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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.
Family caregivers can quickly find themselves overwhelmed and need more support than they have available. Home care can offer that support. Some family caregivers have a ton of support from family and friends. Unfortunately, thats not the case for everyone. Family caregivers who dont get the support they need can quickly feel overwhelmed and overloaded. Caregiving brings with it a lot of responsibilities and demands on top of the ones that exist with daily life alone. Home care services offer the support that family caregivers need to offer the best care possible to the seniors they love. Family Caregiving Challenges First, it helps to understand the types of challenges that seniors and family caregivers face. So many family caregivers juggle many different roles, which leaves little or no time for them to care for themselves. There is a big emotional toll in caregiving, too. Watching a beloved family members life and circumstances change dramatically can lead to depression, anxiety, and other emotional issues. Caregivers worry a lot about their seniors, too, which adds up over time. If seniors experience mobility challenges or other needs that require more physical effort, family caregivers can experience serious physical demands, too. Respite Care One of the solutions that can help immediately is for family caregivers to take respite time. This occurs when home care providers step in for a few hours so that family caregivers can step away to take care of other needs. Professional home care providers can handle a variety of different situations, allowing family caregivers to feel confident that everything will be okay while they are gone. Emotional Support Both family caregivers and seniors experience some big emotional challenges related to caregiving. It can be tough for seniors to acknowledge that theyre experiencing big changes that require them to need additional help. For family caregivers, there is a lot of stress related to wanting to do the right thing. Home care providers understand and offer emotional support to everyone involved. They also spend time with seniors, offering companionship that makes a true difference. Delegating Responsibilities It can be complicated for family caregivers to let go of some of their responsibilities, even when theyre feeling overwhelmed. Home care providers make it easy for family caregivers to delegate and pass along some of their responsibilities. Home care services can help with light housekeeping tasks, transportation, meal preparation, and so much more. Benefiting the Entire Family Integrating home care assistance into caregiving routines helps families find more balance. They can focus on the issues that truly matter rather than worrying about how theyre going to get everything done. Seniors get personalized attention, and family caregivers feel more confident in their own abilities. Home care services offer critical support for family caregivers and seniors. Professional caregivers reduce the workload for family caregivers while making sure seniors are both comfortable and safe. This allows family caregivers to have a much different experience with family caregiving than they might have had up to this point. Being able to focus on self-care gives family caregivers the space they need to fully show up for beloved family members. If you or an aging loved one are considering Home Care in Denver, CO, please contact the caring staff at Talem Home Care & Placement Services today. Call (720) 789-8529 At Talem Home Care of Broomfield, we provide passionate, understanding, and flexible caregivers in Broomfield, Arvada, Aurora, Boulder, Brighton, Commerce City, Denver, Erie, Firestone, Lafayette, Lakewood, Longmont, Louisville, Northglenn, Sherrelwood, Thornton, Welby, Westminster, Wheat Ridge and surrounding areas in Colorado.
In a world that is constantly evolving, the holiday season serves as a powerful reminder of the significance of human connection. For seniors, these connections offer profound emotional and psychological benefits. This discussion explores the joy of maintaining relationships, the challenges faced by older adults, and strategies to ensure their holidays are filled with a sense of belonging, remembrance, and shared experiences.The Importance of Connection for SeniorsEmotional and Psychological BenefitsHuman connection is essential throughout life, and its importance grows as individuals age. Seniors experience numerous benefits from social interaction, including improved mental health, better cognitive functioning, and a heightened sense of purpose. Meaningful relationships create a support network that can help alleviate feelings of isolation and depression, promoting overall well-being. Engaging with family and friends fosters a sense of belonging and self-worth, while participation in conversations and activities can enhance emotional stability and reduce the risk of cognitive decline.Loneliness During the HolidaysWhile the holiday season is often associated with joy and togetherness, it can also amplify feelings of loneliness for seniors. Many may face the loss of loved ones or find themselves separated from family due to distance. Such circumstances can heighten emotions of isolation, especially during a time when connection is most valued. The holidays can serve as poignant reminders of lost connections, intensifying nostalgia and grief.Challenges in Staying ConnectedSeveral obstacles can hinder seniors from maintaining connections during the holidays. Geographic distance can prevent reunions with family and friends, while health issues may limit mobility and travel options. Additionally, technological barriers can complicate digital communication, leaving some seniors feeling disconnected in an increasingly digital world.Emotional FactorsGrief and depression can significantly impact seniors desire to connect. The holiday season may magnify feelings of loss, making it difficult for individuals to engage in celebratory activities. Recognizing these emotional challenges is crucial for facilitating meaningful connections.The Role of CaregiversCaregivers play an essential