Financial Assistance sources for Home Adaptation in the USA

E-Z Access Loan
Program offered by the Amalgamated Bank targets businesses that are seeking to comply with requirements of the ADA and individuals with disabilities.
 Further information: (312) 822-3000 or www.aboc.com

Thorton Township Home Modification Program
Residents with disabilities may qualify for a grant to carry-on Home Adaptations to improve accessibility.  For further information: (708) 596-6040

Home Improvement Structural Alterations (HISA) Department of the Veterans Hospitals.
Requires that the veteran has been hospitalized within 1 year of the application date and accessibility adaptations are medically necessary.  For further information: 1-800 827-1000 or www.va.gov

H-rail
Program for home repair and accessibility modifications for seniors and persons with disabilities 60 yrs. and older.  For further information: City of Chicago, Department of Housing (312) 747-9000

Plan for Achieving Self-support (PASS)
This program covers modifications to a home through a SSI saving plan. Further information: Local Social Security Administration Offices or www.ssa.gov

Federal Housing Administration (FHA)
Two loan guarantee programs can provide direct loans with low interest rates, higher than normal debt ratio, extended terms, and low down payments or financed closing costs.

Long- term Care Insurance
Optional policy benefits assisting in the performance of activities of daily living at home such as the enriched home care benefits provides for actual charges paid up to a lifetime policy limit of 30 times the home health care daily benefits for special equipment such as ramps and grab bars.

Landlords
Tenants have the right to carry-on reasonable accessibility adaptations to their apartments and landlords should welcome the opportunity not only providing financial assistance but also finding the appropriate special equipment that ultimately will enhance his property.

Centers for Independent Living (CILS)
Non profit advocacy groups for people with disabilities may know of local assistance programs.

Creative Financial assistance resources
Fraternal Clubs, Special Gift Funds, Local chapters of disability organizations, Dept. of Housing and Urban Development (www.hud.org), Fannie Mae Foundation (www.fanniemaefoundation.org), Equity Financing, Case management/managed care. Income tax deductions.

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