Social Security Defines Disability in Five Steps
Federal law provides a strict definition of disability. Here are the five guidelines they follow.
Apply for Health Insurance Programs for Children
What is SCHIP? SCHIP, or State Children’s Health Insurance Program, provides health insurance to uninsured kids and teens that are not eligible or enrolled in a medical assistance program. Like Medicaid, SCHIP programs are run separately by each state under the guidelines set by the federal Centers for Medicare and Medicaid Services (CMS). States are [...]
Medicare – Health and Medical Assistance
What is Medicare? Medicare is a Federal health insurance program that pays for hospital and medical care for qualified elderly and disabled Americans. The program has two main parts (A and B) but also offers additional extensions that provide service flexibility and prescription drugs (C and D). Medicare Part A (Hospital Insurance) – This helps [...]
A Guide to Qualifying for Medicaid
What is Medicaid? Medicaid is a government program that provides health-related services to qualified low-income individuals and families who otherwise could not afford adequate health insurance for themselves. It is managed by the Centers of Medicare and Medicaid Services (CMS), a division of the U.S. Department of Health and Human Services. Why do I need [...]
How to Apply for Unemployment Benefits
What are Unemployment Benefits? The Department of Labor’s Unemployment Insurance gives assistance to eligible workers who have lost their jobs through no fault of their own. These benefits are temporary. They are granted to those who meet State and Federal requirements. Why Do I Need This? If you lost your job during the recession and [...]
How to Get Help for Home Weatherization
What is WAP? The Weatherization Assistance Program (WAP) was originally only for weatherproofing your home. Weatherproofing was done usually through low-cost methods like weatherstripping doors and windows. In recent years, though, WAP has expanded to include cost-effective upgrades for heating, cooling and electrical systems. It now even includes specifics for qualified appliances. The idea now [...]
How to Apply for Housing Assistance (Section 8 Vouchers)
What are Housing Choice or Section 8 Vouchers? Housing Choice Vouchers or Section 8 vouchers are for helping very low income families, the disabled and the elderly who cannot afford decent, safe and sanitary housing – normally in the private market. The program is locally administered by public housing agencies (PHAs). All prospective houses or [...]
How to Apply for Food Stamps
What is the Food Stamp Program? The Food Stamp Program, now known as the Supplemental Nutrition Assistance Program (SNAP), helps low-income individuals and families buy healthy food that they need. If you qualify for food stamps, you will be given an Electronic Benefits Transfer Card (EBT) that you can use in participating establishments. The EBT [...]
A Guide to Food Banks in Your Area
What are Food Banks? If you do not qualify for food stamps, you may still find food assistance in food banks. Food banks are run by non-profit organizations that distribute food (mostly donated) to different agencies. Low-income families or individuals in need of proper nutrition can visit food banks to receive free food. How do [...]
Disaster Food Assistance
What is the FNS (Food and Nutrition Service) Disaster Assistance Program? The FNS Disaster Assistance Program provides food assistance to disaster victims who are in critical need of help. FNS works and coordinates with State, local and voluntary organizations to: • Provide food for shelters and other mass feeding sites. • Distribute food packages directly [...]
New Rule for Lenders: Free Credit Scores
Starting July 21, lenders will be required to provide credit scores to borrowers who have been denied a loan or have been given high interest rates.
The Military No Longer A Solution For The Unemployed
The military is going through a long-planned reduction in size, making it harder for young people who wish to join the military.
Secret Survey Plan on Access to Doctors
In lieu of the shortage of primary care doctors, the government is going to conduct secret surveys to see how difficult it is to get health care.
Eight Things You Need to Know About Retirement
Because retirement security has become a top concern for the working-class American, we’ve listed down eight things you need to know about retirement.
Budget Tips For The College Graduate
For those who have recently graduated from college, don’t expect to earn a lot. Here are tips to help you get through the first few months.
Money Myths That Aren’t True
We’re going to make life easier for you and bust some money myths, starting with…
Temporary Relief for New Jersey Residents
The TRUE program is a one-time benefit for New Jersey residents who are not eligible for low-income programs to pay electric and natural gas bills.
Pre-Existing Condition Insurance Plan
PCIP provides health coverage options if you have not been able to get health coverage because of your pre-existing health condition.
Possible TANF EBT Restrictions In Casinos And Liquor Stores
Media investigations found that TANF benefits are being withdrawn in questionable locations. New rules might be imposed on where the benefits can be withdrawn.
How to Retire Without Any Savings
If you’re one of the millions approaching retirement age with low to no retirement savings, don’t despair! Here’s how you can still have a good retirement.
