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Financial Wellness

    Results: 24

  • Benefits Assistance (38)
    FT-1000

    Benefits Assistance

    FT-1000

    Programs that provide assistance for people who are having difficulty understanding and/or obtaining grants, payments, services or other benefits to which they are entitled by law. The programs may help people understand the eligibility criteria for benefits, the benefits provided by the program, the payment process and the rights of beneficiaries; provide consultation and advice; help them complete benefits application forms; negotiate on their behalf with benefits administration staff; and/or represent them in administrative processes or judicial litigation. Included are benefits counseling organizations that offer a range of advocacy services and legal aid programs that offer more formalized legal assistance.
  • Community Economic Development and Finance (3)
    TB

    Community Economic Development and Finance

    TB

    Programs that provide a variety of services and activities that are intended to stimulate the economy; expand employment opportunities; encourage the establishment and growth of commerce and industry; improve the physical infrastructure through redevelopment; support the development, finance, management and preservation of affordable housing; and otherwise enhance the economic development of the community. Many programs focus on impoverished communities and are structured to prevent the outflow of community dollars and to retain and recycle income within the community by investing in the development of local institutions and businesses and thereby creating local jobs, sustaining local services and building a healthier local economy. Also included are the institutions that the financial sector comprises and the services they provide for businesses and the general public.
  • Consumer Assistance and Protection (2)
    DD

    Consumer Assistance and Protection

    DD

    Programs that provide information and guidance for consumers who need assistance in managing their financial resources, evaluating competitive products and services and choosing the most favorable option, understanding their rights as consumers and seeking redress when they believe their rights have been violated.
  • Credit Counseling (1)
    DM-1500.1500

    Credit Counseling

    DM-1500.1500

    Programs that provide assistance for people who want to improve their understanding of the consumer credit lending and collections systems, and maximize their skill in using credit. Services may include help in completing credit application forms, understanding how credit information is analyzed, choosing the best credit cards and/or interest rates available, determining how many credit cards can be managed, protecting one's credit information, communicating with creditors, improving poor credit reports and associated credit scores, eliminating credit card debt and dealing with other credit card issues.
  • Debt Management (1)
    DM-1800

    Debt Management

    DM-1800

    Programs that provide assistance for individuals who are having difficulty meeting their financial obligations and, as a result, may be faced with bankruptcy or loss of their home or property.
  • Financial Management Workshops (4)
    DM-2000

    Financial Management Workshops

    DM-2000

    Programs that provide educational workshops for individuals, families, business owners and others that deal with the essentials of money management, asset building and financial independence. The classes may address a wide variety of money management issues including banking services, consumer credit lending, debt consolidation/repayment, bankruptcy, small business development, retirement planning, investment management, savings, risk management, tax and estate law and other similar topics.
  • Food Stamps/SNAP (10)
    NL-6000.2000

    Food Stamps/SNAP

    NL-6000.2000

    A federally-funded program administered locally by the county or the state that enables low-income and indigent households to obtain an electronic benefit transfer (EBT) card similar to a bank debit card which can be used in most grocery stores to purchase food. Approved households are entitled to purchase a designated amount of food utilizing their cards based on net income and household size. Benefits are generally available in an EBT account within 30 days from the date an application was filed. Expedited food stamps are available within seven days for people who are in an emergency situation and whose income and spendable resources for that month are within specified limits.
  • Health Insurance Premium Assistance (3)
    LH-5100.3000

    Health Insurance Premium Assistance

    LH-5100.3000

    Programs that make health insurance payments for individuals who are at risk for losing their health, dental and/or vision care coverage and who meet age, income, disability, need or other requirements. Some programs may also provide assistance with deductibles and co-pays.
  • Medicaid (17)
    NL-5000.5000

