Tag Archives: pass

Planning Ahead: Financial Tips for Disabled Individuals — By Patrick Young.

Patrick Young is an educator and activist. He believes people with disabilities must live within a unique set of circumstances–the outside world often either underestimates them or ignores their needs altogether. He created AbleUSA.info to offer helpful resources to people with disabilities and to provide advice on navigating various aspects of life as a person with disabilities.

Click to access.

This is the 3rd guest post by Patrick Young on this blog.

Planning Ahead: Financial Tips for Disabled Individuals

Image from Pixabay.com.

Disabled individuals comprise America’s largest minority group — just under 20 percent of the population, according to the National Disability Institute. Unfortunately, those people face significant obstacles, including (but not limited to) financial stability. Stable employment is often a problem for the disabled, as well, and they may accrue living expenses and often-fragile health circumstances that non-disabled people don’t face.

Financial assistance through public benefits such as Medicaid and Social Security may be affected when disabled individuals have too much in savings or other assets. It’s important to discuss your financial options with a financial planner or someone who understands the options that are available to you. Here are some things to keep in mind.

Savings, Tax Breaks, and More

A personal savings account is one of the best ways to provide for your future. Set aside a certain amount every month, have it automatically deducted and placed in an interest-bearing savings account, though it’s important to set aside a manageable amount. Take advantage of tax credits and benefits and use them to boost your savings, and don’t undervalue the many discounts available to disabled individuals from a number of organizations and businesses.


ABLE (Achieving a Better Life Experience) are accounts to which anyone may contribute up to a certain amount ($15,000) and can be set up by or on behalf of disabled individuals (as long as they became disabled before age 26). ABLE accounts don’t impact your eligibility for Medicaid or Supplemental Security Income, and taxes aren’t taken out of distributions provided the money

is used for qualified disability expenses involving housing, transportation, education, health care expenses, assistive technologies, or financial management.


If you’re receiving Supplemental Security Income or Social Security Disability Income and wish to save for a work-related objective, you may be eligible for funding through PASS (Plan to Achieve Self-Support). PASS allows you to save money if you’re working toward a degree, want job training, or wish to launch a new business. Note, however, that work-related goals include income that may reduce your Supplemental Security Income or SSDI benefits.

Special Needs Trust

A special needs trust offers a way to manage resources for disabled people without putting their government benefits at risk. Trust distributions have to be in the individual’s best interests and be solely for the beneficiary, who must have no other available resources.

Individual Development

Individual development accounts (IDA) are good options for disabled persons because they can earn two-to-one matches toward their savings objectives. Another benefit is that a funded IDA account allows a disabled individual to save money without worrying about losing Supplemental Security income benefits as a result.

Looking Ahead

It’s important to plan ahead and try to foresee health needs as you grow older. Medicare is a valuable resource for seniors but there are important needs/coverage gaps that can be a problem for older individuals. Supplemental coverage can help you cover expenses such as prescription medications with a Medicare Advantage plan or Medicare Supplement insurance. Medicare Advantage plans help cover vision and dental benefits along with prescription costs.

Medicare Supplement insurance helps cover Medicare Part A and B copayments, deductibles, and certain out-of-pocket costs. Medicare Advantage and Medicare Supplement plans are sold by private companies, but you can’t have a Medicare Supplement and Advantage plan concurrently.

Establishing financial stability is a lifelong endeavor, so the sooner you can get started planning and saving, the better for you and your loved ones. There are many ways for disabled individuals to save money, but it’s important to understand how different plans work and how they impact government benefits. If you’re not sure how it works, take the time to talk with a financial planner to make sure you get the most out of savings programs.

I Like ‘Jim Acosta’, I Like ‘CNN’ & I Rely On ‘1st Amendment’ Rights — So, I Am Ecstatic.

by Anura Guruge

This from the U.K. “Daily Mail”. Google for much more.

I actually saw the whole incident LIVE last Wednesday. I kind of knew that Jim was pushing his luck BUT did NOT think he did anything untoward or illegal.

He is doing his job.

I like him. I like CNN and trust 98% of what I hear from them. Not so the White House.

This was a GREAT victory for Democracy. For that we should be happy and proud.

