Financial Resources to Meet Basic Needs

Traumatic events can create many hardships for families, one of which may be financial strain. There are many public and private resources available to families who are having financial difficulties. Each public or private vendor sets its own standards for eligibility. For example, many public utility companies offer discounts when a disabled family member lives in the household.

Resources that may help your family meet its basic needs:

Local Welfare Departments: Each town can provide direct relief by vouchers to assist customers within their jurisdiction. They can help with basic food, heat, rent, and utilities when there is limited income and no other means of support. For contact information for each office, visit the Brain Injury Association of New Hampshire's website at http://www.bianh.org/resource/financial.htm and see Local Town and City Welfare Departments.

Local Social Security Office: This is where you apply for Social Security Disability Insurance or Social Security Supplemental Insurance. There are six regional offices in New Hampshire. For contact information for each office, visit the Brain Injury Association of New Hampshire's website at http://www.bianh.org/resource/financial.htm and see Social Security Administration Assistance Programs.

Local Department of Health and Human Services: The District Offices administer assistance programs such as Medicaid, Katie Beckett, Temporary Assistance to Needy Families, Aid to the Permanent and Totally Disabled. There are 12 regional offices in New Hampshire. For contact information for each office, visit the Brain Injury Association of New Hampshire's website at http://www.bianh.org/resource/financial.htm and see Department of Health and Human Services – District Offices.

Community Action Programs: These programs provide outreach services for shelter emergencies, housing, elderly and family programs, and utility assistance. There are six regional offices in New Hampshire. For contact information for each office, visit the Brain Injury Association of New Hampshire's website at http://www.bianh.org/resource/financial.htm and see Community Action Programs.

New Hampshire Housing Finance Authority: This organization provides assistance to all persons who meet income eligibility rules, according to HUD guidelines. Programs consist of rental assistance and home ownership options. There are 18 regional offices in the state.

Local Telephone Company Programs: Verizon offers the Lifeline program, which provides reduced fees for installation and monthly services. For more information about Lifeline for Verizon customers in New Hampshire, visit the Verizon website at http://www.lifelinesupport.org/li/consumers/states/nh/verizonnh.asp.

Local Utility Company Programs: Public Service Company of New Hampshire (PSNH) has a payment assistance program that provides a discount of 35% or more to qualified customers. For more information about payment assistance through PSNH, visit the PSNH website at http://www.psnh.com/.

Local Church and Civic Organizations

Private Foundations

TIP: Just as you have kept a paper trail for medical records, it is essential that you do so for financial resources as well. Retain a copy of all paperwork. Document names of customer service representatives and dates of conversations. Most services require that you fill out an application and demonstrate proof of financial status. It will be helpful to create a file of your monthly bank statements, paycheck stubs, and bills.