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Last Mom http://lastmom.com Life and love through older child adoption, special needs and teen hormones. Tue, 01 May 2018 21:31:12 +0000 en-US hourly 1 https://wordpress.org/?v=4.0.24 Learn to save money with ABLE United – and maybe win some $ #sponsored http://lastmom.com/able18/ http://lastmom.com/able18/#respond Tue, 01 May 2018 21:25:06 +0000 http://lastmom.com/?p=7386 This is a sponsored post, but all thoughts are my own. We could all use some extra money right?  If you are a person with disabilities or are raising a child with disabilities, this becomes even more crucial.  We want to save money for all those medical expenses, as well as basic living expenses.  A […]

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This is a sponsored post, but all thoughts are my own.

We could all use some extra money right?  If you are a person with disabilities or are raising a child with disabilities, this becomes even more crucial.  We want to save money for all those medical expenses, as well as basic living expenses.  A little extra for fun splurges would be an added bonus.  But saving is so hard.

Enter ABLE United.

If you attended ABLE United’s webinar last month, How to Save and Invest with ABLE United, now is the time to take action by signing up for an account during the month of May and be entered into the change to win a $250 contribution to your account!

If you missed it, there is still an opportunity for you to learn how you can save tax-free and invest for you or your loved one’s future – click here to view the recorded webinar. This webinar featured representatives from Callan, ABLE United’s investment consultants, who helped prospective account holders understand investing, risk, performance, and the differences between each of ABLE United’s investment options.

Asset thresholds no longer a barrier – so open up your account and start saving for a better future.

Open your account by May 31, 2018, and you could be the one lucky winner to receive a $250 account contribution from ABLE United! To get started, click here – and make sure to use “LASTMOM17” upon sign-up to also receive a free enrollment package.


If you have any questions along the way, call their customer service hotline at 1-888-524-ABLE (2253) or email them at customerservice@ableunited.com.

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How to Save and Invest with ABLE United #spon http://lastmom.com/how-to-save-and-invest-with-able-united/ http://lastmom.com/how-to-save-and-invest-with-able-united/#respond Tue, 10 Apr 2018 03:45:59 +0000 http://lastmom.com/?p=7377 This is a sponsored (paid) post for ABLE United through Bloggin’ Mamas, but I am a big fan of this program and encourage you to check it out. Financial decisions impact our everyday lives – everything from putting gas in our car to what we put in and on our bodies relies requires money.  Financial literacy […]

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This is a sponsored (paid) post for ABLE United through Bloggin’ Mamas, but I am a big fan of this program and encourage you to check it out.

Financial decisions impact our everyday lives – everything from putting gas in our car to what we put in and on our bodies relies requires money.  Financial literacy is key to being able to manage our money successfully.  This is budgeting.  Not spending more than we have.  Knowing what items to prioritize.   This is especially challenging for people with disabilities who often have big decisions to make like medication or food.

Results from the National Disability Institute’s report on Financial Capability of Adults with Disabilities tell us that people with disabilities are having more difficulty than others covering expenses, paying bills, saving, coming up with funds in an emergency, planning ahead, and effectively managing money. In fact, responses to a survey measuring basic financial knowledge showed that individuals with disabilities showed to be twice as challenged compared to individuals without disabilities.

In celebration of National Financial Literacy Month, ABLE United is hosting a webinar on how you can save tax-free and invest for you or your loved one’s future. Representatives from Callan, ABLE United’s investment consultants, will help current and prospective account holders understand investing, risk, performance, and the differences between each of ABLE United’s investment options.

How to Save and Invest with ABLE United Webinar

Thursday, April 19th

12 – 1 P.M. EST

Register today!

Here’s the link

If you’re not already an ABLE United account holder, sign up today by visiting ableunited.com and start saving for a better life experience – and make sure to use “LASTMOM17” upon sign-up to receive a free enrollment package.

