The United States offers a wide variety of government benefits to Americans through several different assistance programs. These programs were created to provide those who qualify with funds to help them when they are most in need, whether in terms of medical, nutritional or maybe even educational assistance.
Housing assistance programs help citizens qualify for home loans backed by the government and provide access to low-cost housing for rent. Other programs such as Social Security help senior and disabled Americans.
The requirements and application processes depend on the program you want to apply to. Most of them consider your personal financial situation but they can also take into account several other factors. In some cases, allotments can also vary depending on the state. Below, you can find some of the assistance programs available as well as the basic requirements you will need to meet to get these benefits.
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Even if you don’t qualify for government grants, don’t make the mistake of thinking that you can’t get financial assistance. You can still receive financial help from private companies that can help you cover your expenses and get back on your feet.
About Cash Assistance
Certain financial circumstances allow you to quality for cash assistance programs and supplement your income. These temporary assistance relief programs are created to help navigate complicated situations such as unemployment that can have a serious impact on your ability to support your family.
One of these temporary programs is unemployment insurance, which applies to anyone who has lost their job through no fault of their own, for instance because the company needed to do budget cuts. Once you apply, this program provides benefits while you are looking for another job. Keep in mind that unemployment benefits are ran by each state, separately and requirements in terms of base period wage as well as any ther requirements can vary.
Another similar program aimed specifically at housholds with children is TANF, or Temporary Assistance for Needy Families, which provides cash assistance to families struggling to pay the bills and put food on the table. You will need to prove you are in financial need, and in order to stay eligible, take part in career training and actively look for a job.
If you want to get a free credit report, there are two ways to do it. You can ask the three major bureaus to send their reports to understand the slight variations in scores between them, or you can spread them out throughout the year to easily track your increases and decreases in credit every so often.
About Nutrition Assistance
If you are part of a low-income household you may also be able to access other government benefit programs. The largest program of this type is the Supplemental Nutrition Assistance Program (SNAP), formerly known as Food Stamps. SNAP is funded by the federal government but administered by the states.
In order to qualify for SNAP, you need to meet both income and resource limitis. As long as you stay within the limits, you will continue to qualify for the program and get the benefits. You can purchase several different food items, such as dairy, fruits, vegetables, bread and meats, among others.
Another popular program is WIC, or Women, Infants and Children program, which is aimed at pregnant women and families looking after children younger than five, and provides financial assistance to purchase nutritious foods. The program also covers health screening, nutritional counseling and other useful resources.
About Health Assistance
Affordable health insurance is not available to everyone. For this reason, ensuring low income families, children, which are the most vulnerable social groups, is key. There are several different assistance programs available to them, including:
- CHIP, or the Children’s Health Insurance Program, which provides coverage for children, parents, guardians and pregnant women that qualify. The program has federal requirements, even though the states are the ones in charge of administering it, which means the type of coverage may vary.
- Medicaid provides affordable health insurance to both children and adults. Medicaid has several differences from CHIP, although in several states they work together. Medicaid has stricter financial requirements and in some states, coverage is also extended to individuals with low earnings, instead of exclusively helping families.
- Tricare offers healthcare insurance to military service members and their families. There are several plans and programs available, each one with its own requirements, depending on the nature of their military service.
About Elderly and Disability Assistance
Social Security benefits offer financial assistance for seniors as well as disabled individuals. These benefits are generally federal, although some states provide additional assistance to supplement the federal income. There is either an age or a disability requirement to access these grants, as well as financial qualifications.
These benefits are available through two programs, both offered by the Social Security Administration. The SSI, or Supplemental Security Income is provided to applicants with a limited income and a qualifying age, blindness or disability. Children may also qualify for this type of assistance.
SSI disability (SSDI) is provided to either disabled or blind individuals whose long-term impairments do not allow them to work. SSDI allotments will vary depending on the work history and credits obtained, unlike the SSI program which does not consider work-related information.
About Housing Assistance
Several different types of government grants are available for individuals and families looking for affordable housing. Section 8 is a federally funded voucher-based housing program that helps families with lower earnings get safe, affordable homes. Vouchers are administered by local public housing agencies and provided for applicants to use in the private market, in qualifying properties.
However, for applicants looking for cheaper mortgages, there are also quite a few loan programs backed by the government, including VA home loans which provide service members with affordable loans to either buy or build their own homes. The Federal Housing Administration (FHA) and Fannie Mae provide loans with better terms, including lower down payments and interest rates.
If you are looking for rent-to-own options, you may be able to find private owners open to buying their homes through alternative options. Rent payments are considered part of the payment for the house and with each payment, ownership becomes even more of a reality. Rent-to-own programs are a great way of improving the credit score while waiting to secure a mortgage and pay for the remainder of the value of the home.
For individuals and families struggling with their healing and cooling costs, the LIHEAP or Low Income Energy Assistance Program is a federal plan available to low-income families for this specific purpose in case of emergency.
About Education Assistance
Getting an education can be an extremely expensive endeavor, especially for low-income families and military service members. Federal educational funding is available in the form of grants, and these don’t need to be repaid after awarded. Additionally, private companies also provide accessible loans to any individuals looking to pay for their education.
The funds can be used for books, room and board, tuition, etc.
One of the companies that provides student loans is Sallie Mae, with a wide range of options for undergraduates, graduates and even for parents that want to resume their studies. Credit will be a key factor when it comes to eligibility and interest rates, which can be either variable or fixed. There are also several repayment methods available to students.