Help Children With Disabilities
Edited by Debbie, Charmed, Eng, Maria Quinney and 3 others
Does your child complain of having difficulty doing their assignments in school because they can't concentrate or pay attention properly? Maybe they have to read the same material all over again, and still can't grasp what they are reading, and it can be frustrating to them. Then no doubt, there is a problem. It could be your child has a disability that they cannot help. Symptoms of learning disabilities include delayed language skills, trouble rhyming words, habitual mispronunciation, inability sounding out letters in simple words, difficulty learning letters and numbers, confusion in using words that sound alike, and difficulty following instructions.
What can you do if your child seems to have a learning disability?
- 1 Instructions
- 2 Suggested Special Needs Organizations
- 3 Coping with Learning Disabilities
- 4 How Medicaid Disability Benefits Can Be Your Lifesaver
- 5 Finding Your Way through the Disability Insurance Maze: A Guide to People with Disabilities
- 6 Choosing the Best Type of Supplemental Disability Insurance for Your Need
- 7 Tips Tricks & Warnings
- 8 Comments
- 1Have his vision and hearing tested to rule out these causes.Advertisement
- 2Obtain a medical evaluation.Advertisement
- 3Read and learn about your child's type of learning disability
- 4Tutoring. Take advantage of any special program your child's school might have for children with disabilities.
- 5Give your child the social and emotional tools they need to work through challenges.
- 6Influence them. Your child mirrors what he or she sees in you. So it is good if you always show a positive Outlook in learning and life as a whole.
Different approaches are used to different disabilities. be very careful on what you may want to use for it cold either encourage or discourage them. Below are some tips on how to handle different disabilities.
Kids who have hearing impairment will have hard time catching up with fast-paced speaking when they are under a traumatic event. Anyone caring for kids with this impairment should be very sensitive. Be mindful of your descriptions and the words that you use. Visual aides can be helpful when you want to convey something to them.
Kids with visual impairment are unable to pick or catch facial expressions and some other visual cues. A good way to let them understand what you are trying to say or describe with verbal cues. Describe verbally as accurate as possible all the things that they hear.
Of course we want our kids with special needs to live like the other kids in the neighborhood. We do not want them to feel they are different and needs to stay away from others but let's admit that special kids need special care and attention. As parents, it is our responsibility to make them feel loved and valued despite the disability but seeking the help of some special needs organization would even help us carry out those responsibilities. If you are considering of looking for one, below are some suggestions that you may want to look on.
Suggested Special Needs Organizations
- 1National Collaborative on Workforce and Disability for Youth or NCWD. The organization focuses on the needs of teenagers with disabilities by helping them cope up with the disability they have and be able to fit in a suitable workplace for them in the future.Advertisement
- 2Federation for Children with Special Needs. The organization is located in Boston assisting both parents and children with special needs. Parents and kids are allowed to live in an environment where they can have a full participation to community works. This will help the kids realize the potentials they have.
- 3Parent to Parent USA. In here, parents with kids of the same disability pairs up and serve as a support system to each other. They share some ideas on how the situation should be dealt on and what to do to fully help the kids realize their worth. Not only do parents and kids receive a good support system but new friendships built as well.
- 4The M.O.R.G.A.N. Project or Making Opportunities Reality Granting Assistance Nationwide. This group gives full support to families with special kids may they be biological or adopted. Besides reading materials that they provide in education parents with special kids, the organization also shoulders medical and travel expenses which are not under the insurance policy of parents.
- 5National Dissemination Center for Children with Disabilities. The organization disseminate information about child and teen disabilities. Part of its aim in educating people about proper special child care is coming up with services and programs on how such special needs be addressed. The organization does not focus on a single or several disability but they have wide resources on the different ways to handle these children and teens.
Coping with Learning Disabilities
Some indicators of learning disabilities may also be more prevalent during specific developmental stages such as difficulty in learning the alphabet during preschool, difficulty in telling time during ages 5 to 9 and poor handwriting during ages 10 to 13. Parents and other significant caregivers are expected to be familiar with and closely monitor developmental milestones so that they could immediately delays and lags. When you have observed quite a number of developmental difficulties and lags in your child, it would be best to consult a pediatrician or a psychologist. Whether or not your child has a learning disability, seeking expert opinion will help you understand what your child is really going through and what you can do about it.