Thank you Judge Timothy Kelly. Good to see that we have decent judges — even if they were appointed by Trump.

Related Posts:
Search ‘Trump’.

by Anura Guruge

FREE Christmas Trees For 4th Graders Through The Wonderful U.S. Government “Every Kid In A Park” Program.

by Anura Guruge


Click to access the official “.gov” Website for this wonderful program. We used it, gainfully, last year.


The official announcement of the FREE Christmas trees. Click image to access official “.gov” Website.

Available in New Hampshire too!


Click to get more details from NECN.

The “Every Kid In A Park” is a wonderful program — a worthwhile use of OUR tax dollars.

We lucked out last year, 2015 – 2016 School Year to be precise. Teischan was a 4th grader. I printed out the forms online.

We, as a family, went to Yosemite, Kings Canyon & Sequoia National Parks, in April 2016, using her free pass. She lost her pass when our rented SUV was broken into in San Francisco.

When we went to Acadia National Park, in July, for the Centenary, I got her another pass. No hassle — as long as she was a 4th grader.

So, I am an avid supporter of this program.

This free Christmas tree deal is another winner. A great promotion. I am delightedPass this information along.

All 4th Grade teachers should make a point of explaining this to their kids.

[Some, for reasons that escape me, are reluctant. I tried to get Teischan’s teacher to tell the other kids about this program BEFORE the Summer vacation. She never did!]


Related posts:
++++ Search ‘Parkfor other posts >>>>

++++ Check Category ‘Acadia’ >>>>

by Anura Guruge

Acadia National Park Flora — Bar Harbor, “Wonder View Inn”.

by Anura Guruge

Click pictures to ENLARGE.

Took all of these on September 3, 2016,
in the lawn of the “Wonder View Inn“,
in “Bar Harbor” — after enjoying their
very good complimentary hot breakfast.
Our 4th time staying there.

Taken with my new
 Nikon P900.

Attribution WILL be enforced.

Related posts:
++++ Check Categories ‘Acadia’‘Nikon’ & ‘Six Images’ >>>>

by Anura Guruge

Acadia National Park: New, Impressive Visitor Center In Schoodic.

by Anura Guruge

Click pictures to ENLARGE.

This new Visitor Center, opened on September 1, 2015,
is near the start of the ‘Schoodic Peninsula Loop Road’.
It is actually in the newly constructed
‘Schoodic Woods Campground’.
As such it is easy to overlook —
which would be a shame.

Taken with my new
 Nikon P900.

Attribution WILL be enforced.

It was our first time to this center. We had been to Schoodic during our June 2015 visit but had not gone over in September 2015 or July 2016.

Much of the signage focuses (probably rightly) on the Campground rather than the Visitor Center. Very attractive and blends in real nicely with the landscape. Very considerate towards the canine visitors as you can see from two of the photos (and I must confess I had never seen a ‘Canine Hitch’ before).

Nice relief map of the area inside (as you can see from one of the pictures). Bit sparse but for that. But that is OK. There were three rangers when we stopped by on a Saturday afternoon, and, as ever, they were helpful enough. Kind of funny. Without coming out point blank and asking they were, nonetheless, very keen to find out whether we had BOUGHT a pass to visit the Park. [Yes, we had, a Senior Pass to befit my senior years.] They really do need the money. They use a dial-up line to process their credit-card purchases and it is the same line that they use for incoming calls! If a call comes in the credit-card transaction gets voided and has to be reprocessed. And this is in 2016 — albeit, quite literally, ‘in the sticks’, if not ‘in the woods itself’.

Glad we went. So Schoodic now has two centers. This new Visitor Center and the beautiful ‘Schoodic Education and Research Center‘ — originally a John D. Rockefeller Jr. sponsored ‘hall’ designed by one of his favorite architect’s, New York’s Grosvenor Atterbury who also designed all of the gatehouses for Rockefeller on the ‘Mount Desert Island’ side.

‘Schoodic Education and Research Center’ by Grosvenor Atterbury.


The new Schoodic Visitor Center on Google Maps.

Related posts:
++++ Check Categories ‘Acadia’‘Nikon’ & ‘Six Images’ >>>>

by Anura Guruge