Making modifications to your existing home to accommodate a disabled loved one, while costly and complicated, is a genuine necessity. Aside from cost, the challenge is raised in the event that renovations involve structural modifications. However, there are plenty of ways to ease your financial burden, and these include the following:
- Some building contractors offer lower rates depending on a disabled individual or the family’s capacity to pay. Reduced rates are usually offered for minor repairs and modifications that only cost around $150 to $2,000.
- The non-profit organization Rebuilding Together offers home modifications and repairs for those with disabilities, families with low income, Veterans, military families, and seniors. They likewise aid people whose houses were damaged due to natural disasters.
- The VA or Department of Veterans Affairs offers grants to veterans and service members with particular, total, and permanent disabilities associated with their service to aid them in purchasing, modifying their home, or building an adapted home. These programs include the SHA or Special Housing Adaptation grant and the SAH or Specially Adapted Housing grant.
- The United States Department of Agriculture or USDA offers the Single Family Housing Repair program to grant loans to families with extremely low income. The loan can be used for modernizing, improving, or repairing homes, as well as modifying an elderly’s home to eliminate safety and health hazards.
- Different states also offer loan programs through their housing finance agencies to aid disabled individuals in purchasing assistive technology or paying off adaptations and modifications to an existing home.
- Unlike, Medicare, Medicaid sometimes provides financial aid for purchasing big-ticket adaptation items such as portable tubs for disabled individuals. However, it is essential to note that Medicaid’s policies significantly vary from one state to another so make sure to check with your specific state.
In general, it is crucial that you contact each and every program to determine eligibility requirements. You must likewise determine how these programs interact or affect each other whenever applicable. For instance, if you’re already under one program, can you still apply for others, or will financial assistance remain the same or be reduced if used with other grants?
Once you determine which programs will be best for your specific circumstances, make certain that you understand and comply with their policies, the since majority of these programs will require approval prior to beginning your home modification process.