falls or accidentsPoor hygiene can be a sign of physical limitations, depression, or cognitive impairment.Financial ManagementWhile not always easy to observe, changes in financial management can be crucial indicators of cognitive decline or potential exploitation. If possible, discreetly assess:Bill payment habits and any signs of financial distressUnusual or large purchasesUnfamiliar names on financial documentsSudden changes in banking habits or account managementFinancial mismanagement can have serious consequences and may require prompt intervention.Medication ManagementFor seniors taking multiple medications, proper management is essential. Observe:Organization of medicationsPresence of expired prescriptionsSigns of missed doses or confusion about medication schedulesMedication errors can lead to serious health complications and may indicate the need for additional support.Social ConnectionsMaintaining social connections is vital for seniors' mental and emotional well-being. Take note of:Frequency and quality of interactions with friends and neighborsParticipation in community activities or religious servicesUse of technology to stay connected with family and friendsSocial isolation can contribute to depression and cognitive decline in older adults.Remember, this list is not exhaustive but serves as a guide to help you check in on your aging loved ones. By observing these areas and initiating conversations early, you can identify potential issues and provide timely support. If you notice concerning changes, consider consulting with healthcare professionals or senior care experts for guidance.The holiday season offers a wonderful opportunity to spend quality time with your elderly relatives. Use this time to observe, listen, and engage meaningfully. Your attentiveness can make a significant difference in ensuring their continued well-being and quality of life.Aging Life Care Managers are an excellent resource for support. Working with families, an Aging Life Care Manager is a strategic planner offering options and solutions that best fit a persons individual needs and resources. Their guidance leads families to the actions and decisions that ensure quality care and an optimal life for those they love, thus reducing worry, stress, and time away from work for family caregivers.
Caring for an older adult with cognitive difficulties, such as dementia or Alzheimers disease, requires patience, empathy, and a thoughtful approach to daily activities. As our loved ones with dementia might have communication challenges, we become more attuned to observing body language and facial expressions. The right activities can provide a sense of purpose, stimulate memory, and improve overall well-being. However, choosing the wrong activities can lead to frustration or confusion. This guide offers practical advice on the dos and donts of engaging loved ones with cognitive decline.Do: Simplify tasks and break them down into smaller steps.For example, if your loved one enjoyed cooking, involve them in simple tasks like stirring ingredients or setting the table. This allows them to participate without feeling overwhelmed by the complexity of the activity.Familiar rote tasks can provide a sense of purpose and success i.e.: folding towels or setting the table.Dont: Set up for failureAvoid setting high expectations for perfection or completion of tasks. The goal is engagement, not mastery. If your loved one loses interest or struggles with a task, its okay to move on to something else without pressure. Try active listening techniques.Do: Promote social interactionEngage in activities that foster social interaction, like looking through old photo albums, reminiscing about the past, or participating in small group activities. Social engagement is crucial for older adults as it helps combat feelings of isolation and keeps their minds active. Offer prompting open-ended questions to encourage engagement. Consider looking for a local Adult Day Center near you that might offer activities and social interaction.Dont: Overwhelm with large gatheringsAvoid large social gatherings or unfamiliar environments that could cause sensory overload or anxiety. Instead, keep interactions small and personal, with familiar faces and settings to provide a sense of security and comfort.Do: Watch television: many of us utilize television for entertainment but it can often become the primary source of structure and activity for the day.Watching cooking shows can be good if you are looking to improve appetite but can also cause overeating.Watching nature programs with positive content is engaging, however cycle-of-life or aggressive programming (like natural disasters) can produce anxiety. Baby animal shows can be a particular favorite as there is no plot to follow.Watching beloved shows can be nostalgic and comforting, and comedy skit shows also have no plot to follow.Consider what types of programs are watched at different times of day something with no speaking and just photography is good for resting, and sports might spark a desire for more activity.Dont: Allow TV to cause anxiety or be a substitute for activity or personal interactionWatching the news can be distressing for some and cause anxietyConfrontational talk show formats can be confusing and angry participants may display unwanted behaviors.Sitting in front of the TV all day isnt good for anyone, and this is not engaging in socialization or cognitive stimulation.Do: Incorporate music and artUse music and art as therapeutic tools. Older adults with cognitive difficulties often respond well to music from their youth or simple art activities like coloring or painting. These activities can stimulate the senses and provide a creative outlet, even for those with advanced cognitive impairment.Dont: Use Activities that require complex decision-makingAvoid activities that require complex decision-making or too many choices. This can be overwhelming and may lead to frustration. Instead, offer simple, clear options that allow for easy participation. Offer a choice between two things such as menu items or daily clothing choices.Do: Accept help when caregiving becomes overwhelming.Consider hiring an Aging Life Care Manager. An Aging Life Care Manager can provide expert guidance, help coordinate care, and offer support in making decisions for your loved one. Dont: Set your expectations too high or schedule too full.Try to go with the flow and understand things might not go exactly as planned and thats okay. Schedule in extra time for activities or to get to appointments. If you feel frustrated, step away, regain composure (your loved one if not being difficult on purpose) and try again with a new energy. Read tips on how to deal with caregiver stress.As you consider what activity choices to offer your loved one, consider variety and time of day. Include exercise and socialization, as well as hygiene and rest. Modify, modify, modify. If they seem overwhelmed with an activity, try simplifying to a point they can successfully engage. For example: a puzzle with fewer and larger pieces, simple matching games, and activities to stimulate fine motor skills. Remember not to infantilize your loved one, but rather adjust to their needs. Be mindful of your loved ones response to an activity and be flexible with both them and yourself.