- 1Know the types of learning disabilities. Learning disabilities are classified into different types according to the specific skill or developmental milestone. Learning disabilities are termed as dyspraxia for problems in movement and coordination, dysphasia and aphasia for impairment in spoken and written communication, dyscalculia for problems with arithmetic and numbers, dysgraphia for difficulties with handwriting and spelling, auditory processing disorder referring to the inability to process differences between sounds and visual processing disorder referring to the difficulty in interpreting visual information. In addition, other psychological disorders also seem to have a major adverse effect in a child's learning such as attention deficit hyperactivity disorder (ADHD) and autism.
How Medicaid Disability Benefits Can Be Your Lifesaver
A social welfare health and medical services program initiated by the government, Medicaid is intended to provide security and financial assistance to individuals and families in the lower-income bracket during health and medical emergencies. Millions of elderly individuals and families find Medicaid benefits to be such a relief in times of need and uncertainty. Even non-elderly individuals, both employed and unemployed, could still count on the assistance from Medicaid benefits. Although Medicaid is predominantly initiated by national government, the management and implementation of benefits availment is under the jurisdiction of state governments. Different states may wish to add implementing rules and regulations to the standard ones mandated by federal institutions.
What makes Medicaid an even better news is that it does not exempt people with disability from reaping the benefits of this insurance and financial assistance. Even other insurance programs that are supposedly tagged to be specific for disabled individuals and their families seem to have a narrower scope of specific disabilities that will be covered. Even Social Security disability benefits have been elusive of some disabled people. Fortunately, those who have been denied from availing these Social Security disability benefits could already count on the opportunity to take advantage of Medicaid benefits for people with disabilities. Important requirements to be eligible to receive Medicaid benefits include residency, immigration status and proof of US citizenship.
However, one should also bear in mind that Medicaid is not simply a dole-out charity program. Governments have strictly highlighted that families or individuals who could no longer rely on personal assets will priority recipients for Medicaid benefits. Implementing and monitoring institutions will strictly do background check on Medicaid applications to ensure that there will no fraud in the transactions. It has been noted that some Medicaid applicants have resorted to transferring their personal assets to the name of other individuals to establish or ascertain their economic status or income level. In fact, applicants who still have properties that could be passed on to their next generations will most likely be denied from Medicaid benefits. Low income and very limited assets are the top requirements for Medicaid availment.
Likewise, Medicaid disability benefits will not automatically be handed to you in a silver platter. Medicaid programs, facilities and services could vary from one state to another. Thus, it would be best to research what facilities and services are being made available by Medicaid in your state. The services you need may not be the ones offered or the ones available may not fit your need. Some facilities also choose not to accept Medicaid for payments for certain issues that have not been disclosed to the public.
Nevertheless, the Medicaid disability benefits program features several advantages that are standard across all states. Medicaid covers long-term care services both at home or at accredited nursing facilities. Unfortunately, home-care services have minimal coverage only in some states. You will no longer need to shell out your hard-earned money to avail of health and medical services. Yet, every program or initiative is not free from disadvantages and drawbacks. You can only use your Medicaid disability benefits with accredited providers, facilities and professionals. This may pose a problem if you have already maintained regular consultations with a medical specialist who is not accredited by Medicaid. The continuity of providing medical assistance and the consistency of the quality of care may be significantly compromised.
Finding Your Way through the Disability Insurance Maze: A Guide to People with Disabilities
Financial experts always emphasize that financial stability goes beyond making your finances grow. To be financially smart, one should also invest in his or her future. You should also invest in protection for whatever you have - your house, your car and, most specially, your life. One aspect that is often overlooked in insurance is one's earning power. It is for this reason that disability insurance is considered to be a good buy even by the most skeptical consumer. Even if your company provides you with a certain disability coverage, it is too risky to assume a false sense of security. You will most likely find a crowd of disability insurance providers and agents offering you their policies. Here is a rundown of tips to help you find your way through different policies and get yourself the best disability insurance coverage you truly deserve.
- 1Get a policy for 'own occupation'. This type of policy ensures that the coverage will protect you during those times you will no longer be able to perform or function at your current job. On the other hand, an 'any occupation' type of disability can only provide you with coverage when you do not have any job at all. If you land in any job, even if it is a case of underemployment, an 'any occupation' policy will not have you covered even with a single cent.
