Single black mothers can take advantage of numerous income earning opportunities. There are grant monies available from many charitable organizations across the nation. Single mothers who dream of college or starting a small business will find many resources designed to offer assistance. However, it is wise to remember that there are also other organizations that offer grants and assistance that are not specifically geared to single black mothers. Continue reading Which Organizations Offer Help to African-American Single Mothers?
Are you a single mother looking for financial help?
The unique challenges single mothers face may seem insurmountable at times, but there are many government assistance programs out there to help – you just have to know where to look. Whether you need financial help with daycare, education, finding a job, or simply making ends meet, we have the help you need. Continue reading Financial Help for Single Mothers – The Help You Need and Deserve
Temporary Assistance for Needy Families, or TANF, was established in 1996 as a welfare program by the Federal Government. This program replaced three other welfare programs that could be used as a combined benefit in previous years. Both pre- and post-TANF plans have also been set in place by the Federal government in order to help ease the transition into and away from this welfare program. Families are eligible for cash assistance on an as-needed basis. The Federal government only allocates a certain amount of money each fiscal year for TANF, and the program is designed to help those who are truly in need of financial help. Those who do qualify for TANF benefits must also meet certain requirements in the pre- and post-TANF transitional periods, as well as meeting certain requirements while enrolled in the program.
How The Pre-TANF Program Works – steps before getting cash assistance:
In the pre-TANF phase of the program, a family will be assigned a caseworker who will assess the family’s financial situation. During this phase, the caseworker will identify areas of financial resources in the family and encourage the family members to obtain employment if they are not already employed. The pre-TANF phase can last anywhere from a day or two to up to 45 days, depending on each individual situation. Also during this time, the Department of Human Services can provide family members with childcare services while parents look for employment, and can even help with uniforms needed for a job or even personal care items as well. In this phase and throughout the TANF program, families are only placed in the TANF program as a last resort.
If all other options are exhausted, family members cannot find work or their income still falls well below the poverty line, then and only then are family members placed in this program. The program was also “revamped” in 1996 when it replaced the former welfare programs that existed; the existing programs became too much of a “crutch” as they were. The Federal government found that the former welfare programs did not provide enough incentives for those who were currently enrolled in such programs to seek viable employment. TANF was designed to provide assistance to those in need before, during and after their transitions into and out of this particular welfare program.
Assistance For Post-TANF Families
For those families who do become employed while enrolled in the TANF program and place themselves out of the program due to their income, the post-TANF program is designed to help ease their transition into the workforce. After receiving government assistance for a while which provides a steady source of temporary income, it can be a bit scary to transition into the sometimes unstable workforce. Since most employers require their employees to go through some sort of “probationary period” during the first 3, 6, or even 12 months of employment, the reality of an employee losing his or her job during this period is very possible. This can cause employees to be less confident in the stability of their job and understandably, so; the first year of employment is often the most difficult. However, the post-TANF program provides graduates of the TANF program with up to a $50 monthly stipend for a period of one year. This stipend can increase the employee’s confidence in his or her financial situation for the time being and can “buy some time” while the employee either looks for additional work, stays with the same employer, becomes promoted, or even changes jobs altogether.
Additional cash and financial assistance Offered For Single Moms
In addition to financial and employment assistance, families can apply for other government programs designed to assist low-income families. For example, the Supplemental Nutrition Assistance Program, also known as SNAP, provides families financial assistance for buying groceries and other basic household goods. Like the TANF program, families will be assigned a case manager who will review the family’s financial situation on a case-by-case basis in order to determine eligibility for the program. Those who are identified as being in “financial need” will go through a similar process as in the TANF program. A debit card will be issued to families eligible for the SNAP program. These cards are pre-loaded each month with money. The amount of money on each card is determined by multiple factors. These factors include: income, household size, employment status, geographic location, access to jobs, etc. These SNAP debit cards are accepted at most grocery stores, gas stations, bulk food stores, and most other retailers that sell any type of consumable food. Originally created in 1943 and known as “food stamps,” the Federal government soon discovered that this program was being abused by those who did not necessarily qualify for the program. Over the years, the laws have changed, as well as the income brackets for eligibility into the program. Until fairly recently in the late 1980’s, the “‘food stamp” program was just that: physical stamps that resembled postage stamps. Each “food stamp” was assigned a specific value equal to the value of the different dollar bills of the United States. Those enrolled in the program prior to the late 1980’s had to count out the amount of food stamps needed to pay for their groceries equivalent to the amount of physical dollar bills each item cost.