Our Firm Prepares You for Life What makes our firm different is that we were built with the needs of growing families in mind. We understand you are BUSY, you are growing, you are planning for a life of prosperity and you value ease, convenience and efficiency. You are raising children, and caring for elderly parents, while also working hard to build your own nest egg for a lifetime of support. You want to know youve made the best decisions for your family and that your plan will work when your loved ones need it most. You want to make sure your minor children would be raised by the people you choose, and never by anyone you wouldnt want, and that your teens and adult children are properly prepared to care for you and what you leave behind. You want to feel confident that youve made the right choices, and handled everything so that you arent leaving behind a mess, when something happens. That is our focus as well. Weve developed unique systems to give you the same access to a Personal Family Lawyer as was previously only available to the super-wealthy, so you can have the guidance you need to build and maintain a life of prosperity and wealth. And, to keep your family out of court and out of conflict, which is the greatest risk to the people you love and all you have created, even if youve already worked with a traditional lawyer or created documents online. Our Team Is Here for You We encourage communication with our clients. In fact, weve thrown out the time clocks so you never have to be afraid to call with a quick question. Everything we do is billed on a flat-fee basis, agreed to in advance, so there are never any surprises. We have a whole team to serve you. When you call our office to ask your quick question, you wont have to wait hours or days for a phone call back. Youll get your question answered, right away. And, if you need to schedule a more in-depth legal or strategic call with your Personal Family Lawyer, a call will be scheduled when you're both available and ready for the call so we can make the very best use of your time and not waste your time by leaving voicemail after voicemail back and forth. And, we ensure the most important details of your planning are followed through on and your plan continues to work throughout your lifetime. We have a funding coordinator to ensure your assets are owned the right way throughout your lifetime and none of your assets will end up going through a long, expensive court process or being lost to the state because they were missed after your death. Weve created unique membership programs to keep your plan up to date year in and year out as well as give you access to our Trusted Team of Legal Experts for guidance on ANY legal or financial matter. One day you will need a lawyer. I dont know why and I dont know when, but when you do, you will be grateful you can call on us and well be here to advise you or get you out of a jam. We Help You Transfer Your Life and Legacy Lastly, we believe your financial wealth is only a small part of your overall Life and Legacy Planning which is made up of your far more valuable and most often lost upon incapacity or death intellectual, spiritual and human assets. These assets are what make you who you are, and sum up whats most important to you. And, a survey of inheritors has revealed that what they care about even more than inheriting your money, is inheriting these intangible assets. Most estate plans only focus on the transfer of your financial wealth to the next generation. Most people have such great intentions of passing on the intangible, but very few ever get around to it. Its just not a priority, until its too late. How much do you know about your grandparents values? Their most prized personal possessions? How they felt about you? What they had learned during their lifetime? If you are like most people, you know very little. Thats why we build the capture and passage of these most valuable assets into every estate plan we create. Not only will we help you pass on your money, but also your values, your insights, your stories and your experience the truly valuable assets your loved ones care about the most. Weve developed a tool that allows us to capture and pass on your whole family wealth, including your Intellectual, Spiritual and Human assets. I cant go into all of the details here, but well definitely talk about it when you come in for your Life and Legacy Planning Session.