Financial help and housing assistance for disabled stroke patient – Nearly 795,000 individuals experience a stroke in America each year. Even though the cost related to the treatment of hospitalization and recovery after a stroke may vary depending on the type of stroke, the expenses involved with any stroke are substantial.
In such circumstances understanding the cost related to stroke and researching financial assistance options are critical to creating a stroke fundraising strategy and reducing your financial burden. Fortunately, numerous help and assistance programs for stroke patients enable them to deal with the expense of stroke recovery and hospital bills. This guide will help you to know financial help for disabled stroke patients.
Highlights of this Post
What Are The Eligibility Criteria To Get Free Financial Help For Disabled Stroke Patients?
To get free financial help for disabled stroke patients candidates need to follow some guidelines set by the government agency or nonprofit organization. Let’s take a look at the following general eligibility criteria that you need to fulfill to reduce your financial burden.
- Applicants must be a stroke survivor
- Applicants must fulfill the age limitation of the program
- They must be a citizen of the United States or a lawful resident
- Must belong to a low-income category and have income below a specific percentage of the federal poverty level
- Must demonstrate a strong financial need or hardship
- Must provide proof of ongoing treatment planned for occupational, physical and/ or speech therapy provided by the healthcare facility
- Must provide proof of diagnosis by a licensed healthcare professional
- Must demonstrate that the health insurance benefits related to occupational, physical and/ or speech therapy have run out
- Must provide a personal statement providing detailed information about why you should receive a grant and how receiving a grant can help you in your recovery phase
- Must agree to use the grant funding for the proposed purpose.
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What Are The Documents Required To Qualify For Free Grants For Disabled Stroke Patients?
Stroke victims applying for financial assistance from the government agency or nonprofit organizations are required to provide proof of documents to demonstrate their eligibility. The type of documents that you’re required to submit may vary however the generally accepted official documents include the following:
- Personal identification documents like state ID, passport, Social Security card, state-issued picture ID etc.
- Proof of income in the form of pay stubs, bank statements, W2 forms, tax returns etc.
- Proof of your current address in the form of a rental or lease agreement, utility bills etc.
- A signed and dated letter from a licensed medical condition to verify your stroke diagnosis and treatment.
- Proof of citizenship and residency criteria
- Medical information form along with the contact details for the medical treatment team.
What Are The Available Financial Help For Disabled Stroke Patients?
The actual cost of any medical condition will depend on the severity of the accident and the health condition of the patient. However, an ischemic stroke comprises an estimated lifetime cost of $140,48 including the expense of hospitalization, rehabilitation and medication.
A lot of factors influence the cost including the type of hospital you’re visiting, your state of residence, the additional care that you are receiving and so on. Following is the list of financial help programs for stroke victims.
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Disability Assistance For Stroke Patients
One of the ideal sources of getting free money for hemorrhagic or ischemic stroke victims is the federal government which helps disabled stroke patients in times of need.
Supplemental Security Income (SSI)
SSI provides financial assistance like housing assistance for stroke victims, people who have a disability, are blind, or are over 65 and have limited income and resources.
Social Security Disability Insurance
You may be eligible for Social Security Disability Insurance if, prior to the stroke attack, you have worked long enough and contributed enough to the Social Security program to qualify for the benefits of that program.
This will aid you in covering the cost of your medical expenditures, and you may also receive further financial support. Contact your state’s Social Security Administration office if you want further information on SSI or SSDI programs.
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Medical Assistance For Disabled Stroke Patients
The United States government provides medical assistance to patients who have suffered a stroke. The free monetary assistance comes from the taxpayer’s pocket through redistribution. For instance, patients who are recovering from brain injury need ongoing access to health care.
Following are the programs that help to cover the medical expenses.
Medicaid is a state and federal health insurance program that offers health care assistance to stroke patients and is one of the largest health insurance programs nationwide including limited dental services in some states. You can apply for the Medicaid program online at healthcare.gov, understand the eligibility criteria of the program and then seek assistance.
The US federal government provides healthcare assistance to particular stroke patients through the Medicare program which is another health insurance program designed for senior citizens 65 years or above in need including younger adults with disabilities.
The recipients of SSDI are eligible to receive assistance under the Medicare program after 24 months of waiting. You can get help in paying Part B Medicare premiums through the Medicaid program.
Also known as Low Income Subsidy Rider Medicare Extra Help is the government assistance program that assists qualified stroke survivors to save some dollars on their prescription medications while they are recovering.
The program provides additional help so it is known as Extra Help and the beneficiaries of the Medicare program pay for Part D prescription drug coverage premiums, coinsurance, applicable deductibles and copayments.
A reputable grant program that helps needy families including stroke victims is the Health Resources and Service Administration.