 

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People with disabilities can save money and WIN with ABLE United #ad http://lastmom.com/ableunitedholidays/ http://lastmom.com/ableunitedholidays/#respond Fri, 08 Dec 2017 03:10:11 +0000 http://lastmom.com/?p=7371 This is a sponsored post for ABLE United. ‘Tis the season for giving, and ABLE United is in the holiday spirit! In addition to recently reducing the monthly account fee to $0.00, they are also offering individuals who create a new account during the months of November and December the opportunity to win a $1,000 […]

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This is a sponsored post for ABLE United.
‘Tis the season for giving, and ABLE United is in the holiday spirit!
In addition to recently reducing the monthly account fee to $0.00, they are also offering individuals who create a new account during the months of November and December the opportunity to win a $1,000 contribution – and if you use my promo code LASTMOM17 during registration, they will send you a free gift.
And ya know what’s super cool, especially during the holiday season?  ANYONE may contribute to an ABLE United account via the eGift portal, check, money order, cashier’s check, or automatic contribution.  Great for when people ask for gift ideas!
ABLE United provides family members and friends with the opportunity to make a gift to an individual with a disability in the same manner as they contribute to a 529 college savings account. While an ABLE United account is an option to consider, they must be mindful of some of the differences between an ABLE United account and a 529 college savings account. The differences they should take into consideration might include:
- ABLE United accounts can only receive up to $14,000 in contributions from all sources per year (this limit increases to $15,000 in 2018).
- Funds in an ABLE United account can be used tax-free for a wide variety of qualified disability expenses including housing, transportation, medical, and even basic living expenses.
To see how ABLE United has helped people like you plan for – and fund – their future, click here to read Bridget Hawk’s story on how her son used his ABLE account to save for his first car.
Open your account by December 31, 2017, and you could be the one lucky winner to receive a $1,000 account contribution from ABLE United! To get started, click here – and if you have any questions along the way, call their customer service hotline at 1-888-524-ABLE (2253) or email them at customerservice@ableunited.com.
unnamed 1 1024x535 People with disabilities can save money and WIN with ABLE United #ad unnamed 1024x535 People with disabilities can save money and WIN with ABLE United #ad

 

 

 

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Webinar on savings for people with disabilities http://lastmom.com/disabilities/ http://lastmom.com/disabilities/#respond Thu, 19 Oct 2017 22:33:45 +0000 http://lastmom.com/?p=7367 This is a sponsored post for ABLE United. Saving money is hard, right?  It’s even more difficult for those with disabilities.  You’ve seen me promote ABLE United before.  They help with savings and there’s a webinar coming up to teach you more. According to a survey conducted by America Saves, only 40 percent of households […]

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This is a sponsored post for ABLE United.
ABLE United October 2017 Special Needs Trusts webinar 1 Webinar on savings for people with disabilities
Saving money is hard, right?  It’s even more difficult for those with disabilities.  You’ve seen me promote ABLE United before.  They help with savings and there’s a webinar coming up to teach you more.
According to a survey conducted by America Saves, only 40 percent of households are making good or excellent progress in saving, and more than 27 percent report no progress at all. The numbers are even more dismal for the disability community – the National Disability Institute reports that an estimated 1.9 million households that include an individual with a disability do not have a checking or savings account. Many lack adequate financial education and the necessary tools to grow their savings. Until now, some were not even provided the same opportunities to save as the general population.
Individuals with disabilities who rely on government means-tested assistance programs to meet their needs were previously limited to only $2,000 in assets. This effectively prevented them from planning for the future and forced them to live in poverty. But now, this $2,000 asset limit is no longer a barrier.
ABLE United offers individuals with disabilities the opportunity to save up to $14,000 each year, tax-free, without negatively impacting federal benefits.
Some of the benefits of ABLE accounts include:
  • Access
  •  Flexibility
  • Funeral and burial payments
  • Doesn’t require attorney
  • No monthly cost or cost to open
  • Already approved by SSA and Medicaid
But, how does an ABLE account compare to other financial planning tools, such as a special needs trust?
Join ABLE United and special needs attorney Travis Finchum in a discussion of the attributes of both types of accounts, to help you determine the best choice for yourself, your loved one, or the people you serve.
 
