For many individuals, maintaining and owning a house is actually among the most significant investments they ever make. But for individuals and veterans living with disabilities, or perhaps seniors aging in place, the point that much of the world outside isn’t built to accommodate their needs magnifies the importance of a more comfortable home. It is vital they and their loved ones have a chance to access probably the best resources about how you can make their homes livable and enjoyable.
Unfortunately, with no access to the appropriate resources, creating a comfortable home can be an expensive task.
I have spent more than 7 years working in health, home improvement, and the construction and safety fields, and created this resource to cover info that is essential for disability home remodeling. This guide is going to identify financial and legal resources available to veterans, seniors, and citizens, offer tips to hire the right home remodeler, and suggest modifications throughout the house to come up with the space as accommodating it can be.
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Federal Resources for Veterans, People, and seniors with Disabilities While the details of any remodeling project depend on needs that are specific, the problems of cost, available assistance programs, and legal rights should be answered before you get started. Fortunately, you will find numerous resources available nationwide specifically for individuals who are disabled or elderly.
Probably the most relevant law regarding residential remodeling for disability will be the Fair Housing Act. While you might have to pay remodeling expenses out of pocket, and return the property to its original condition upon leaving (in case you are leasing), the law says that a housing provider cannot refuse reasonable modifications to your dwelling or perhaps common use areas, or perhaps refuse reasonable accommodations to rules, policies, services or practices if needed for equal use of the housing.
Other important federal laws that may impact your home modifications include:
Rehabilitation Act of 1973 (Section 504)
Title II of the American Disabilities Act of 1990
Age Discrimination Act of 1975
Architectural Barriers Act of 1968 The first 3 laws prohibit discrimination in programs using federal or perhaps any other public funding, while the Architectural Barriers Act contains accessibility requirements for buildings altered, designed, constructed, or perhaps leased with certain federal funds after September 1969.
When you are planning a home remodel for an individual with special need or a disability, there many support programs to select from.
The Federal Housing Administration’s (FHA) Section 203(k) is able to enable you to purchase and renovate a house, or perhaps remodel an existing home.3 For less extensive remodeling or perhaps improvements, the FHA also offers a Streamlined 203(k) Mortgage program.4 Another choice from the FHA is actually the Title one Home Improvement Loan program, which you are able to combine with a 203(k) Rehabilitation Mortgage.5
Figuring out the perfect FHA loan for you are going to depend on the amount you have to finance, just how much equity you’ve in the house of yours, and much more. If you’re uncertain of which option to pursue, the Department of Urban Development and Housing (HUD) sponsors housing counseling agencies throughout the country and offers an online search tool to find a local office.6
Lastly, you may be in a position to claim a medical tax deduction for home improvements related to a disability or perhaps any other medical needs. For more info, make sure you consult a financial advisor.
Beyond these broad types of financial resources, the federal government also provides several resources for more specific groups.
The Department of Veterans Affairs (VA) offers a number of programs which might be useful to veterans, including the Specially Adapted Housing (Special Housing and sah) Adaptation (SHA) Grants, which have names that are similar but different eligibility requirements.
An alternative choice offered to veterans by the VA are actually Cash Out Refinance Home Loans.10 These loans enable eligible homeowners to take cash out of their home’s equity and use it for household improvements.11
The U.S. Department of Human and Health Services (HHS) provides an online Eldercare Locator to help connect senior citizens and the families of theirs with the proper resources, including possible financial assistance.12 The Department of Agriculture (USDA) also offers grants to remodel the homes of low income senior homeowners who cannot secure affordable credit.13
Lastly, while a more specialized remodeling need, the HHS’s Office of Community Services’ Low Income Energy Assistance Program helps households which need weatherproofing or perhaps energy related repairs and meet income eligibility requirements and have residents that are elderly, living with a disability, or perhaps younger than six years old.14
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Legal Resources and other Funding Depending on the area of yours, you will find many local financial and legal resources that could be helpful. The most effective way to learn more about these services would be to get in touch with a local agency dedicated to helping people who have both cognitive and physical disabilities. If you’re uncertain about who to contact, there are lots of sites to point you in the right direction, including:
The Independent Living Research Utilization program’s Directory of Centers for Independent Living15
The National Association of State Directors of Developmental Disabilities Services’ list of state agencies16
Legal Resources and funding Outside the United States A number of other nations across the globe have similar provisions to support seniors and those with physical and cognitive disabilities, and anyone else considering home remodeling with disabled needs in mind will be well served to seek help. As a first step, you are able to consult the Disability Rights Education & Defense Fund’s list of laws broken down by country.