- 2Get a policy that offers coverage until you reach the age of 65. In most states, retirement benefits are provided when an individual reaches the age of 65. Some insurance policies only offer coverage of up to five or ten years after the date of signing up for the policy. If there is a long gap between the end of your disability insurance policy coverage and your eligibility for retirement benefits, it would mean that you will not be receiving financial assistance for those years. Insurance policies with five or ten-year coverage may have lower premium rates but may even be more expensive in the long run. Disability insurance policies with more years of coverage may seem more costly upfront but may be more practical and cost-efficient in a long-term perspective.
- 3Be prepared to wait until you start availing of your disability insurance benefits. Make sure you can financially endure the long haul. An emergency fund will surely be helpful during these situations. The lack of an emergency fund or a contingency plan to sustain your expenses when you are off from work might lure you into debts.
- 4Decide how much benefits you want. The premiums you have to pay are computed based on how much benefits you would want to receive in the future. Some policies offer coverage that would equal to around 60% of your gross income. However, be careful about choosing a policy coverage with premium rates that may be too high for you to maintain.
- 5Check your occupational class. Certain occupational classes such as contractors and seafarers face greater risks and threats than others like managers and office-based workers. You have to bear in mind that your insurance policy provider will also calculate your premium rates based on your occupational class. If you belong to high-risk professions, you may be required to pay higher premium rates. Likewise, self-employed and work-at-home professions also signal greater risk to the insurance policy provider because of the difficulty in verifying income.
Choosing the Best Type of Supplemental Disability Insurance for Your Need
Regardless of the profession you belong to, having supplemental disability insurance will surely be a lifesaver during the rainy days. Disability insurance serves as a protection for your earned income when certain disabilities disable you from fulfilling your work responsibilities. When the core functions of your work are already compromised due to the disability, you will surely appreciate having supplemental disability insurance within your reach. Disabilities can be brought about by psychological problems, illnesses or injuries. By availing of supplemental disability insurance, you will be receiving periodic payments of benefits during a specified period of time. In most instances, coverage of supplemental disability insurance policies could range from 40% to 65% of your gross income.
Nevertheless, specific coverage may vary from one policy to another. Computation of premium rates that should be paid by an applicant for supplemental disability is also based on several factors such as occupational classification. In addition, choosing a supplemental disability insurance to get for yourself is not as easy as it sounds to be because there are different types of disability insurance offered by a crowd of policy providers. Here are tidbits of what makes each type different from the others.
- 1Individual disability insurance. Individuals who are self-employed or who work at home are usually denied of their typical disability insurance because of the difficulty in verifying their income. If you want a wider coverage that will encompass a broader category of circumstances, your policy may come with high premium rates. Aside from the scope of the coverage, your specific work, the risk involved and your place of residence will also be considered in computing your insurance policy's premium rate.
- 2Business overhead disability insurance. This specific type of policy is most highly recommended for businessmen and entrepreneurs. This policy will cover overhead expenses of the business when the owner suffers from any type of disability. Disability of the owner could certainly take its toll on the business finances. With business overhead disability insurance, rent or mortgage costs, maintenance fees and even salaries and wages could still be taken care of.
- 3Key-person disability insurance. You may not own the business but you hold a critical position or role in it. Thus, your absence could have a significant impact on the company you are working for. This could be a major headache for the business owner, your boss. This type of insurance helps ensure the continuity of business transactions even in the absence of a key official in the business. Thus, the risk for losses due to hampering of business operations is minimized.
- 4High-limit disability insurance. Regardless of your income bracket, you can still enjoy individual disability benefits at 65% by availing of high-limit disability insurance. This specific insurance policy is still offered on top of the individual's disability insurance policy.
- 5Employer-supplied disability insurance. A benefit provided by employers to their employees, this specific type of policy aims to provide insurance in cases of on-the-job injuries and job-related disabilities. This may or may not be part of an employee's standard compensation package. Likewise, the coverage is only valid throughout the employment of the individual with the particular company.
- 6National social insurance programs. This government-provided insurance coverage is intended to provide financial assistance for the citizens during times of uncertainties and financial instability. Through these government-funded programs, no citizen of these particular countries could claim to be empty-handed.
Tips Tricks & Warnings
- Make sure your child has a healthy diet of whole grains, fruits, and vegetables.
- Have them get plenty of sleep for learning.
- Love your child and support them with their challenges they face.