role in supporting seniors during this time. By understanding the emotional hurdles that may arise, they can offer companionship and empathy. Caregivers can also assist with practical needs such as technology use, transportation arrangements, or organizing inclusive celebrations that accommodate health considerations.Practical Ways to ConnectIn-Person ConnectionsHoliday Visits: In-person gatherings bring warmth and meaning to seniors' lives.Shared Meals: Enjoying favorite holiday dishes together fosters conversation and bonding.Participatory Activities: Engaging in festive tasks like decorating or baking creates joy and involvement.Remote ConnectionsVideo Calls: These allow seniors to see loved ones faces, enhancing feelings of connection despite distance.Letter Writing: A heartfelt letter or card can convey emotions that transcend technology.Online Games: Simple games or trivia challenges provide fun interaction opportunities from afar.Adapting Holiday TraditionsTo include seniors in holiday traditions:Involve Them: Encourage their input in planning to shape traditions that suit their preferences.Modify Activities: Adapt events to accommodate mobility and energy levels.Storytelling: Invite seniors to share stories from their past to enrich the holiday experience.Technology as a BridgeUser-friendly technology options like smartphones and tablets can facilitate communication for seniors. Simplified apps designed for ease of use can enhance their ability to stay connected with loved ones. Teaching them how to use these technologies through patient instruction and hands-on demonstrations can help build their confidence.Navigating Emotional ChallengesSeniors may face various emotional difficulties during the holidays:Grief: The absence of loved ones can be particularly poignant during this time.Depression: Feelings of sadness may intensify due to health struggles or social isolation.Isolation: Distance from family combined with limited mobility can exacerbate loneliness.Supporting Emotional HealthEncouraging open communication allows seniors to express their feelings. Setting flexible expectations for participation in holiday activities helps reduce pressure. Engaging them in joyful activities enhances their experience during this festive season.Professional ResourcesIf needed, professional support such as therapy or counseling specializing in geriatric care can provide seniors with tools to navigate their emotions. Support groups offer community understanding for those dealing with grief or depression. Helplines are also available for immediate emotional support.As we navigate this holiday season together, let us remember that nurturing connections enriches the lives of seniors. Emphasizing compassion and care across generations reinforces our shared spirit of togetherness during this special time.
Stress-Free Holidays: Essential Tips for Family Caregivers Here you are, a caregiver on call 24/7 for someone you love, and suddenly its holiday time. You start thinking about inviting relatives, ordering the turkey, and getting out the holiday decorations. But wait a minute. Before your holiday autopilot kicks in, step back and look at where you are. The first thing you have to acknowledge is that things are different now, says Barbara Abramowitz, Massachusetts-based psychotherapist and herself a longtime caregiver. Maybe its time to rethink the holidays. Dont be bound by traditions. Give yourself permission to change things up. It can be liberating. We get caught up in expectations and what other people are going to think of us, Abramowitz told me. Be bold. Ask yourself, What do I want to keep, and what do I want to let go of? Give yourself time to think about whats really important about the holidays. Do You Have to Deck the Halls?Maybe you dont have to decorate every square inch of your home this year. Martha Shapiro, director of programs for Senior Concerns, which supports seniors and family caregivers in Southern California, says, Think outside the box. Dont be bound by traditions. Give yourself permission to change things up this holiday season. It can be liberating. That big family gathering? How about paring down the guest list this year? (Aunt Helen will just have to understand.) Pare down the menu, too. (Do you absolutely have to have mashed potatoes as well as sweet potatoes?) Bring in food from a good supermarket or a favorite restaurant, or make it a potluck this time; its a good way to give those reluctant siblings some way to help you out. One family moved to Chanukah in May when the airports would be less congested and the weather would be better. Even if the holiday meal has always been at your house, this might be the year to ask another family member to host. Easiest of all, if it works for your budget (or your sisters budget), hold the dinner at a hotel. The holiday decor, the giant buffet not to say the prep and the cleanup are all on them. Time-Shifting and Place-Shifting TipsWho says that everything has to be done in December? Send New Years greetings instead of the usual holiday cards in January. No one loves traveling on the holidays. One family moved to Chanukah in May when the airports would be less congested and the weather would be better. You can even move or extend the holiday itself. If its tough to get everyone to the same place on the same day, consider visiting with your person a day before or after. Beth Williams, who directed programs for the Alzheimers Association in nineteen counties in Georgia and is a former professor of gerontology, has counseled countless caregivers on how to manage the holidays. If (the person you care for) has lost the concept of time, she says, just celebrate. So Christmas could be December 24 or December 26. Think of it as a holiday helper you get to extend the holiday over more than one day, it takes some pressure off and you still get to celebrate. You could try place-shifting as well. One Massachusetts family ditched December in New Jersey, which was hard for the extended family to get to, opting instead for a July celebration in Rhode Island. Or go virtual. Covid taught us how to do all kinds of family get-togethers over Zoom. Many senior care facilities have tech folks who can help. Or