When caring for a loved one, many families look for financial assistance to help specifically with the cost of home care services. While there are programs that provide assistance in this area, many families fail to consider other forms of assistance that can make their loved one’s residence more accessible and safer. A safe and accessible home can actually reduce the need for home care services as well as prevent unexpected increases in home care services costs by helping to avoid injuries. This articles aims to help families better understand their financial assistance options for making home modifications for elderly or disabled individuals.

When thinking about financial assistance, it helps to first identify the different components of a home modification project. Most projects have costs associated with the materials and separate costs for labor. For example, one purchases bathroom grab bars from a hardware vendor and then pays a home contractor to install them securely. This separation is important because oftentimes assistance for these two parts comes from two entirely different programs.

Finding financial help for the

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The outcome of the November Presidential election also decided the fate of the Affordable Care Act (ACA). Ron Pollack, Executive Director, Families USA says: “The election has settled key issues about the directions our nation’s healthcare will take: It means Obamacare will be implemented, the Medicaid safety net will be strengthened, and Medicare’s guaranteed benefits will not be undermined. As a result, people across America will gain peace of mind knowing that high-quality, affordable healthcare will be there for themselves and their loved ones,”(Healthcare Finance News). This means that implementation will go forward.

This is good news for all Americans, but especially for those who are presently uninsured. But how will this work?  The ACA has two main pillars, each of which will be decided on a state-by-state basis:

1) Create a health insurance exchange

2) Expand Medicaid

Each state will have the option of setting up their own health insurance exchange (state-run), allowing the federal government to set up and operate an exchange on behalf of the state (federally-run), or create a state-federal partnership where both entities

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