Not to be overlooked, the healthcare needs of low-income families were also not being met due to the high cost of health insurance. Created under the Social Security Act of 1965, Medicaid provides low-income families with a managed care-type health care insurance. This program as a whole is focused on preventative healthcare, which means that it encourages and even requires those enrolled in its program to seek regular check ups with their physicians. Medicaid also covers dental care for those enrolled in the program. In addition to Medicaid, the Children’s Health Insurance Program (CHIP) is designed as additional healthcare coverage for children who qualify for the program.
All of these welfare programs provide assistance to those in financial need. Although all of the programs were originally created by the Federal government, they now fall under the jurisdiction of the individual states. The programs mentioned are just some of the many programs available for low-income families.
Single moms have it more difficult than most two parent families. They often struggle financially to just pay for the most basic needs that they have and that their family has. It can be difficult to get and keep a job, simply because they do not have quality and dependable child care. It can be difficult to find a safe place to live that is big enough for your family. Healthcare may not be offered by your employer or you may not be able to afford it and pay for food and basic bills. All of these may be worries that you, as a single mom in Alaska, have, but there may be programs that you can take advantage of to take some of the stress out of parenting on your own.
Groceries can be very expensive, especially if you want to feed your children fresh fruits and vegetables. Parents want to feed their children in a healthy way, simply because it can keep them healthier, but money can hold them back from affording the more fresh foods that are necessary for good health. Alaska offers a food stamp program that can cover the majority of your groceries to allow you to use that money for other necessary bills. Applicants have to meet certain requirements, but it can make a big difference in how well that your family is able to eat. Learning more about the requirements and application process, you can visit here: http://hss.state.ak.us/dpa/programs/fstamps/.
One of the most stressful parts of being a single mom is finding some place to live where you and your children are safe, and that you can afford. This combination is difficult to find in most areas of the country, including Alaska, but there are programs that can subsidize your housing costs to help bring your payments down to a comfortable level and that will be in a safe neighborhood. Housing Choice Voucher programs can allow you to find a home in a good neighborhood and pay lower than normal payments for high quality housing. The Alaska Public Housing Centre is especially for single moms and they work with people just like you to offer subsidies to get you and your family a safe place to live. To see what housing programs are available, you can go to http://www.ahfc.us/home/homeless_guide.cfm.
Utility Bill Help
When you have a home, one of the bills that may be difficult to pin down as far as amount you have to pay each month. In Alaska, winter can be very severe and this can cause your utility bills to sky rocket. If you are having problems paying your utilities and are afraid that you are going to have your service cut off, there are programs to help you. If you are worried about your utility bills, visit: http://hss.state.ak.us/dpa/programs/hap/ and determine what kind of help that you can get.
If you do not have childcare that you can trust, you may not be able to work. Getting a job that pays a decent amount of money means that you have to have childcare that is dependable. This can be quite expensive, but it doesn’t have to be. There is a childcare subsidy program in Alaska that is known as the PASS or Parents Achieving Self Sufficiency program. It is broken down into three different phases that vary depending upon where you are in your participation or training with a work or school program. If you don’t meet the requirements (http://www.hss.state.ak.us/dpa/programs/ccare/parents.htm) for this program, there are other programs to help you to find more affordable child care, including helping you to find more affordable daycare programs in your area.
Everyone needs more money, but single moms are often struggling to survive and keep their bills paid. The Alaska Temporary Assistance Program or ATAP can be your solution for financial assistance and it can help you to get a job to allow you to get back on your feet. This is a temporary program, but it can come in quite helpful if you are struggling taking care of you and your family. Requirements and forms that are needed for the ATAP program can be found at: http://www.hss.state.ak.us/dpa/programs/atap/.
Most single moms think that there is no way that they or their children can go to school, because the money is just not there. The state of Alaska has many different programs in place to help fund educational pursuits. Scholarships are widely available to a wide variety of programs and colleges in the state and out of the state. The best way to learn more is by visiting the local college or calling the university that you are considering and talking to their financial aid office. They can give you the right direction to getting the funds you need for you or your child to go to school.
When you are a single mom, you may have a job that does not offer health insurance or you may not be able to afford having it taken out of your account. Denaldi Kidcare offers insurance for children under the age of 18, as well as pregnant women, who meet their guidelines. Both working and non-working families are eligible if they meet certain income guidelines that are based around the poverty level and the size of your family. Healthcare is a very important part of taking care of your family and you can find more information on: http://www.hss.state.ak.us/dhcs/denalikidcare/default.htm.
Single moms don’t have to do without just to survive. Whether you need assistance with your housing search, educational funding, healthcare, food, or simply need some money, there are a wide variety of different Alaska programs that can help. By doing a little research beforehand, you can determine what programs that you need and are eligible for. In addition, you can fill out the applications that you need. This can save you time and it can get you the assistance that you need for you and your family.
