As individuals age and are no longer considered minors, the funding options available to them can change, shift or decrease. In many cases, certain funding sources available while the child was attending school or was under the age of 21 are discontinued after that point. To assist with funding, certain ‘person-centered planning’ programs such as HCBS waivers are available that allow individuals with disabilities to have greater community integration in employment and community and personal life. These programs aim to help some individuals maximize their autonomy and independence in making life choices. Each state’s Medicaid program will generally have their own guidelines published online; information on waiver programs are available online on a state-by-state basis.
Other programs available to help defray the cost of care include Medicare (for health insurance) and SSI (for supplemental income). Supplemental Security Income (SSI) helps support individuals with disabilities with limited resources or who are unable to work due to various factors. Social Security Disability Income (SSDI) is also potentially a source of income, but the eligibility requirements for SSDI and SSI vary vastly. Sometimes SSI is supplemented with a state supplement, but this varies by state. Other programs that assist with defraying the cost of living include the Housing Voucher Choice Program (formerly known as Section 8), which was developed to help individuals with low incomes secure safe and affordable housing, and project-based housing. It is worth noting, however, that such programs will often not completely cover the cost of care for an individual with disabilities. The following breakdown of SSI income statistics can provide a very general idea of what an individual receiving SSI can receive.