A disability that qualifies for Social Security insurance is defined as a medical condition that will last at least a year or result in death. This medical condition must be serious enough to eliminate a person's option to work. To apply for these benefits, log on to www.socialsecurity.gov or call 1-800-772-1213. Under this program, a disabled person and his children (if they are unmarried and under 18 years of age) will obtain monthly funds through direct deposit or mail. The monthly grants will increase with the cost of living. Remember, Social Security disability insurance is only for people with long-term, severe disabilities.
SSI is available to the disabled, blind and those over age 65. SSI gives an equal base amount of money to each qualified recipient. In addition, some states provide other grants. When you are approved for SSI, the state will usually provide information about food stamps, Medicaid and other services for you and your family. SSI also grants money to disabled and blind people who choose to continue working. The amount of money given to them does not decrease upon employment. If you are 62 or older, you and your family may qualify for both SSI and Social Security retirement benefits.
The U.S. government provides Housing and Urban Development (HUD) grants and loans to assist disabled homeowners in purchasing a home or paying their mortgages. For specific information, check the HUD link in the "Resources" section. The Individuals with Disabilities Act of 1975 made it possible for disabled people to receive scholarships and grants for attending college. Specific schools also provide their own fellowships and grants to disabled students. Many private and nonprofit organizations provide grants to the disabled, allowing them to afford their family's bills and basic needs.