CLICK HERE FOR WEBINAR INFO   use code LASTMOM17
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Carnvival Cruise: Half Moon Cay Tips http://lastmom.com/carnvival-cruise-half-moon-cay/ http://lastmom.com/carnvival-cruise-half-moon-cay/#comments Thu, 06 Jul 2017 15:03:20 +0000 http://lastmom.com/?p=3392 I have to tell you about my favorite part of our Carnival cruise:  the day at Half Moon Cay.  This is a private island only used by the cruise lines.  The ship docks off the shore and you board a smaller boat to go to the island. It’s beautiful.  No shops or restaurants.  No hustle […]

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I have to tell you about my favorite part of our Carnival cruise:  the day at Half Moon Cay.  This is a private island only used by the cruise lines.  The ship docks off the shore and you board a smaller boat to go to the island.

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It’s beautiful.  No shops or restaurants.  No hustle and bustle.  Just sand and sea.

The water is so blue to look at and so clear when you’re in it.  It’s cool, but not cold.  It’s flat like a pool.  You can walk way out and still be able to stand.  It’s great for poor swimmers like me!

There are ton of lounge chairs and you can rent shade for them at a reasonable price ($20 for the day).  Rafts are also available to rent.  There are lots of other things you can rent there – scuba stuff, jet skis, sail boats, tours, etc.  We brought our own scuba stuff and spent the day swimming and floating.  I also spent a bit of time reading in my shaded chair.

A barbecue lunch is provided.  There are bartenders walking around if you want a beer or cocktail.

It’s bliss!

I’ve got some great tips for Half Moon Cay for you! Keep reading for MUST HAVE info to make your day fantastic!

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ABLE United Celebrates First Anniversary Serving Floridians With Disabilities http://lastmom.com/ableunited-2/ http://lastmom.com/ableunited-2/#respond Sun, 02 Jul 2017 17:25:36 +0000 http://lastmom.com/?p=7357 Happy first anniversary to ABLE United!!!!!  Here’s what you need to know: The Achieving a Better Life Experience (ABLE) Act  authorizes states to create tax-free savings accounts for individuals with disabilities.  Florida is one of the first states to launch. Do you or your child qualify for SSI or SSDI and live in Florida?  This […]

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Happy first anniversary to ABLE United!!!!!  Here’s what you need to know:

The Achieving a Better Life Experience (ABLE) Act  authorizes states to create tax-free savings accounts for individuals with disabilities.  Florida is one of the first states to launch.

Do you or your child qualify for SSI or SSDI and live in Florida?  This brand new program might help ease the financial burden that comes with special needs and disabilities.

I used the Eligibility Wizard and quickly learned Princess likely qualifies for an account because of her PTSD diagnosis.  This means access to help ensure a brighter, more secure future as she grows into adulthood (something that is occurring way too quickly!).

What is ABLE United?

ABLE United allows people with disabilities to save for better life experiences.

Like a Roth IRA or a 529 college savings plan, an ABLE United account is a tax-free savings account that helps individuals with disabilities save for the future. The individual owns the account, but an authorized person may establish and help oversee the account.

After years of advocating, negotiating, and compromising, the Stephen Beck Jr. Achieving a Better Life Experience (ABLE) Act was passed into law. The ABLE Act now allows for the creation of savings and investment accounts for people with disabilities without negatively impacting federal benefits. Florida is among the first states to implement the law, which created the ABLE United program.

ABLE United will allow Floridians with disabilities to save like never before – by receiving tax incentives to save for future expenses and building assets without risk of losing federal benefits such as SSI and Medicaid. Funds in an ABLE account can be used, tax-free, for living expenses such as housing, education, and health and wellness services.