    Medicaid

    NL-5000.5000

    A combined federal and state program administered by the state that provides medical benefits for individuals and families with limited incomes who fit into an eligibility group that is recognized by federal and state law. Each state sets its own guidelines regarding eligibility and services within parameters established at the federal level. Many people are covered by Medicaid, though within these groups, certain additional requirements must be met. Eligibility factors include people's age, whether they are pregnant, have a disability, are blind, or aged; their income and resources (like bank accounts, real property or other items that can be sold for cash); and whether they are U.S. citizens or lawfully admitted immigrants. Families who are receiving benefits through TANF and individuals who receive SSI as aged, blind and disabled are categorically eligible groups. The rules for counting a person's income and resources vary from state to state and from group to group. There are special rules for those who live in nursing homes, for people served under the Medicaid Waiver program, for people served by Program of All-Inclusive Care for the Elderly (PACE) programs and for children with disabilities living at home. Medicaid makes payments directly to a person's health care provider; and some recipients may be asked to pay a small part of the cost (co-payment) for some medical services. Most states have additional "state-only" programs to provide medical assistance for specified low-income persons who do not qualify for the Medicaid program.
  • Medical Expense Assistance (2)
    LH-5100

    Medical Expense Assistance

    LH-5100

    Programs that pay the health care expenses of people who are unable to obtain necessary care without assistance. Medical expense assistance programs may have age, income, disability, need or other eligibility requirements.
  • Medicare (1)
    NS-8000.5000

    Medicare

    NS-8000.5000

    A federally funded health insurance program administered by the Centers for Medicare & Medicaid Services (CMS), previously known as the Health Care Financing Administration (HCFA), for people age 65 and older; for individuals with disabilities younger than age 65 who have received Social Security Disability benefits for at least 24 consecutive months; and for insured workers and their dependents who have end stage renal disease and need dialysis or a kidney transplant. Premiums, deductibles, and co-payments or out-of-pocket costs are required for Medicare coverage. Special programs that assist with paying some or all of these costs are available for low income persons who qualify. Medicare has four parts: Hospital Insurance (Part A), which helps pay for care in a hospital or skilled nursing facility, home health care and hospice care; Supplemental Medical Insurance (Part B), which helps pay for doctors, outpatient hospital care and other medical services including the Medicare Preventive benefits (effective January 1, 2005); Medicare Advantage (Part C, formerly known as Medicare+Choice), which offers a variety of Medicare managed care options, including coordinated care plans and private, unrestricted fee-for-service plans, that are required to provide, at minimum, the same benefits as Part A and B, excluding hospice services; and the Medicare Prescription Drug Benefit (Part D, effective January 1, 2006), a program managed by private plans that assists in covering the cost of prescription drugs for beneficiaries. People who have Medicare Part A and/or Part B need to join a Medicare prescription drug program to obtain insurance coverage for prescription drugs.
  • Personal Financial Counseling (1)
    DM-6500

    Personal Financial Counseling

    DM-6500

    Programs that help people who are having difficulty paying their monthly bills gain control of their finances. The process generally involves analysis of the individual's income, expenses, debts, taxes and other factors to create a personal financial assessment; development of a budget for basic living expenses; and agreement on a short-term plan for repayment of creditors which may include debt consolidation or other strategies and a longer term plan for realizing personal financial goals.
  • Prescription Medication Services (2)
    LH-6700

    Prescription Medication Services

    LH-6700

    Programs that provide access to low-cost or difficult to obtain prescription drugs or supportive services that help patients take their medication as prescribed by their physician.
  • Social Security Disability Insurance (1)
    NS-1800.8000

    Social Security Disability Insurance

    NS-1800.8000

    A federal program administered by the Social Security Administration that provides monthly cash benefits for disabled workers who are fully insured under the program, who are not capable of substantial gainful work and who have completed a five month waiting period.
  • Social Security Issues (7)
    YZ-8270

    Social Security Issues

    YZ-8270

    Programs that provide information and/or services that deal with the topic of Social Security.
  • TANF (1)
    NL-1000.8500

    TANF

    NL-1000.8500

    A state program with matching federal block grant funds administered by the county or the state under state guidelines that provides time-limited cash assistance for needy families with (or expecting) children as well as job preparation, work opportunities and access to supportive services such as child care which enable parents receiving assistance to leave the program and become self-sufficient. TANF, which ends the federal entitlement known as AFDC, creates a five-year lifetime limit on cash assistance for most adult recipients; requires that recipients be working or participating in a work-related activity within two years and cooperate with comprehensive child support enforcement efforts including paternity establishment; and contains special live at home and stay in school provisions for teenage parents. States have wide latitude in structuring their TANF programs and may obtain waivers which exempt them from specific federal requirements. Recipients may receive monthly checks or be given electronic benefit transfer (EBT) cards which allow them to access their cash benefits at automated teller machines (ATMs) or point of sale (POS) equipment that is located in grocery stores, banks and other commercial locations.
  • Tax Information (4)
    DT-8700

