The Coronavirus Aid, Relief, and Economic Security (CARES) Act provides many homeowners with protection against foreclosure, as well as the right to pause mortgage payments during times of financial hardship.A federal law put in place during the COVID-19 pandemic offers two protections for homeowners with federally or Government Sponsored Enterprise (GSE) backed mortgages. How To...Read More

Medicaid is a public assistance healthcare program available to all low-income Americans. Unlike Medicare, which guarantees coverage for individuals ages 65 and older and with certain disabilities, Medicaid determines coverage based largely on financial need. Medicaid is paid for with public funds collected through income taxes. Specific eligibility requirements are determined at a state level,...Read More

Medicare is federal health insurance for seniors 65 or older, persons with specific disabilities and also individuals who’ve been diagnosed with End Stage Renal Disease.Medicare has two parts: Part A, which is hospital insurance, and Part B, which is medical insurance. In most cases, Part A is covered under Medicare and Part B is available...Read More

The Low Income Home Energy Assistance Program (LIHEAP) helps families in need afford home energy services and reduce the health and safety concerns that can be caused by unsafe heating and cooling practices. LIHEAP is a federally funded program with budget and coverage specifics that are determined by each state. In general, LIHEAP assists low...Read More

In response to concerns about long wait periods for disability benefit determination, the Compassionate Allowances program is available to applicants whose medical conditions are so serious that they are clearly qualified for disability benefits. This allows the most obviously disabled applicants to receive benefits within a quicker timeline—often 3 to 6 weeks after applying for...Read More

The Supplemental Nutrition Assistance Program (SNAP — formerly the Food Stamp program) is an important federal program that provides low income adults and people with disabilities with a monthly benefit that they can use to purchase food. This program is especially important for low income seniors who often live on fixed budgets and are forced...Read More

The Temporary Assistance for Needy Families (TANF) program provides temporary financial assistance for pregnant women and families with one or more dependent children. TANF uses state funds to provide up to 5 years of cash assistance along with work readiness, training and job placement services.  The primary purposes of TANF are to provide families in...Read More

The CAL initiative is designed to help the Social Security Administration (SSA) expedite the waiting period for individuals applying for Social Security benefits. It is meant to help those with the most serious disabilities reach a disability determination from the SSA faster enabling those individuals to get the benefits they need in a timely manner....Read More

There are many Federal Government grants as well as other assistance programs available to help those in need. However, it’s important to understand how this funding and other support can be obtained. What many don’t know is that a good portion of the federal grant and assistance available is actually disbursed to state and local...Read More

Going through the approval process and ultimately receiving Social Security Disability Benefits can be a lengthy process. What makes it harder is the financial strain it puts on you and your family while in the waiting period. With bills to pay and limited work options, it can put many into a very challenging financial position....Read More