ABLE United advantages:

  • Save tax-free for future expenses
  • Save while maintaining federal benefits
  • Save on fees – ABLE United offers the best value for Florida residents

Advocates and family members united more than a decade ago to create a grassroots movement that resulted in one of the most important pieces of legislation for the disability community in years.  Now, we can unite for all to achieve a better life experience!

Pop over to the ABLE website to find out more info.  This is a great program to help ease the mind of Floridians with disabilities and their loved ones.

Happy birthday to this great program!  Congrats on the first year of helping people have better futures!

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Summer Bucket List With a Teenager http://lastmom.com/summer-bucket-list/ http://lastmom.com/summer-bucket-list/#respond Thu, 29 Jun 2017 14:44:34 +0000 http://lastmom.com/?p=6632 I hate the Florida heat, despite living here my whole life.  But I love summer!!!  Princess has had the whole month of June off.  She goes back mid-August.  Still lots of time to work on our summer bucket list. Here’s my summer bucket list: I love the simplicity of summer. No getting up early and […]

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I hate the Florida heat, despite living here my whole life.  But I love summer!!!  Princess has had the whole month of June off.  She goes back mid-August.  Still lots of time to work on our summer bucket list.

Here’s my summer bucket list:

How many days until summer vacatation  Summer Bucket List With a Teenager

I love the simplicity of summer. No getting up early and rushing through the morning to get to school. No going into Momma Bear mode when IEPs aren’t being followed. No homework.

Princess has always been so much calmer in the summer without all the stress, drama, chaos and conflict school usually brings.

Except…she cried when I picked her up on the last day of school this year! She loves her school and is in a really good place. She’s excited for our summer adventures, but will miss school.

Tybee Island isn’t happening this summer.  There are no camps this summer.  Instead there’s lots of volunteering and dual enrollment college classes.  The girlie’s 16th summer is going to fly by.

So I plan to:

  1. Read for fun.  Any book suggestions?   I have a big pile, but am always on the lookout for something new!  I loved  a YA book called Lilly and Dunkin Summer Bucket List With a Teenager by Donna Gephart about a boy with bipolar disorder and a transgender girl. It was so, so, so very good.  I hope to finally knock out several books I’ve had a while,  including The Weekenders Summer Bucket List With a Teenager by Mary Kay Andrews, The Last Star Summer Bucket List With a Teenager (the final book in the 5th Wave  Summer Bucket List With a Teenagertrilogy) and Biff Naked’s memoir, “I Bifficus Summer Bucket List With a Teenager.”
  2. Shop the Farmer’s Market.  Our town has a farmer’s market on the beach every Saturday morning.  Princess and I love to munch our way around it and bring home an armful of fresh veggies and seasonal fruit – especially peaches in the summer!
  3. Play in the water until wrinkled.  This will be the second summer with our new pool.  We’ve already spent many days floating.  We live 15 minutes from the beach.  There will be lots of water in our summer!
  4. Spend time under the stars.  My goal is for laughter and good conversation outside under the stars!   (Might combine with #3!)
  5. Bike to the ice cream shop.  That would normally be Sugar Shack while on Tybee Island.  We always rent bikes for our Tybee Time and leave the car at the rental.  It’s hard to bike at home.  It’s not the most bike friendly area.  But we do have bikes, so we might fill the tires and take them for some spins.

What’s on your summer bucket list?

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Return of the Mom Blogger? Updates on our world http://lastmom.com/return-of-the-mom-blogger/ http://lastmom.com/return-of-the-mom-blogger/#comments Tue, 27 Jun 2017 20:17:07 +0000 http://lastmom.com/?p=7346 Wow!  It’s been over six months since I wrote about our family here.  Time flies. So why did I drop out of the mommy blog scene? I posted “Is it time to quit blogging?” in January.  My Princess is 16 now.  Sharing her stories doesn’t feel right anymore. They just aren’t mine to tell.  They probably […]

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Wow!  It’s been over six months since I wrote about our family here.  Time flies.