HRSC grants provide financial support to organizations and people who are working to improve underserved areas and promote their good health and well-being. Stroke victims can contact their local health resources and services to cover their treatment costs without straining their finances.
The Health Resources and Service Administration provides grants and assistance programs to individuals and organizations that improve the well-being and health of underserved communities including individuals affected by stroke. The health centers provide several services like rehabilitation and chronic disease management.
Are you still looking to get financial support to cover your medical bills after a stroke? You can apply for assistance from the Administration For Community Living Grant Program. The program assists state and tribal agencies and provides support to family caregivers of older patients or those who are living with disabilities.
Individuals who are struggling with stroke receive funding to pay for their hospital bills. Apart from monetary assistance, Administration For Community Living also provides other types of services like counseling, caregiving training, respite care, training and education.
The Health Insurance Marketplace established by the Affordable Care Act allows low-income families to purchase private health insurance plans if they fail to qualify for the federally funded health insurance program.
Based on your state of residence and income you can qualify for subsidies that result in no-cost healthcare coverage. The open enrollment period can occur every year however a special enrollment period is accessible for candidates who are going through life-challenging events or consequences including stroke diagnosis and treatment.
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Residents who have suffered any medical condition including a stroke can be eligible for benefits through the US Department of Veterans Affairs. The VA benefits include healthcare, disability compensation and rehabilitation services. The Veterans Affairs benefits for stroke victims include disability compensation, rehabilitation services and healthcare.
Healthcare benefits through the Department of Veterans Affairs provide medical care for stroke victims including speciality care, primary care, and mental health services. The rehabilitation services include occupational therapy, physical therapy, and speech therapy that assist stroke survivors in improving their quality of life and gaining financial independence.
It provides financial support for veterans with service-associated disabilities including those who have suffered a stroke and the amount of compensation depends on the severity of the disability and the individual circumstance of the veteran.
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Rent And Housing Assistance For Disabled Stroke Patients
The HUD sponsors the Section 811 Supportive Housing For Persons With Disabilities that assists disabled stroke patients to live independent lives in the community by subsidizing rental housing opportunities and helping them access better supportive services.
Government grants for disabled strokes are authorized in two ways: by providing interest-free capital advances or subsidies to nonprofit developers of reasonable housing for disabled people and by providing project rental assistance to state housing agencies. The eligibility criteria require candidates to belong to the low-income category and have income within 50% of the area median income.
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The government provides housing assistance to needy stroke patients who are unable to work and provides them with Section 8 apartment rental vouchers. The program represents free money as the funding comes from other taxpayers. You can apply for Section 8 benefits for stroke patients by contacting your local public agency.
Many other HUD programs are designed for needy families including stroke survivors that can help them with rent and housing assistance. These programs are as follows
- Home Investment Partnership program
- Family Self-sufficiency Program
- Section 202 Housing Choice Voucher program etc.
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Utility And Bill Assistance For Disabled Stroke Patients
While juggling finances to cover treatment after surviving a stroke a lot of affected patients face difficulty in covering their utility bills. Assistance for stroke survivors is monetary assistance that helps them to cover the cost of bills including utility bills and help them pay for their home energy bills or energy repairs.
Stroke patients who are navigating financial hardship can pay for their utility bills or make necessary modifications or upgrades in their homes by applying for the federally funded Weatherization Assistance Program. Financially challenged families can apply for the program to make their homes energy efficient and lower their utility bills.
The US Department of Energy provides the Low Income Home Energy Assistance Program for low-income families in America. Families of stroke patients navigating financial hardship can reduce their burden to a certain extent by becoming eligible for this program. The program will also help you to make your house energy efficient and reduce your home costs.
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Unemployment Benefits
Family members have to care for stroke patients by staying at home and they tend to lose their job due to no fault of their own. The Family Medical Leave Act runs out after running for 12 weeks only. You can apply for medical unemployment benefits after your caretaking duties end and you must be able to work or actively seek employment.
Unemployment Insurance is a joint federal-state program that offers cash benefits to eligible workers who have lost their jobs due to no fault of their own and can meet the other eligibility criteria of the program. The US Department of Labor oversees the unemployment insurance program and provides up to 26 weeks of unemployment benefits to workers who are replacing about half of their previous wages.
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Free Grants For Disabled Stroke Patients From Charities And Nonprofit Organizations
There are a lot of nonprofit organizations and charities that provide grants to individuals who are recovering from a stroke. However, donor-supported nonprofit organizations and charities have limited resources and are meant for fewer people with urgent needs.
Meals on Wheels
If the disabled stroke patient is homebound, The Stroke Foundation may assist in the form of a weekly hot meal. This program is provided by the Meals on Wheels organization and is coordinated by The Stroke Foundation. Meals on Wheels is an excellent resource readily available and delivers nourishing meals. If the victim of the stroke victim is over 60, they are eligible for the service.