Assistance for single mothers in Georgia is available through several avenues. There are several programs to help with food, utilities and rent. Educational programs and grants may also be available to single mothers with qualifying income and circumstances. Other programs that may be available include an energy assistance program, weatherization assistance, and a program that helps with early childhood development. Each program will have a different qualification process and not all applicants will be granted assistance.
Food Assistance for Single Mothers in Georgia
The most beneficial program for assistance for single mothers in Georgia is the Georgia Food Stamp program. This program is available to single mothers and low income families with qualifying income and household expenses. Eligibility requirements must meet or be below poverty level standards. The allotted benefits for this program will vary for each household. A specific amount per person is adjusted depending on the qualifying factors within the home.
WIC is another program that is available for qualifying families or single mothers in Georgia. This program helps to provide nutritious juices and foods for children that are age five or younger. Formula, baby food and baby cereal are items that are included in the approved foods list. Other foods that are part of this program are milk, cheese, fresh fruit, fresh vegetables, eggs, peanut butter and juice.
To qualify for WIC assistance and/or Food Stamps an applicant must have proof of income or proof of no income, birth certificates for all household members, proof of residency, utility bills, rental lease or mortgage statements, bank statements and other documentation required for the qualification process. Applicants that do not meet the requirements for these programs may be referred to other programs such as food banks or local churches.
There is a program in Georgia that assists low income families and single mothers in providing healthy breakfasts and lunches for school aged children. Free or low cost meals will be furnished by a child’s school if the income of the home qualifies. An example of the income requirements is that a family of four cannot exceed $40,793 in gross income. Families can apply within their child’s school for the Georgia School Breakfast and Lunch Program.
The Georgia Special Milk Program helps to provide milk to children of low income families in schools. Children that qualify for this program will receive free milk during school meals. Income restrictions do apply. Low income families can apply for this program through their children’s school. The same income restrictions apply for this program as the Georgia School Breakfast and Lunch Program.
An additional program offering assistance for single mothers in Georgia is the Georgia Summer Foods Program. Again, this is an income qualifying program. It helps single mothers and low income families to have healthy foods for their children during the non-school months. Children of qualifying families for this program must be 18 or younger.
Education Programs for Children
Education assistance for single mothers in Georgia to provide quality early childhood development is available. Georgia has a fantastic Head Start program. Qualifying families will receive free learning programs via Head Start for their children. This program is for children that are not school aged, meaning that Head Start is for preschool aged children between the ages of four and five years old.
Head Start is available in 157 of the 159 existing counties in Georgia. As a national program, three quarters of a million children are helped each year with the Head Start program. Income requirements are very strict. For a family of four, the annual gross income cannot exceed $29,965. Self-sufficiency goal assessments for parents are part of this program. It helps you to track progress toward becoming more financially secure and able to provide for your family without assistance.
Healthcare Programs in Georgia
There are two healthcare programs, which offers assistance for single mothers in Georgia. Medicaid is the most well known program. The other program is Georgia PeachCare for Kids. Medicaid can be whole family coverage should the entire family qualify. Strict income requirements and other circumstances are in place for the qualification process for Medicaid acceptance. There is no guarantee that a family or individual will receive Medicaid. All program specifications must be met to qualify.
PeachCare for Kids began in 1999. It is designed to provide children of single mothers or low-income families with healthcare and medical coverage. The services included in the PeachCare program are immunizations, office visits, dental, vision, specialist care, mental/behavioral health, emergency room or hospitalization and prescription medications. Children that are age five or younger qualify for a $0 co-pay. For a single child family with a child that is age six or above, the premium begins at $10. An increased premium of $15 or $20 will be assessed to families with two or more children that are age six or above depending on the household income.
Energy and Other Assistance for Single Mothers in Georgia
Georgia does have a couple of programs to assist single mothers or low income families to provide energy for their homes. This program helps to provide fuel that produces energy in homes for low income families. The income requirements for this program are slightly higher at $44,100 annual gross income for a family of four. Assistance amounts do vary for each family. Funds are sent directly to the fuel provider for this program.
Single mothers and low income families may also qualify for the Georgia Weatherization Program. This program helps to make a home more energy efficient. It is available in an effort to reduce the heating, cooling and energy costs within a home. There are income requirements with this program as well as any other. It is designed to aid extremely low-income families only. A family of four cannot gross more than $33,075 annually. To apply or inquire about this program, contact the local Community Action Agency servicing your area.
Georgia TANF is a cash assistance program available to qualifying single mothers and low or no income families. The financial requirements for this program state that you must be unemployed, about to become unemployed or must be under-employed working for very low wages. This is a temporary program to assist needy families to get back on their feet. A small amount of funds will be allotted to qualifying families each month for a restricted period of time. These funds are to go toward utilities, rent and necessities.