So why did I drop out of the mommy blog scene?

I posted “Is it time to quit blogging?” in January.  My Princess  Return of the Mom Blogger? Updates on our worldis 16 now.  Sharing her stories doesn’t feel right anymore. They just aren’t mine to tell.  They probably never were.

So many of her stories intertwine with her friends now and sharing those really doesn’t feel right.

Plus, I was honestly just tired.  Burnt out.  I blogged nearly daily for five years.  Being open and vulnerable wore me down.

Because some people are mean.

Flat mean.

I was shamed and bullied Return of the Mom Blogger? Updates on our world and judged and ridiculed pretty much daily.

Probably by some of you reading.

And it sucked.

And I got tired of it.

I wanted to protect my daughter’s privacy and doing that while being free to be myself on the Internet was also becoming tiresome.

So I mostly packed up shop here at Last Mom Return of the Mom Blogger? Updates on our world.

I archived thousands of posts.  It took me days.

Maybe they will be back.

Hopefully they will be back, at least in some form.

Even after a six month break, I’m still trying to figure out what to do here.

The return of the mom blogger?

Soooooo…..having just reiterated my reasons for quitting blogging…..why am I posting?

I miss you guys!  I miss this Last Mom community!  I miss hearing our family has helped or inspired you.

You’ve watched Princess grow so much – cheered and supported her from afar.  I want to give you a little update into what’s been happening with us.

I do post on the Last Mom Facebook page fairly frequently, so make sure you’re following over there.

Here’s some quick updates.  Let me know if there are other things you’re curious about.

UPDATE Return of the Mom Blogger? Updates on our world

Pets:

Pets are all the same.  Four cats, one dog.  Milo moved outside permanently about a year ago, which is something he’d been trying for since he was a kitten.  We finally gave up chasing him around then neighborhood every time he dashed out the door and let him have his way.  Yeah, his love for peeing on EVERYTHING inside and attacking the other cats made that decision easier.  (Yes, he’d been to the vet.  He’s just a jerk.) He loves being an outdoor cat Return of the Mom Blogger? Updates on our world and gets lots of love and attention.  He chooses not to leave our yard and is our welcome committee whenever we return home from wherever we’ve been.  All the other animals are doing fine.

Hubster:

Hubster was falling apart with lots of health issues (physical and mental), so I talked him into quitting his very taxing job in January.  He’s spent some time healing and is now starting work figuring out what’s next.  Princess has loved having a stay at home dad Return of the Mom Blogger? Updates on our world.

(former) BFF and her mom:

Princess received an extremely long message from BFF after about nine months of silence.  It was heartfelt and heartbreaking. She wrote of missing Princess and our family and how hard it was for her to be expected to just forget we ever existed.  She apologized for actions that hurt Princess and said she desperately wanted her in her life.  I reached out to BFF’s mom and asked for a meeting mom to mom Return of the Mom Blogger? Updates on our world, without the girls.  She didn’t respond.  I actually tried to communicate with her a few times.  No response.  She allowed BFF to meet Princess at the mall for a few hours once about six month ago.  Princess had a good time and the girls have stayed in touch via social media, but it isn’t and can’t be the same.

Princess’s first family:

I’m still in contact with Princess’s first mom here and there.  Princess knows she can have communication if/when she’s ready.  We’re in pretty frequent contact with her oldest sister, who recently had a baby.  Princess loved shopping for her little nephew Return of the Mom Blogger? Updates on our world.  We know how to reached two other siblings as well.

LuLaRoe and freelance writing:

I backed off writing almost entirely to focus on building a LuLaRoe business for a year.  That was a mistake.  I’m now in the process of reversing it – closing down my LuLaRoe business and trying to rebuild my writing career.

Me:

I’ve been having a hard time.  I’m just feeling kind of lost, unfulfilled and unhappy in general.  So much of my identity is linked to Princess who is now growing up and needing me in different ways.  I’m not really sure who I am anymore.  I got lost along the way of parenting my amazing girl.  Plus, I had a failed business and Hubster in big transition this year, so I’m just kind of feeling unsure, unfocused and like I lost my footing.

