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Using All Resources When Financially Challenged

Using All Resources When Financially Challenged. Robert Fraser, PhD, CRC, CLCP. Professor Director University of Washington Epilepsy Center Neurology Vocational Services TBI Model Systems Faculty Seattle, Washington 98104. Legal Assistance.

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Using All Resources When Financially Challenged

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  1. Using All Resources When Financially Challenged • Robert Fraser, PhD, CRC, CLCP Professor Director University of Washington Epilepsy Center Neurology Vocational Services TBI Model Systems Faculty Seattle, Washington 98104

  2. Legal Assistance • Low cost/no cost (pro bono) through Brain Injury Association / other community resources • Training in brain injury litigation / sophistication in brain injury can be critical

  3. You May Need a Life Care Plan – Working with Your Attorney if Possible • Life Care Plan – Comprehensive litigation tool for evaluating the effects of TBI by: • A) Providing guidelines for diverse medical and psychosocial care a survivor will need throughout his or her lifetime and • B) Defining the extent of the economic needs in order to provide the above

  4. You May Need a Life Care Plan – Working with Your Attorney if Possible • A Life Care Planner (often a rehabilitation nurse, rehabilitation counselor, or other rehabilitation professional) will need extensive experience as related to rehabilitative services and programs. They also need to be well versed in rehabilitation literature and resource sites. A Certified Life Care Planner (CLCP) designation ensures a basic level of competency

  5. Areas of Coverage in the Life Care Plan (Not All May Need to be Covered) • Projected evaluations • Therapeutic services • Aids for independent functioning • Orthotics / Prosthetics • Home / Facility care • Home accessories / Architectural modifications)

  6. Areas of Coverage in the Life Care Plan (Not All May Need to be Covered) • Future medical care – routine and emergent • Potential surgery / interventions • Transportation • Health and strength maintenance • Orthopedic equipment / assistive technology • Vocational / educational costs

  7. Keeping Your Job • Vacation/sick time • Short/long-term disability • Family Medical Leave Act – creative use of time • Reducing/modifying work day

  8. State Voc Rehab • Go prepared with Med/NP documentation • May need to wait – order of selection • Voc assessment/NP assessment • Community based tryout – 215 hours (non-paid) • Assistive technology (Jan)

  9. State Voc Rehab • On-the-job training • Short-term training • Job placement with job coach, paid co-worker as trainer • Other: Therapy(ies), consults, clothes, exercise club, etc. (voc justification)

  10. Finances • DSHS-GAU • SSI • SSDI • Emergent funds • Short/long term disability • Food stamps • (Salvation Army, religious org, food banks)

  11. Social Security Issues • SSI and SSDI • 9 month work trial (SSDI) and earning cap $830 • Dollar for dollar reduction (SSI) • PASS plan (SSDI) • IWRE plan (SSI) • Americorps non-taxable stipend

  12. Reducing Social Isolation – Low Cost Mood Management • Health club – YMCA/YWCA • Volunteer work • Support groups • Religious groups • Community groups

  13. Securing Social Support • Asking for help from friends / family • Bartering for support • Tapping volunteer resources (Volunteer websites, United Way, seniors, church groups)

  14. Transportation • Bus pass • City/county Access programs • Tapping volunteer sources • Neighbor/community drivers

  15. Medical Treatment/Mental Health • Community Health • Clinics, etc. • Selective program eligibility • Sophistication in TBI – Very helpful in mental health treatment • Pastoral counseling • Substance abuse – Agencies / NA or AA groups

  16. Health Insurance • COBRA – Consolidated Omnibus Budget Reconciliation Act • HIPAA – Health Insurance Portability and Accountability Act • Individual – high deductible • State high risk programs • Basic health

  17. Financial Debt • Bankruptcy, Chapter 7 • Bankruptcy, Chapter 13 • Consolidators

  18. Independent Living/Housing • Availability of day programs • Securing home health aides • Group homes • Availability of TBI residential programs/ neurobehavioral programs

  19. Finding Information • Your rehabilitation team • State / National phone lines / websites • National Brain Injury Association and affiliates, Epilepsy Foundation – Career Support Center, Job Accommodation Network (JAN), etc. • Your city librarian

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