Medical disability can lead to a variety of financial complications and, in some cases, leave an individual completely unable to find gainful employment. If you are caring for a child who has a disability, it is important to begin thinking about the options for financial support should your child be unable to work, fulltime, in the future. For many children, there is a need to begin applying for disability work allowance early in adolescence so as to be prepared for the compensation as an adult.
Disability work allowance, in the United States, is not typically a public funded program. Instead, the funds used to support individuals during their incapacity from work often comes from private donations. For example, if you are the parent of a child with an ADHD disability, and if you have found that disability may impair your child’s ability to work in the future, then private organizations would consider your child for the disability work allowance programs they offer once your child becomes an adult.
In some countries, such as the United Kingdom (UK), disability work allowance is common and is part of the social services offered in the country. In the United States, the closest option your child will have to this type of service will be the application, and approval, of social security disability income, SSDI. Even still, there may be private donations made available under a disability work allowance program.
When considering options for disability work allowance, as a parent, the first step you will want to take is to reach out to organizations that support the needs of children and parents who are living with your child’s particular disability. Finding local support groups, but also reaching out to forums, is also important. Once you’ve done this, you can begin to network with private organizations and donors.
It is important, for the benefit of your child, that you do not wait until your child is 18 years of age to begin researching funds available through disability working allowance programs. Instead, begin while your child is young and know what criteria is needed to qualify for such programs as this will make the application, and approval, process much easier once your child reaches 18 and qualifies as a disabled adult.
Sources: Disability Income Insurance, by Allan B. Checkoway