Princess:

This is the part I know you really want to read about!

Princess is amazing – but you already knew that!

School, friends, etc.

She’s sixteen and wrapped up 10th grade on the honor roll.  Actually, she was on the honor roll all year with almost all A’s.

She got her driver’s license Return of the Mom Blogger? Updates on our world and went on her first job interview (Rue 21).  She didn’t get the job, which is good because she’s keeping really busy with lots of volunteer work at the hospital and taking dual enrollment summer classes at the local college.

She has a small group of close friends.  She loves her school and hardly missed any days this past year.

Mental health

She had a pretty rough bout of depression Return of the Mom Blogger? Updates on our world the last few months of the school year.  It was hard and scary.  I didn’t see the light some days.

But she pulled through.

There were several medication adjustments with her psychiatrist.  We found a therapist she seems to click with.  The support staff at school did exactly what they’re there for – supported her.  And she had a couple of great friends she knew she could count on, in addition to mom and dad.

The boy

One of those friends is a boy.  They became pals in 9th grade.  They hung out a couple of times that school year.  The movies.  The county fair Return of the Mom Blogger? Updates on our world.   They Facetimed here and there.

Then they became closer friends in 10th grade.  He started hanging out at our house on winter break and has basically never left.  They became the best of friends.  She lets him really see her – all of it.  He’s seen her at her absolute weakest and absolute wonkiest.

She screams at him that she hates him and never wants to see him again.

He knows she’s afraid of losing his friendship and so she’s pushing him away in fear, so he hugs her and says, “See ya tomorrow, Bestie.”

I don’t know if Princess would have made it through her recent dark months without him.  That sounds dramatic, but it’s true.  He helped her be safe and talked her off the edge when I couldn’t.  He was an amazing support.  And to me, too.

Things have gotten complicated this summer.   They realized they are more than typical friends.  They aren’t sure what that means or what they want it to mean.  They are both terrified of losing each other and don’t want their friendship to be the victim of a nasty high school break up Return of the Mom Blogger? Updates on our world.

So they are in limbo.  Together.  But not.  Committed to each other, but not in the traditional boyfriend/girlfriend Return of the Mom Blogger? Updates on our world definition.  Or at least not with the words.

Cuz labels are scary and make things too real.

So it’s complicated and messy.

And, of course, I’m way too attached to this awesome kid who has been so good to my girl.

So I’m sure my heart will get broken, too.

But for now we stock the house with his favorite snacks and include him on most of our adventures.

Hobbies

Princess is smart, funny. loud, sassy, full of energy, caring and opinionated.  I hear people describe her as “magnetic.”  She loves Netflix, makeup, helping others, shopping, going to the beach and playing board games.  She took both boxing and archery classes, until needing to step back when depression made it too hard to be in those settings.  Hubster told people she was training to be an assassin Return of the Mom Blogger? Updates on our world.  She’s adored by her friends and our house usually has at least one bonus teenager around.

Am I back?

SO am I back to blogging here at Last Mom?  I’d like to.  I’m just still trying to figure out what that would look like.  What it would mean for Princess and our family.

I’d love to hear your thoughts.

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ABLE United Summer Sweepstakes #spon http://lastmom.com/summersweepstakes/ http://lastmom.com/summersweepstakes/#respond Wed, 07 Jun 2017 04:04:20 +0000 http://lastmom.com/?p=7342 This is a sponsored post on behalf of ABLE United through Bloggin Mamas, but all thoughts are my own.   Are you a Floridian with disabilities?  Or someone who loves a Floridian with disabilities? Then you need to know about ABLE United! For individuals with disabilities, the fear of losing benefits or costs of setting […]

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This is a sponsored post on behalf of ABLE United through Bloggin Mamas, but all thoughts are my own.