ask one of the grandkids to go to Nanas place and set up the holiday Zoom call. Dont Forget the Comfort and Joy for YourselfNo question that youre under stress as a caregiver. Everyone keeps telling you to make time for self-care, but its harder now than ever. So sneak it in. Seriously. Breathe. Or stare at the sky or your garden and reconnect with your senses and soul. According to Abramowitz, The respite doesnt have to be in big chunks. It can be in the moment. Pause in the transitions between activities. In the car, take a moment before heading to your destination. Breathe. Take time between appointments. Breathe. Or stare at the sky or your garden and reconnect with your senses and soul. Breathe. While shopping for gifts at the mall, find a coffee shop, sit down and treat yourself to one of those only-at-the-holidays specialty drinks. And when you go to the Post Office to mail off the presents, look at the revolving gift card kiosk. Theyve got cards from retailers and restaurants, movie theaters, online stores and more. Prices can be as low as $10 or $20. Treat Yourself to Your Holiday GiftFor delayed gratification, book a massage for January or February (check out local massage franchises, health clubs, spas and massage schools). You deserve it. Dr. Karen Midyet, a clinical psychologist in Fort Collins, Colorado, whose coaching practice includes many older caregivers, knows how critical self-care is. I tell them, hire somebody to come in so you can leave for a few hours. Sometimes, she adds, you can just do something as simple as sitting outside in the sun for one minute, taking a short walk with the dog. A short walk is better than no walk. For some extra help during the holidays, Shapiro suggests looking into the senior centers in your area (search on senior centers near me and adult day care near me). Many of them offer unique programs and caregiver support groups during holiday times. Several states offer free respite care services. Check out the Family Caregiver Alliance for details on respite programs, state by state. The National Adult Day Services Association has an interactive Find a Center map for daycare facilities nationwide. Respite care for veterans and their caregivers is also available through the US Department of Veterans Affairs. All Dad Wants For Christmas is YouYour first impulse may be to bring Mom or Dad home for a family gathering. But if your person is in a care facility, Shapiro points out, it may be more detrimental to bring them to your house and bring them back. For a lot of people with dementia, the back-and-forth causes stress. Big gatherings and blinking Christmas lights may also be overwhelming. So bring a quiet celebration to them or join in whatever holiday event the care facility offers. Bring your persons favorite holiday food, get a stack of holiday cards to look through, show photos of the family in their red-and-green elf caps, or FaceTime with the grandchildren. If you want your person to enjoy the holiday, it has to be meaningful to them. If you want your person to enjoy the holiday, it has to be meaningful to them, says Williams. Keep the tradition of celebrating; just shift the focus. If youre taking Mom to someones party, consider what she needs. Have a quick meal, Williams advises. Just stay for an hour. The key, says Shapiro, is to plan. Set things up for success. If youre going to someones house, make sure there is a chair they can get in and out of, a quiet room they can retreat to. You need to find a way to make it comfortable and realistic. If your loved one has dementia, they can still engage in reminiscing. Use that to your advantage, she says. When the family gets together, ask what was the favorite part of this holiday for each of us. Have an intergenerational table and design questions so the older people can impart their memories. Shapiro adds, With dementia you have to slow everybody down. Tell them that after dinner, were all going to sit on a couch and listen to some stories. Holidays often involve religious observances, but extended services and large crowds may not work this year. Do you have to go to church for the big gathering? Williams asks caregivers. Try Saturday evening instead. You could call Father So-and-so and ask, Can we come as a small group, and could you give us a sermon and Communion?' Jim Sherblom, a social impact investor and former Unitarian Universalist minister in Brookline, Massachusetts, encouraged innovative ways to mark the holidays. Especially if it was difficult for his congregants to get to church, he would invite them over to his house, and they would walk together in the nearby woods. These days many religious groups live stream their services. All Dad wanted for Christmas was church, one caregiver told me. So we watched the holiday service on his iPad, and it worked just fine. Ask your person what theyd like to do for the holidays it may surprise you. Leave day-to-day activities behind, put on your fancy clothes (or that once-a-year Christmas sweater), and share some moments. Focus on that. Stick to whats doable and enjoyable for you and meaningful for your person. Reminiscing may be the best way to enrich your persons day. Play the music that moves them, says Williams. Maybe its just the same five oldies. Thats okay. Run old family movies on a loop. Or maybe its playing a game together, laughing, watching a football game. Holidays are an opportunity to create new rituals, Abramowitz reminds us. We get to remake the holidays. We get to create what we want. You never know this could be the last holiday with your person. Take a lot of photos, says Shapiro, adding, take mental photos. Say to yourself, I will capture this and remember this moment. Whatever you create, whether you trim the tree or trim down the festivities, the holidays are still a unique time to build new memories and savor the simple joy of being with people you love. Writer: Connie Baher This article originally published on nextavenue.org___________ SYNERGY HomeCare offers no obligation home assessments. Contact Synergy HomeCare of Daphne at 251-621-1900 to learn how we can provide additional support to you and your loved ones.
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.