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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Many of our NeedyMeds users have asked us to help them figure out what healthcare reform, or Obamacare, will mean for them and for their families or clients.  This is understandable because the law is complex, with both state and federal governments playing a role in implementation.

Some of the more common questions include these:

  • I am uninsured right now. The new law says I have to buy insurance. What happens if I can’t afford it? What will happen if I don’t buy it?
  • Can I keep the health insurance I already get from my work?
  • Can I get health insurance even if I already have health problems?
  • I am a senior citizen. What will happen to my health coverage with the new law?

To help answer these and other questions, and provide clear guidance, we recommend reading Kaiser Health News’ “A Consumer’s Guide To The Health Law,” which provides a clear and concise overview of the ACA.

Some analysts argue that there could be modifications to reduce federal spending as part of a broader deficit deal; for now, this is just speculation. What is clear is that the law will have sweeping ramifications for consumers, state officials, employers and health care providers, including hospitals and doctors.

While some of the key features don’t kick in until 2014, the law has already altered the health care industry and established a number of consumer benefits. For example, the extension of coverage to adult children up to age 26, the elimination of lifetime spending caps and ability

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