 

Are you a Floridian with disabilities?  Or someone who loves a Floridian with disabilities?

Then you need to know about ABLE United!

For individuals with disabilities, the fear of losing benefits or costs of setting up special needs trusts often prevented or limited them from considering all of their options to build financial security.  The ABLE Act amends section 529 of the Internal Revenue Service Code allowing each state to create tax-advantaged savings accounts specifically for individuals with disabilities.  These savings and investment accounts allow individuals to save money while maintaining federal benefits like Supplemental Security Income (SSI) and Medicaid.  The ABLE Act now allows individuals with disabilities to save up to $14,000 without impacting government benefits.

Click here to find out about ABLE United and how Floridians with disabilities can plan for a brighter financial future.  This site tells you the benefits, who might qualify, how to apply and everything else you need to know.

SUMMER SWEEPSTAKES

ABLE United is hosting a Summer Sweepstakes, five individuals will receive a $500 contribution toward an account. Pop on over to Facebook and answer some easy questions to gain additional entries.

Entering is easy and you can enter daily to win! Just register with your email, and then answer a few simple questions to earn entries. Sweepstakes ends June 15, 2017.

My daughter deals with several mental health conditions including anxiety disorder, depression and PTSD.  She has works hard not to let this define her and has come a long way with determination and the help of medications, therapy, finding coping skills, setting up support systems and more.  However, even with all of that, her conditions still make it difficult to function, sometimes for stretches of months at a time.

ABLE United allows individuals and/or their loved ones to set up financial security for those hard times.  My daughter meets all three of the qualifications.  1.  She lives in Florida.  2.  She “has a medically determinable physical or mental impairment that results in marked and severe functional limitations and that: (i) can be expected to result in death; or (ii) has lasted, or can be expected to last, for a continuous period of not less than 12 months.” 3.  She was diagnosed before age 26.

I’m entering the sweepstakes today and encourage you to do the same!

able1 ABLE United Summer Sweepstakes #spon

 

 

 

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Learn more about Able United http://lastmom.com/ableunited1/ http://lastmom.com/ableunited1/#respond Tue, 28 Feb 2017 20:42:36 +0000 http://lastmom.com/?p=7334 Floridians who have or love someone with a disability you need to know about ABLE United.  This program helps ease financial worries for people with a variety of different disabilities. My daughter has severe anxiety disorder.  She’s had long patches where just leaving her room to come to the dinner table or living room couch […]

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Floridians who have or love someone with a disability you need to know about ABLE United.  This program helps ease financial worries for people with a variety of different disabilities.

My daughter has severe anxiety disorder.  She’s had long patches where just leaving her room to come to the dinner table or living room couch was a struggle.  I worry about how she’ll do as an adult when these pits hit.

Yes, we’re working hard to help her have a variety of tools at her disposal – therapists, psychiatrists, medication, health foods, fresh air, exercise, hobbies, coping mechanisms, support systems, etc.  But mental health disorders are more complicated than that.  The pits will still come.

ABLE United can help families and individuals plan for those times when their special situations make finances really hard.

And it won’t hinder any benefits the person is receiving.

Until recently, individuals receiving federal benefits were restricted in the amount of money they could save, effectively preventing them from planning for the future and leaving many with no other choice but to live in poverty.

For individuals with disabilities, the fear of losing benefits or costs of setting up special needs trusts often prevented or limited them from considering all of their options to build financial security.  The ABLE Act amends section 529 of the Internal Revenue Service Code allowing each state to create tax-advantaged savings accounts specifically for individuals with disabilities.  These savings and investment accounts allow individuals to save money while maintaining federal benefits like Supplemental Security Income (SSI) and Medicaid.  The ABLE Act now allows individuals with disabilities to save up to $14,000 without impacting government benefits.

Learn more Tuesday evening at a free webinar.  Register here.

This is a sponsored post, but all thoughts are my own.

2017 2 15 AbleUnited Webinar Evite4 2 1 Learn more about Able United

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