Preparing dinner, including cooking and delivering the meal, is estimated to range from $6 to $7. Nonetheless, the lunch is offered to the older adult at no cost; however, a payment of $3 is asked to show appreciation. Stroke survivors can skip paying for their meals since they receive this valuable service from The Stroke Foundation.
The Stroke Network
The Stroke Network is a charitable organization that provides assistance and financial support to stroke survivors and their families. The organization gives a small grant, a one-time payment, or over an extended period. This organization’s grant money is designed to help the stroke victim pay for rehabilitation costs. The Stroke Network provides emergency cash assistance for the homeless and a wide range of services for the stroke victim, family members, and other caregivers who may be involved.
United Brain Association
The United Brain Association sets out to help stroke survivors rebuild their lives after debilitating strokes. They provide training and support to individuals who are interested in a career as a rehab technician.
For those who would like to be trained as a caregiver, there are also many options available in this area of specialization. A person who has suffered a stroke or a caregiver can gain additional knowledge regarding the medical condition resulting from a stroke by visiting the United Brain Association website, another reference website.
National Stroke Association
The National Stroke Association is dedicated to ensuring stroke victims and their family members know everything they need about living with stroke. This includes how to prevent a stroke in the first place and how to live with one once it occurs.
They offer resources for those with a loved one diagnosed with a stroke, including information on support groups and other support services. The organization offers a range of resources for stroke survivors and their families, including a Stroke Recovery Guide, online support groups, and educational materials
American Stroke Association
The American Stroke Association does not provide grants to individual patients; however they publish a guide to assist survivors so that they can self-manage their financial assistance. The American Stroke Association’s after-stroke guide will provide information about how victims can navigate the complex world of government benefits and insurance and cover the four critical areas such as the following
- Social Security Administration benefits
- Managing the cost of prescription drugs
- Patient Advocate Foundation
- Getting the most therapy coverage.
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Believe Stroke Recovery Foundation
Another nonprofit organization that can be of great help to disabled stroke patients is the Belief Stroke Recovery Foundation which offers one-time limited grants to adults located in North Carolina if their insurance has run out or is no longer covering physical, occupational or speech therapy.
You can apply for free grants from Belief Stroke Recovery Foundation by downloading an online application form at their official website, printing it out, completing the question and returning the paper to the organization.
Stroke Survivor Fund
Established in 2020 the Stroke Foundation empowers victims of stroke and helps them in their recovery and rehabilitation phase by providing financial assistance and grants in addition to occupational, physical and speech therapy. Candidates have to prove that their health insurance benefits associated with their therapy have run out.
You must be at least 21 in age and be a result of the United States to apply for assistance. Besides monetary assistance, the foundation also empowers stroke victims during their recovery and rehabilitation phases. You need to provide proof of your diagnosis that is issued by a certified physician
The Stroke Victor Recovery Fund
The Stroke Victor Recovery Fund provides tons of benefits to victims of stroke including occupational, speech and physical therapy. The beneficiaries of the program are those whose insurance benefits have been terminated.
Victims who are financially challenged and are unable to continue their treatment are eligible to receive assistance. The funds available through this program will help to reduce the financial burden on the family.
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Conclusion
Stroke attack degree may vary from one person to another. Some are fortunate enough to get a mild stroke while some require hospital stays to get their treatment. Unfortunate ones have to face a worse case scenario and have to deal with months or even years of rehabilitation before they get control of their body. The treatment is performed in the hospital as an outpatient, at the patient’s home or a nursing home. Needless to say, there are extra expenses that follow making the financial situation or the family worse with each passing day. Stroke victims coming from low-income families need financial support to get through. The aforementioned government and charitable programs will help stroke victims with the right financial support so that they can concentrate on recovery instead of paying the hefty bills and expenses.
Read more about government assistance programs and grants at the Get Government Grants’ section today. Our resources will help you to find the right type of support based on your needs and requirements.
Frequently Asked Questions
What support is available for stroke victims?
Stroke victims receive a wide array of assistance from the government and nonprofits like housing, utility, prescription bills, treatment cost, etc. The National Stroke Association helpline exist nationwide in many communities for stroke victims.
How to get financial help after a stroke?
You can get financial help after a stroke through the Medicare Supplement Program and applying for Social Security Disability Benefits.
How to get housing assistance after a stroke?
You can get help from your local area organization, and there are also online services you can use to apply for help. You can get help in the form of housing, rent, a mortgage, or a security deposit.
How to get help with nursing services after a stroke?
Most people suffering from a stroke will need assistance in their daily living. This can be done by getting long-term care. Several types of long-term care include home health, private duty, and adult daycare services. You can either get help through government programs or private organizations.