    Tax Information

    DT-8700

    Programs that provide general information about the tax obligations of individuals, businesses, corporations and other entities, or details regarding specific tax credit, exemption, postponement or rebate programs for which they may be eligible.
  • Temporary Financial Assistance (16)
    NT

    Temporary Financial Assistance

    NT

    Programs that provide assistance for people who are experiencing an unexpected financial shortfall and have insufficient resources to obtain essential services or to meet expenses in situations where financial assistance related to their specific circumstance is unavailable. Monetary assistance may be in the form of cash, loans, checks or vouchers.
  • Utility Assistance (17)
    BV-8900

    Utility Assistance

    BV-8900

    Programs that provide financial assistance for people who are at risk for having their utilities shut off; offer discounted utility services; provide disconnection protection; arrange for notification regarding pending disconnection; make available special services such as large print utility bills or levalized energy bill payment arrangements which support people's ability to make their payments; or supply wood, propane, butane or other fuel for heating or cooking purposes in situations where people have no other means of acquiring them. Utility assistance programs may have age, income, disability, need or other eligibility requirements.
  • Utility Service Payment Assistance (2)
    BV-8900.9300

    Utility Service Payment Assistance

    BV-8900.9300

    Programs that pay all or a portion of the utility bills of people whose utilities have been or are at risk of being shut off. Also included are non-emergency programs like those funded through the federal Low Income Home Energy Assistance Program (LIHEAP), also referred to as LIEAP or HEAP in some states, that provide home energy assistance, generally in the form of a credit, for low-income households that apply. The assistance is usually available once per calendar year (or heating season). Utility bill payment assistance programs may have age, income, disability, need or other eligibility requirements.
  • Veteran Home Loans (2)
    BH-3500.3400-900

    Veteran Home Loans

    BH-3500.3400-900

    Programs that assist veterans who want to purchase or construct a home by issuing GI loans which feature moderate interest rates, no down payment, a long repayment period, and the right to pay all or a portion or the loan in advance without penalty.
  • WIC (1)
    NL-6000.9500

    WIC

    NL-6000.9500

    A federally-funded program that provides nutrition education and food vouchers for pregnant women, new mothers, infants and children younger than age five who cannot afford an adequate diet and, in the case of infants older than six weeks of age, who have a condition which shows a need for better nutrition. Vouchers are picked up at a WIC site (which are usually located in an health center that provides maternity and/or pediatric care) on a monthly basis and may be exchanged for milk, cheese, eggs, cereal, juice, vegetables, peanut butter, beans and formula in most grocery stores. In some states, WIC benefits are made available through electronic transfer benefit (EBT) cards.
  • Workers Compensation (1)
    NS-1800.9500

    Workers Compensation

    NS-1800.9500

    A disability insurance program mandated by the state and funded by employer contributions which provides compensation to covered employees for loss of their earnings as a result of an accidental injury or occupational disease sustained during employment, or which compensates dependents in case of a work-related death. The program provides for income replacement and supplement; scheduled awards for loss of sight or hearing, dismemberment or disfigurement; medical expenses (including hospital care); vocational rehabilitation, occupational therapy and retraining to enable a possible return to the workforce; and funeral expenses.
  • Workers Compensation Benefits Assistance (1)
    FT-1000.9700

    Workers Compensation Benefits Assistance

    FT-1000.9700

    Programs that provide assistance for people who are having difficulty understanding and/or obtaining the full benefits to which they are entitled by law under state Workers Compensation statutes. The programs may help people understand the eligibility criteria for Workers Compensation benefits, the benefits provided by the program, and the rights of beneficiaries; provide consultation and advice; help them complete Workers Compensation application forms; negotiate on their behalf with Workers Compensation benefits staff; and/or represent them in administrative hearings or judicial litigation. Included are organizations that offer a range of advocacy services as well as legal aid programs which offer more formalized legal assistance. Workers Compensation is a disability insurance program mandated by the state and funded by employer contributions which provides compensation to covered employees for loss of their earnings as a result of an accidental injury or occupational disease sustained during employment, or which compensates dependents in case of a work-related death.
 
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