No one wants to fall on hard financial times. Unfortunately, it is increasingly common as the economy struggles to gain traction.
If you are having trouble making ends meet, public assistance programs can help. It helps to know a few basics about programs before you start filling out applications.
Eligibility Requirements Vary
It is advisable to apply for help as soon as you realize it will be needed. In order to qualify for many programs, you will need to undergo a screening process.
HUD criteria for housing will require a complete background check, and certain markers may disqualify you for public assistance.
Before you head to the local DSS office, compile a folder with any documents you may need to present. This should include:
- Photo identification for all adults in the household
- Names and dates of birth for any household members
- Income amounts and sources
- Documentation for any disabilities, if applicable
Public Help Is Available
There are numerous public assistance programs available to help people who are down on their luck. It is critical that you learn the eligibility requirements in your area to determine what programs you may qualify for.
This will help you target applications and resources to the places that are most likely to offer support. You can apply for the Supplemental Nutrition Assistance Program, public housing (Section 8) help and free or low-cost health coverage if you find yourself unable to pay the bills.
In some cases, particularly for housing help, there may be a waiting list of others waiting for assistance.
Private Companies Help Fill Gaps
The patchwork system of programs designed to help those who are struggling financially extends to the private sector.
In many cases, you may need to turn to private companies and nonprofits for temporary assistance. Streamlined applications can help fill the gap while you are waiting on government programs.
Even when your financial situation looks desperate, there are resources available to help. Knowing eligibility and screening requirements, as well as where to turn for help, will make the process easier.