HELP!

From time to time, I will provide resources in this blog which might be helpful. Today I am going to concentrate on financial assistance.

Let’s start with TANF—Temporary Assistance for Needy Families. These programs differ from one state to another. They may include cash assistance, food stamps, child care, and health care (Medicaid and CHIPS). If your income is too high to qualify, ask if your state provides child-only grants, guardianship subsidies, non-parent grants, or kinship grants.

A word regarding heath care. When we got custody of Mary Ellen, she was on Medicaid, but when it needed to be renewed, she was no longer eligible. When I tried to change her to my insurance, I found out there was a fast-approaching deadline. The insurance company needed evidence from the state giving the reason for termination. The state wouldn’t give it to me because Mary Ellen’s mother was listed as the contact. Fortunately, she and I are on speaking terms. In spite of that, the time for getting the document was too long. Again, the gods were with us, and the supervisor for my company worked with me to get coverage. They said this was a common problem. Check way ahead of time, if you might be in this position.

Your child may be eligible for social security benefits. To find specific information, go to www.ssa.gov. Scroll down to the bottom of the page and click on the people-like-me button.

Be sure to identify any tax breaks you are eligible to take. The child will need a social security number. The IRS website is www.irs.gov. I found it to be only marginally helpful. However, be sure to ask about the following: dependency exemption, earned income tax credit, child tax credit, dependent care credit, and education-related credit. If you adopt, you might be able to receive credit for the legal expenses you incur.

Finally, The National Council on Aging has a website that will search possible benefits by state. Their address is www.benefitscheckup.org. You fill out a form—go to the long one to include the child in the information—and they search the data base to provide you with the names of any programs for which you might qualify.

Please feel free to comment on these or add others.